Insurance  Claims

We offer specialist claim assistance from real insurance experts, not biased lawyers.

Having to lodge a claim can be daunting. We’ll assist you through the process to ensure your claims are lodged correctly and you’re one step closer to getting the outcome you need.


We understand that if you’re lodging an insurance claim, life doesn’t stop. Trying to sort through claim forms, source supporting documentation, and ensure claims are sent within crucial time frames can put anyone under unnecessary stress. Let us walk you through the process of lodging an income protection claim, and help make things run a little smoother.

Submitting Your Claim

We’ll assess your circumstances and help you lodge the claim that’s right for you. From income protection, life insurance, total and permanent disability insurance, trauma insurance and business expenses. We can take some weight off your shoulders.

With extensive knowledge in the processes and policies required to make a successful claim, we’ll make sure you have everything your insurance provider will need. If you’ve been injured, your claim will often depend on seeking medical attention within a certain period of time. Our advisors know the in’s and out’s of the process and can ensure that you don’t miss any steps along the way. We’ll help you fill out claim forms, guide you through sourcing supporting documents, and cut out any confusion when it comes to your claim.

Claim Assessment

Processing times and requirements will often differ amongst different insurers. This will depend on the policy, the insurer, and the complexity of the claim. Before lodging a claim, an advisor is able to determine whether or not it fits the definition of a ‘claimable event’ outlined by your insurance provider.

Once your claim is sent off following all the appropriate guidelines and requirements, it is up for assessment. Your advisor will receive information from the provider regarding: when your claim will initially be assessed, if further documentation may be required, any potential issues that may arise with your claim, any medical history that may need to be investigated, and if it fits into your policy terms and conditions. We’ll touch base with you to make sure that you understand everything that’s going on with your claim.

What if my claim is declined?

If your claim is denied, we stick with you to reassess your options. If need be, additional supporting documentation can be sent to support your claim. Most insurance providers will have an internal dispute resolution process. This is your first option before your claim can be externally reviewed.

In the circumstances that your claim is declined after internal resolution, your advisor is able to put you in touch with the Financial Ombudsman. This means your claim can be reviewed by an external, unbiased, third party.

How much do we charge?

We only charge a small percentage fee of your benefit amount once you have received it, our fee is capped at 5% (plus GST) up to a maximum of $20,000 (plus GST) This is something we are totally transparent about. Over the last 10 years of business, our focus has been centered around helping our clients claim their money back, more so than being driven by our own revenue.

We want you to get the best possible result from your claim with the least amount of stress.
Talk to one of our advisors today to get started.

Example fee on a $400,000 benefit claim

Aspire Risk Advisers

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What can we help with?

Life InsuranceTotal and Permanent Disability (TPD) InsuranceTrauma/Critical Illness InsuranceIncome Protection InsuranceBuy/Sell and Key Person Insurance

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Suite 4
210 Lower Heidelberg Road,
East Ivanhoe
Vic 3079

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