Life insurance is an important part of most family’s protection. At YourShare+PLUS we can help you through this process, plus you get the benefit of our Cash-back service each year. We have access to the majority of insurers in Australia, and are waiting to help you.
Our process is simple. You tell us what you are looking for, and we shop around to ensure we can get you the best deal. Plus our team of professionals will ensure you are provided with advice, when and if you need it.
Life Insurance
Provides for your family’s long term financial requirements if you're not around.
Total and Permanent Disability
If you were unable to work ever again, who would support your family, pay the bills or put food on the table?
Income Protection
Protect your greatest asset - your ability to earn an income – against sickness and accident.
Trauma Insurance
Pays a lump sum on the diagnosis of a critical illness such as cancer, heart attack or stroke.
New Personal Insurance
To receive a quote, please complete your details below. All insurance policies taken out through YourShare+PLUS automatically participate in the Yearly Cash-back service.
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Term life cover
Term life cover provides a lump sum of money on the death of the life insured to
the policy owner, or the nominated beneficiaries, while the policy is in force.
People take out this type of cover for many reasons including paying out mortgages,
paying out final expenses, or to provide a lump sum amount for partners and dependants.
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TPD Cover
Total and permanent disability cover pays a lump sum where the life insured is both
totally and permanently disabled, while the policy is in force. The lump sum is
designed to assist to provide for yourself and your dependants ongoing expenses.
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Trauma Cover
Trauma Cover pays a lump sum payment when a defined medical event occurs to the
life insured (as defined in the policy document) such as serious heart attack, stroke,
cancer, etc.
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Annual Income
If employed, annual salary, fees, commissions, bonuses and any other income considered part of the Life Insured’s remuneration package, earned by him or her for services performed; or
If self-employed, a working director or partner in a partnership, total annual income earned in the conduct of the business or profession due to the Life Insured’s personal exertion less their share of business expenses necessarily incurred in the conduct of the business or profession.
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Type of Policy
Agreed Value Policy - With an Agreed Value style of policy the amount of cover is
verified and agreed at the time that the policy is taken out and commences.
Indemnity Policy - With an Indemnity style of policy the amount of cover that you
have is determined in the event you are disabled.
Indemnity insurance generally costs less than Agreed insurance cover, however there
is a risk that you may find yourself disabled in a year in which you have not earned
as much as you usually do.
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Waiting period
Is the period of time you are unable to work before the policy begins paying your
income protection. The shortest waiting period is generally 14 days. Generally the
shorter the waiting period the higher the insurance costs.
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Benefit Period
This is the period of time for which you will be paid whilst you are unable to work.
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Financial Services Guide (FSG) and Terms and Conditions
As YourShare+PLUS is the sister company to YourShare there is a different Financial Services Guide, and Terms and Conditions. Please click the links below to view.
Contact Us
Please contact YourShare+PLUS by calling 1300 554 774, or emailing customerservice@yourshareplus.com.au.
General Advice: The information contained in this website has been prepared without taking into account your objectives, financial situation or needs and is General Advice only. Before acting on any information in this website we recommend that you consider whether it is appropriate for your circumstances.
YourShare Plus Pty Ltd (ABN 86 156 522 548) is registered with the Australian Securities and Investments Commission under Authorised Representative number 419910. YourShare Plus is a Corporate Authorised Representative of Ziel Two Pty Ltd, Australian Financial Service Licence number 334107.
