Personalised Life Insurance Advice You Can Trust
Helping individuals and families understand their insurance options and choose cover that suits their life and budget.
- Expert Guidance
- Quality Insurance
- Full Claims Support
We help you compare life insurance options across multiple leading insurers, so you can find cover that suits your needs.
ABOUT US
BC Life is a personalised life insurance advice business focused on helping individuals and families make informed decisions about protecting their financial future.
We believe insurance advice should be clear, tailored, and stress-free. Our approach is to take the time to understand each client’s circumstances, explain available options in plain language, and provide guidance that aligns with their needs and budget.
BC Life operates with a people-first mindset, placing strong importance on trust, empathy, and open communication. We work closely with our clients over time to ensure their insurance remains appropriate as life changes, and we provide ongoing support including assistance with policy updates and claims when required.
Based in Australia, BC Life services clients locally and nationwide, offering personalised advice no matter where our clients are located.
Clear advice. Personal support. Ongoing guidance.
People-First Advice
We take the time to understand your situation and explain your options clearly, so you can make informed decisions with confidence.
Personalised Support
Your insurance is tailored to your life, goals, and budget — not a one-size-fits-all solution.
Ongoing Guidance
As life changes, we’re here to review, update, and support your cover, including assistance at claim time.
WHAT WE DO
Personalised Life Insurance Advice That Puts You First
BC Life provides clear, tailored life insurance advice to help individuals and families make informed decisions about protecting their financial future. We guide you through your options, handle the detail, and support you over the life of your policy.
Clear Guidance
We explain how different types of insurance work, answer your questions, and help you understand your options in plain language.
Personalised Cover
We recommend insurance solutions that are suited to your circumstances, priorities, and budget—without unnecessary extras.
Ongoing Policy Support
As your life changes, we help review and update your insurance to ensure it remains appropriate over time.
Claims Assistance
As life changes, we’re here to review, update, and support your cover, including assistance at claim time.
types of personal insurance
Personal insurance breakdown
Together each insurance protects you and your family financially against sickness, injury or the loss of a loved one.
What It Does
Do I Need It?
If you would need help financially due to being off work for a short or long period then Income Insurance is designed to help.
How Much Do I Need?
Your payout amount can be up to 70% of your income. Think about the minimum amount you could or would be willing to live on if you had to.
To choose a waiting period think about how quickly you’d need or like your payments to start (i.e. how long your savings, sick leave, annual leave etc would cover you for).
To choose a benefit period think about when your payments could realistically stop. Do you have Disability Insurance, investments, super, an inheritance etc that you could rely on after a certain period? If not, then you could consider getting cover till retirement age.
Personalisation Options
Payout Amount
Generally up to 70% of your income.
Payout Options
Inside or outside super.
Benefit Period
The benefit period is the total amount of time you will be paid for whilst on claim.
What It Does
Life Insurance pays out a single lump sum if you’re no longer here or are diagnosed with less than 12 months to live. It’s designed to support any of your loved ones that would be negatively affected financially if you passed away (i.e. a spouse, children, a business partner etc).
Do I Need It?
Would anyone be negatively affected financially if you were no longer here? Life Insurance is designed to make sure your loved ones aren’t left with a financial burden and can continue to survive without you.
How Much Do I Need?
Life Insurance should cover the costs involved with surviving financially without you. This amount usually includes paying off any debts you have, providing for your spouse, getting your children through school and final costs (like funeral expenses).
Personalisation Options
Payout Type
Life insurance generally pays a lump sum benefit if you pass away or are diagnosed with a terminal illness.
Payment Options
Inside or outside super.
What It Does
Total and Permanent Disability (TPD) Insurance pays a lump sum that covers the costs of being forced into an early retirement due to sickness or injury. It’s usually used for medical care, to pay off debt, replace your missing income or even invested to provide an income.
Do I Need It?
If you became disabled and could never work again, would you survive financially? Disability Insurance helps when your income stops and your expenses stay the same.
How Much Do I Need?
Think about how much you’d need to pay off debts (such as your mortgage), medical or rehabilitation costs, home modifications, household living expenses and the savings you want in retirement.
Personalisation Options
Payout Type
Total and Permanent Disability (TPD) insurance provides a lump sum payment if you become permanently unable to work due to illness or injury.
Payment Options
Inside or outside super.
Occupation Covered
Your own occupation or any occupation you could do.
What It Does
Trauma Insurance pays out a lump sum if you suffer one of up to 50 medical emergencies (the main four being heart attack, stroke, cancer and heart bypass surgery). Trauma Insurance is all about helping you recover and so it pays out regardless of whether or not you can still work. The extra money usually helps you afford medical bills and some time off to recover or spend with your loved ones.
Do I Need It?
If you were to suffer a medical emergency, would medical bills and living expenses be a worry when they shouldn’t be? Trauma Insurance helps cover these unexpected costs.
How Much Do I Need?
Think about how much you’d like to have to cover medical bills and some time off. You can also use Income Insurance to help cover your time off and Trauma Insurance to cover the large unexpected medical bills.
How Much Do I Need?
Think about how much you’d like to have to cover medical bills and some time off. You can also use Income Insurance to help cover your time off and Trauma Insurance to cover the large unexpected medical bills.
Personalisation Options
Payout Type
Trauma insurance pays a lump sum on diagnosis of a serious medical condition, helping cover medical costs, recovery time, or lifestyle adjustments.
Payment Options
Inside or outside super.
Occupation Covered
Your own occupation or any occupation you could do.
CONTACT US
Ready to protect your financial future? Get in touch for a no obligation conversation. Phone, email or complete our enquiry form and we’ll reach out.
- Phone: 07 5606 2005
- Mobile: 0431 323 138
- Email: joe@bclife.com.au
Service Areas
Based in Canungra, BC Life services clients across the Scenic Rim, Beaudesert, the Gold Coast, Brisbane, and throughout Australia.
READY TO TALK?
Get Clear, Personalised Insurance Advice
If you’d like to understand your insurance options or review your existing cover, we’re here to help. Get in touch to arrange a conversation at a time that suits you.