Your Trusted Insurance Partner
Tailored Solutions for Everyone
Welcome to 3Point Insurance, where your peace of mind is our priority!
We believe that one size doesn’t fit all when it comes to insurance. That’s why we specialise in crafting tailored insurance solutions that are as unique as you are.
Experience the difference of personalised advice and service with 3Point Insurance.
Who We Are
Established in 2011, 3Point Insurance (previously 3Point Financial Services) offers personal and business insurance services to individuals, families and businesses.
Where post the Royal Commission, advisors exited the Life insurance industry in droves, 3Point carved a niche in the industry becoming one of only 150 practices in Australia* specialising in tailored personal insurance advice. In 2020, we expanded our services to include business insurance and have been rapidly growing in that space.
Over the years 3Point has earned a reputation for reliability, trustworthiness and unwavering commitment to its clients. Your security is our specialty and we’re here to make sure you’re covered in every way that matters.
*according to research conducted by Adviser Ratings and published on 31 May 2023.
What We Do
Personal Insurance
Personal insurance is a vital tool designed to provide a financial safety net for you and your loved ones in the event of unexpected illness, major health condition, injury or death. You are never too young to protect yourself and there is a cover to suit every need.
Business Insurance
Business insurance is designed to protect businesses of all sizes and types from various risks and liabilities. It provides financial support and stability in the face of unexpected events that could disrupt operations or lead to significant financial losses.
Claims
Lodging a claim can be a complex and stressful experience. That’s why our dedicated team manages the entire end-to-end claim process on your behalf, ensuring a seamless and worry-free journey from the moment you report a loss to the final resolution and settlement.
Other Services
Should you have any further needs such as Estate Planning, Retirement Planning, Mortgages and Property Investment to name a few, we would be happy to refer you on to our trusted referral partners whom we have long standing relationships with.
The Personal Insurance Advice Journey
Initial Consultation
A virtual or face to face meeting to learn more about you, your goals and your insurance needs. You will also be educated on about policy options, benefits and terms.
Research & Strategy
Based on the information provided, our team conducts a thorough research to find the most suitable covers for you and formulate a strategy tailored to your specific circumstances to ensure that you are adequately protected.
Recommendation
A second meeting to explain the strategy and present our recommendation, including quotes and policy options best suited to you. This is followed by implementation of your chosen covers.
Review
Regular review of your covers to cater for any change in your circumstances whether that be medical, financial, family or any other.
Client Reviews
Access to all the leading Life and Commercial Insurance companies in Australia
FAQs
I can buy insurance online, why go through 3Point?
Insurance products sold over the phone or online are based on general advice only. Therefore, your personal circumstances like unique business operations, debts, medical conditions etc. are not considered.
This is important because without professional advice, you may be under or over insured and in the unfortunate event of a claim, you could face significant financial hardship/ unexpected gaps in coverage or be paying for cover you don’t need.
We are experienced and qualified professionals who have in-depth knowledge of the industry and the various products on offer. Our access to a wide network of insurance companies and underwriters, ensures that you have a broad range of options to choose from that are both qualitatively superior and most often than not, more price effective compared to online products.
Last but not the least, we pride ourselves in our exceptional after sales service. Our clients’ needs are our top priority. We are based in Australia and just a phone call or email away for your smallest needs like a change of address on your policy or a significant event such as a claim situation.
I already have personal insurance in my Super, isn’t that sufficient?
Most Superfunds have default insurance covers that you pay for through your super. These covers offer standard options for waiting and benefit periods and often insure you for much lower sums than you may actually require, resulting in you being severely under insured.
Retail products offered by brokers such as 3Point are not only qualitatively superior, offering better policy terms, but also much more cost effective. We take your personal circumstances into account, ensuring that you are adequately protected. Moreover, you can continue to pay for most policies through your super without impacting your cash flow.
I am still young, why should I get life insurance now?
Insurance companies consider numerous factors when approving a life insurance application and setting the premium for your policy. The most important of these factors is your age and pre-existing medical conditions. Generally, the younger and healthier you are, the less it will cost you over the life of the cover. Depending on your lifestyle, you may even be eligible for health discounts with some of the leading insurance companies.
What impacts my insurance premiums?
There are a range of parameters that an insurance company will take into account in calculating your insurance premiums such as your age, gender, medical conditions, occupation, lifestyle for personal insurance and business turnover, size, number of employees, industry etc for business insurance.
At 3Point, we take all these factors (and more) into consideration to devise an insurance strategy that suits your needs and provide you with the best possible policies.