FAQs
What insurances do you help with?
For financial planning purposes, there are usually 4 covers you need:
Life
Covers your family if you pass away
TPD
Covers your family if you are permanently disabled and can never return to work
Income Protection
Regular income payment (usually 70% of your salary) if you are temporarily off work due to sickness or injury
Trauma
Covers you for heart attack, cancer, or stroke
Can CoverHouse work with my existing advisers?
Yes. We regularly work alongside buyers’ agents, mortgage brokers, accountants, and financial advisers to ensure your insurance aligns with your broader financial strategy.
How does the process work?
Advice and application
We spend around 20 minutes explaining your options so you can choose cover that meets your broader wealth strategy, then approximately 30 minutes to complete the underwriting questions and submit the application on your behalf.
The insurer assesses your application
The insurer will review the application and may request additional information or liaise with your medical practitioners if required. We manage this process end-to-end and remain your single point of contact throughout.
Advice and application
Once approved, a formal offer is issued (typically within a few weeks). Your policy is placed in force upon acceptance, with guaranteed renewability – meaning once you’re covered, your cover cannot be cancelled or changed by the insurer due to health.
Do you help with claims?
Yes, and this is one of the most important reasons clients choose us.
If you ever need to make a claim, we manage the process, liaise with the insurer, and advocate on your behalf to achieve the best possible outcome.
If you ever need to make a claim, we manage the process, liaise with the insurer, and advocate on your behalf to achieve the best possible outcome.