Do you do CTP/Green Slips?

Yes - we are authorised agents of QBE and Allianz in relation to CTP/Green Slips in NSW.

As a start-up business, what cover do I need?

This depends on the type of business you are in. New insurance policies are being developed constantly as the world and the risks you face change. DKG Insurance Brokers undertake regular training and remain abreast of all developments within the industry, so they are well placed to regularly review your risk areas and advise accordingly.

How do I obtain a quote and how long does this take?

The duration of an insurance policy can vary depending on several factors, including the type of insurance, the insurer's processes and the specific terms and conditions of the policy. Typically, insurance policies can be issued and activated within a few days to a few weeks. However, more complex policies or those requiring additional underwriting may take longer to process.

Why should I use a broker instead of going direct with an insurance company?

As insurance brokers, our priority is to represent your interests at all times and to provide you with professional guidance in everything pertaining to your insurance in a market that is forever changing in premiums, product availability and policy conditions. Our team of Qualified Practising Insurance Brokers is trained to understand the differences between various policies and is often able to negotiate premiums that aren't available to you. In fact, some insurance policies are only available through intermediaries such as brokers. Our role as brokers is to source the most appropriate policies for your circumstances and to advise on the various areas of risk for you or your company.

What is a Product Disclosure Statement (PDS)?

A Product Disclosure Statement or PDS should be provided to retail clients prior to them making a decision to purchase an insurance policy. The PDS is issued by the insurer and highlights significant information about the policy of which you should be aware. This includes information about the insurer, significant benefits and features, things that are not covered, significant risks and other important information. You should carefully read the PDS prior to making a decision about purchasing an insurance policy.

What is a Financial Services Guide (FSG)?

A Financial Services Guide (FSG) must be given to a potential client by a licensee (or an Authorised Representative) as soon as practicable. It sets out information in relation to how we do business such as documenting the standard basis on which we act for the client; providing all statutory notices; other information required by law (e.g. how we get paid); and explaining how we will handle a client’s business.

DKG Insurance Brokers - Personal Life Insurance

Personal life insurance is usually owned by the individual rather than the business and that distinction matters. It answers a personal exposure: the financial obligations that would remain if you died and the people who rely on your income, your guarantees or your equity. It is kept distinct from business-owned key person cover, which answers a business exposure.

A lump sum from a life policy can be directed to repay a mortgage or business debt, support a family, fund obligations under a personal guarantee or support an estate plan. How it is owned, who it pays and how it interacts with your wider arrangements are personal questions that depend on your circumstances. We set out the general framework and refer the personal, legal and tax detail to the appropriate adviser.

DKG is an advisory-led general insurance broker with specialist Life and People Risk capability. We advise before we place. We help you understand where personal life cover fits within a personal-risk programme that may also include total and permanent disability, income protection and trauma cover, and we set honest expectations about underwriting up front. Cover is shaped by disclosure, health, occupation and insurer appetite, and is always subject to policy wording.

What are the benefits?

A lump sum designed to be available if you die, directed to the people and obligations that depend on you.
A terminal illness benefit, subject to definition and wording, that can bring a benefit forward on diagnosis of a terminal condition.
Funds that can help repay a mortgage or business debt, support a family or meet obligations under a personal guarantee.
Cover that can support an estate plan and ownership responsibilities, designed around your circumstances.
A clear separation from business-owned cover, so personal protection and business protection each do their job.
An adviser who reviews the cover as your circumstances change and acts as your advocate if a claim is made.

What can it cover?

Personal life insurance is generally individually owned. In general terms and subject to underwriting, terms, conditions, exclusions and policy wording, cover can be designed to provide:

A lump sum payable on death.
A terminal illness benefit that may bring the benefit forward on diagnosis of a terminal illness, subject to the policy definition.
A sum that can be directed to repay debt, protect dependants, support estate plans or meet ownership and guarantee obligations.
Cover that can sit alongside total and permanent disability, income protection and trauma cover as part of a personal-risk programme.

The amount and structure depend on your circumstances, your obligations and what underwriting will support. We work through that with you before any cover is placed.

What usually isn’t covered?

Cover responds to the policy definitions and the events the policy is written to answer. In general terms and subject to policy wording, the following are usually not covered:

Suicide within an initial exclusion period set by the policy.
Undisclosed pre-existing conditions.
Deliberate misrepresentation at application.
Events that fall outside the policy definitions.

What a policy covers and excludes is determined by the insurer and the policy wording. Full and accurate disclosure at application is central to how a policy responds and we explain that before cover is placed.

How DKG supports you

We start with your obligations and the people who depend on you, then help you understand where personal life cover fits within a wider personal-risk programme. We set honest expectations about underwriting, including how disclosure, health and occupation shape what an insurer will offer. We do not provide personal financial, legal or tax advice on these life-risk lines and we refer those questions to the appropriate adviser.

When a claim is made, we act as your advocate or, in the case of a death claim, for those left to manage it. We help prepare and present the claim, work through the policy definitions and evidence and manage insurer engagement. The insurer and the policy wording determine the outcome and we make no representation as to claim results.

DKG’s Life and People Risk practice is led by Marnie Maloney, Head of Life and People Risk. She brings more than 20 years of experience in life insurance and financial advice, with deep expertise across personal risk advice, business succession planning and corporate protection. To review your personal life cover and how it sits with the rest of your protection, contact Marnie via email or phone on 1800 252 926.

Related services

Other cover may be considered and additional exclusions may apply.

Important note− The information provided is general advice only and has been prepared without taking into account your objectives, financial situation or needs. When making decisions about personal life insurance, please consider the Product Disclosure Statement.

Personal life insurance is about protecting the people and obligations that depend on you. For business owners and executives, that can mean family, debt, personal guarantees, ownership responsibilities and estate plans. The key is understanding what should be personally owned, what belongs in the business and how the cover works alongside the rest of your protection. It’s about structure, clarity and making sure the right funds go to the right place.

Marnie Maloney, Head of Life and People Risk
DKG Insurance Brokers

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