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

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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

madhav khanna
madhav khanna
2023-12-14
Summet is a true professional, very knowledgeable and a kind hearted respectful gentleman. He recently got me and my wife the best Life Insurance policy suitable for us and we dint have to do anything in terms of paperwork etc. Would recommend Sumeet to everyone.
Prashant sukhija
Prashant sukhija
2023-11-21
When it comes to a decision making in regards to your life Insurance, you surely need an expertise & professional advice. Sumeet from 3 Point insurance been an amazing person in choosing a right life insurance policy for us. So if you are seeking a life insurance advice & getting one done, feel free to contact Sumeet as we strongly recommend him. Thanks again for helping us choosing the right path. Cheers 🥂
David Colletta
David Colletta
2023-11-10
Sumeet did an excellent job helping us get the best cover and price for our life, TPD and income protection policies. Using 3Point saved us thousands, wish I had used them earlier. I highly recommend.
Jayant
Jayant
2023-11-07
Sumeet is the man for insurance requirements. Extremely knowledgeable person, will come back to you in time for any information asked for. I would recommend him!
Keval Oza
Keval Oza
2023-10-25
Sumeet and his team at 3 point financial are a pleasure to deal with. They sorted out my insurance extremely quickly and efficiently. Sumeet is extremely knowledgeable, trustworthy and reliable and always keeps my best interest in mind. Highly Recommended
Jack O'Brien
Jack O'Brien
2023-10-19
Sumeet has been great with assisting me setup a new life/work insurance cover. He is very helpful, patient and clearly explains things to me when I am unsure. Sumeet has been my life/work insurance cover advisor now for 8 years. I highly recommend his services.
Satparkash Kaushik
Satparkash Kaushik
2023-10-08
I appreciate the information and advice you have shared. Your advice has been most helpful — thank you Sumeet !!
Rohit Piplani
Rohit Piplani
2023-09-26
My Wife and I can highly recommend Sumeet for all insurance needs. He has always given very sound advice based on our situation and is always approachable at all times. We recently had to put in a claim for TPD insurance and he made the whole process very easy and free flowing. Obviously we had a lot of questions and concerns but Sumeet has been very patient with us and a thorough professional. He allayed all our concerns with utmost care and answered all questions no matter how many times we asked them! There were times when we questioned the whole process but Sumeet reassured us that we were on the right track and we would get the desired results and we eventually did! Very happy to keep this professional relationship going well into our future to secure our family's interests. Thanks again Sumeet and his team for all the hard work they put into our case and I'm sure for all other cases too. Regards, Rohit
Jermaine Dindoyal
Jermaine Dindoyal
2023-09-21
Sumeet from 3Point Financial services was recommended from my broker and I am very happy with the outcome of changing my private health insurance. Sumeet help to cater to my needs for an Insure and we achieved a great value for money insure.
jack meade
jack meade
2023-09-21
I have been using 3 point for close to 5 years now and I have changed insurances multiple times to suit my family circumstances etc and Sumeet makes the process super easy with great advice with excellent communication through each process.

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.