Three ways to get covered.
Most people don't realise that many of the most comprehensive life insurance products in Australia aren't sold direct to the public. They're only released through licensed advisers. Here's how the three paths compare.
Most Australians have some life cover inside their super fund. It exists automatically, which is a good thing, but it's designed to suit everyone, which means it's rarely optimised for anyone in particular.
Buying directly from an insurer gives you more than group cover, but you're limited to the products anyone can buy without advice. The more comprehensive policies are only released to qualified advisers. You'll never see them on a comparison site.
Most working Australians can find cover that fits.
Finding it starts with knowing you: your financial situation, your health, your lifestyle, and what you want your future to look like.
That's what our advice process is built around. We review everything, we talk to the insurers on your behalf, and we come back to you with a strategy built for your life. Not a shelf product with your name on it.
Start with a free callWhat you get with Skye.
Real fact-finding, plain English advice, and claims support when it counts. Here's what to expect if you choose to seek advice from Skye.
Talk to a Skye adviser before committing to anything. We listen to what matters, explain your options, and confirm whether we're the right fit. No hard sell.
A once-off advice fee covers everything from initial assessment to your policy being placed. No hidden charges, no ongoing fees you pay us directly.
View full pricing ↓A thorough review of your lifestyle, health, finances, and income. The detail matters: it's what gives you comprehensive advice and what insurers need to underwrite you properly.
You walk away with a personalised advice document (your Statement of Advice, or SoA). Every recommendation explained in plain English.
You choose the cover that suits you. We submit the application, manage the underwriting back-and-forth with the insurer, and send the approved policy documents straight to you.
If something goes wrong, you have a Skye adviser advocating for you with the insurer. We're here when life changes or a claim arises. The relationship doesn't end at policy placement.
One fee. Everything included.
A once-off advice fee covers everything, from your first assessment through to your policy being placed. No ongoing charges. No surprises.
Fees may differ slightly based on your situation. All fees are once-off. There are no ongoing advice charges.
The fees above are what you pay Skye directly. Where you place cover through us, Skye also receives a commission from your insurer, fully disclosed in our Financial Services Guide and your Statement of Advice.
All advice given by qualified financial advisers, registered on the ASIC Financial Adviser Register.
You never need to come to an office. Everything happens at a time that suits you.
We compare cover across our approved insurer list and recommend the policy that suits your situation.
Check-ins when life changes, claims support. We're your adviser for the long run, not just the sale.
Got 15 minutes?
That's all it takes to kick off the process. One call with a real adviser. We find out what matters to you, and whether we're the right fit.No commitment. No hard sell. Just a conversation.