Even when times get tough, making a claim is straightforward.
If times get tough and you need to make a claim, we’re here to make it simple and ensure your insurance works for you.
WHAT'S NEXT
Here’s what we’ll run through
We’ll outline the simple steps to submit your claim and share some stats on why it pays to have cover.
CLAIMS PROCESS
Submit a claim in no time
Our hassle-free claims process removes one more worry from your plate. Should you need to file a claim, we’ll act as your liaison, working on your behalf to resolve any issues that may come up.
1. Submit your claim
We'll collaborate with you to collect all the necessary details and documents to file your claim.
2. Claim review
The insurer will evaluate your claim, and we’ll keep you updated every step of the way.
3. Receive your payout
We’ll inform you if your claim is approved. If it is, you can typically expect to receive your payout within 48 hours.
GETTING PAID
Do life insurance companies actually pay out?
Let’s be honest: no one wants to find themselves needing financial support from their insurance policy. However, if things don’t go as planned and you need to file a claim, you can rest easy knowing that the odds are on your side.
92.0%
of insurance claims are paid out
Here's the breakdown
Life Insurance 98.0%
Income Insurance 95.2%
Disability Insurance 86.1%
Trauma Insurance 88.1%
up to
23%
more likely to be paid out for cover set up by an insurance specialist vs cover purchased directly.
Based on research by
APRA
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Just so you know, HomeGuard Advisory (ABN 77 680 525 237) operates under Sustainable Life Solutions (AFSL 536966) and can only give general advice about personal insurance. That means we’ll tell you everything you need to know so you can make a good decision but can’t give you any specific advice or recommendations. It also means that everything on our website is only general information and isn’t specific to you.
Lastly, each insurer we work with has their own terms and conditions that apply to the insurances they offer, like eligibility criteria, exclusions and limitations. Have a look at the relevant insurer’s
Product Disclosure Statement and Target Market Determination to see if their insurance products meet your needs.