FAQ
Frequently Asked Questions (FAQ)
What types of insurance can Thrive Protect help with? Do I need life insurance, TPD, or income protection?
We can help you explore Life Insurance in Australia, including Total and Permanent Disability (TPD), Trauma cover, and Income Protection. You can download our Insurance Descriptions for further information.
Do you offer insurance advice?
No. Thrive Protect does not provide advice. We share general information to help you understand your options, but we do not assess your personal needs or suggest specific options. You can download our Insurance Needs Planner to help you explore what’s most important to you.
What if I already have insurance in place?
How much does it cost to use Thrive Protect?
There’s no cost to access our service. If you choose to take out cover through us, we’re paid a commission by the insurer.
Will I need to do medical tests?
Sometimes, yes. It depends on your age, health, and the type and amount of cover you’re applying for. We’ll let you know what to expect, so you can decide how to proceed
Do I need life insurance if I have super?
Many super funds include a basic level of life insurance, but the amount is usually limited and may not reflect your actual needs. It’s worth checking how much cover you have and whether it’s enough to support your family, pay off debts, or maintain your lifestyle if something happened to you. Use our Insurance Needs Planner to help you.
How much income protection can I get in Queensland?
Most income protection policies in Queensland (and across Australia) cover up to 70% of your pre-tax income if you’re unable to work due to illness or injury. The maximum monthly benefit you can apply for depends on your job type, income, and the insurer. Contact us for more information or have a look at our Insurance Needs Planner and Insurance Descriptions