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Specialist insurance advice for Australian families

Secure their tomorrow, today.

Safeguard your future with comprehensive Life, Trauma, TPD, and Income Protection cover. Advice that protects what matters, without the noise.

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How it works

How to get started with Safety Nest

Three steps from first chat to cover in place. We do the heavy lifting; you stay in control.

  1. No obligation online consultation

    Book a free 30-minute Zoom call with a senior Safety Nest adviser. We listen first, then explain your options.

  2. Personalised recommendations

    Your adviser tailors cover to your situation, comparing policies across our panel of leading Australian insurers.

  3. Application and underwriting

    We handle the paperwork and walk you through underwriting end-to-end, so cover is in place without the run-around.

What we cover

Comprehensive insurance solutions

Four core covers, one adviser, every major Australian insurer. Pick the cover you want to read about, or book a call and we’ll guide you through.

Our insurers

  • MLC Limited
  • NEOS Life
  • TAL
  • AIA
  • BT Financial
  • OneCare
  • Zurich

Common questions

Frequently asked questions

How much does life insurance cost?
Premiums depend on your age, health, lifestyle, occupation, and the amount of cover you need. A 35-year-old non-smoker in good health will pay considerably less than a 55-year-old with health issues. Book a consultation and we’ll give you a personalised quote across our panel of insurers.
What’s the difference between life insurance and TPD?
Life insurance pays a lump sum to your family if you pass away or are diagnosed terminally ill. Total and Permanent Disability (TPD) pays a lump sum if illness or injury permanently stops you from working. Many Australians hold both, often within the same policy.
Can I claim insurance premiums on tax?
Income protection premiums are generally tax-deductible when paid outside super. Life, TPD, and trauma premiums are usually not deductible when held personally, but tax treatment changes if cover is held inside superannuation. Your accountant can confirm what applies to you.
How long does it take to set up cover?
From first consultation to policy activation typically takes 10 to 14 business days, depending on how quickly the insurer completes underwriting. Straightforward applications can be faster; complex medical or financial situations can take longer.
Do I need a medical exam?
Not always. Many policies are issued based on a health questionnaire alone. Medical exams or blood tests may be requested for higher cover amounts or where the questionnaire flags something the underwriter wants to confirm. We let you know upfront what’s likely.
Can I cancel my policy if my situation changes?
Yes. Insurance is not locked in. You can cancel, reduce, or restructure cover as your circumstances change. We recommend a review at major life events (mortgage, kids, business sale) rather than walking away from cover you may need later.

Google reviews

5.0 stars across 15 reviews

  • SAM SHELDON

    8 months ago

    Safety Nest’s recent social media marketing campaign caught my attention for the simplified approach to getting Life Insurance, so I reached out to start the discussion I’d been putting off. My onboarding interactions were seamless and everything was drilled down and explained so well that the hard work was taken off my hands which is what I wanted. Hassle free, professional and secured me a great result. Thanks for a friendly welcome to the world of holding Life Insurance. Highly recommend them. Their online portal is also really easy to view, interact with and make changes against. Well done.

    ★★★★★

  • Zevi Chaiton

    a year ago

    I was hesitant to commit to life insurance, but Safety Nest took all the stress out of the process. They were patient, explained everything in detail, and helped me find a policy that felt right for my family. It’s great to work with a team that genuinely cares about your needs! Thank you Safety Nest!

    ★★★★★

  • Raizel Gutnick

    a year ago

    I had a great experience with Safety Nest. Moshe was incredibly patient and took the time to answer all of my questions. His attention to detail and caring service made the entire process stress-free and reassuring. Highly recommend if you're looking for a reliable service.

    ★★★★★

  • Zalman Blachman

    a year ago

    Finding a trustworthy insurance provider was important to me, and Safety Nest did not disappoint. They were clear, honest, and took the time to understand what I was looking for. I appreciated that they didn’t try to upsell me, but rather focused on what would actually benefit my family. Highly recommended!

    ★★★★★

  • Glen Kilpatrick

    a year ago

    Absolutely fantastic service that I cannot recommend highly enough. Amazing communication throughout the process of saving me THOUSANDS in premiums while significantly INCREASING cover for my whole family. All for nil out of pocket fee. It seems almost too good to be true. But it is very much true and one of the very best services I’ve ever used. You won’t be disappointed.

    ★★★★★

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