The Specialist Underwriting Insurance Agency In Melbourne
Aspect Underwriting is a specialist underwriting agency, located in Melbourne. At Aspect, we have the means and capabilities to provide bespoke accident & health insurance underwriting services to your clients. As a Lloyd’s Coverholder and wholesale broker, we have access to Lloyd’s unrivalled concentration of insurance capital and expertise, in a market that develops the essential, complex and critical insurance needed to underwrite human progress and keep businesses functioning.
With over 40 years of collective experience in accident & health insurance underwriting, Aspect has the capabilities and resources to offer simplified, diverse and bespoke solutions that cater to the equally diverse personal and business needs of your clients. Driven by the personalised service of our passionate team of underwriters and backed by the reputational and financial security of Lloyd’s, we are well positioned to access tailored and well-priced insurance solutions from a diverse, progressive and innovative market.
Key Features
- Over 40 years of collective experience in underwriting for Australian & international market.
- Wide range of cover for your clients no matter what their occupation is.
- Individual maximum benefits of up to $10,000 per week and up to $7.5m for lump sum benefits.
- Flexible waiting periods from 7 days to 12 months.
- Flexible benefit periods, up to 5 years.
- Combined policy wording including a menu of products to include.
- Product extensions such as a funeral benefit, home help allowances, return to work & rehab support.
- Cover for expats working outside of Australia or inpats working in Australia.
- Limits & benefits can be designed to fit around existing policies, to provide broader and more specific overall cover.
- Group or individual accident and sickness insurance packages.
- Proud member of Steadfast Group – Australia’s largest insurance broking network.
- Authorised representative of McLardy McShane Partners.
- Lloyd’s Coverholder & wholesale broker.
- Local boutique insurance underwriting agency that values its client relationship above anything else.
Aspect Accident & Health: The Best in Accident & Health Underwriting
Business Underwriting Services
Aspect Underwriting is positioned uniquely to offer tailored corporate accident and health insurance solutions and services to a wide range of industries including construction, energy, entertainment, environment, financial, health care and more. No matter whether the client is a local, national or international organisation, we offer products that factor in all of the risks that they want covered.
Because of our engagement with a diverse range of businesses, we understand that clients will have risks and requirements that are specific to their business or employees’ nature of work. As such we offer products that can be designed to fit into those requirements. Get in touch today and allow us to assist you in preparing insurance cover that fits your client’s needs.
Personal Underwriting Services
As a specialist underwriting agency, Aspect Underwriting has some of the most sought-after personal insurance products and offerings in the market. Our partnership with leading insurance providers in local and international markets gives us an edge over our competitors in providing comprehensive coverage and customised limits. Our offerings ensure that our clients’ needs are addressed with an offering that is tailored to them.
In addition to the flexibility of our covers, we stand out in the crowd because of our simplified yet extensive cover format when it comes to accident & health insurance underwriting. Aspect Underwriting goes the extra mile to create a conducive environment for our Brokers and their clients to drive business growth.
Access flexible and open-for-customisation group insurance packages with Aspect Underwriting.
Group Personal Accident & Sickness
Protect the most important assets of your client’s business – their employees – with our market-leading insurance cover. Highlights include certain protection against loss by illness, injury or death to employees.
Group Expatriate Insurance
No matter where your employees are stationed abroad, Aspect Underwriting offers insurance cover that can give them peace of mind while working away from home. We specialise in offering bespoke group expatriate insurance cover – no matter their needs.
Group Inpatriate Insurance
Considering the presence of a large number of multinational companies in Australia, Aspect Underwriting offers insurance cover for your client’s employees stationed in Australia. With this cover, they are covered, even if they are not entitled to Medicare or meet the DOIC requirements.
Aspect Underwriting’s individual accident & health products provide cover to a wide range of individuals no matter their occupation, health or financial status. As a Lloyd’s Coverholder, we are in a unique position to offer our clients cover that is customised to their needs and limits. You can customise your limits and benefits to fit around existing policies to provide broader and more specific overall cover to your client.
Accidental Death Cover
Get Accidental Death Cover for your client that is significantly cheaper than life insurance and is paid in addition to any life insurance benefit your client is entitled to. Offers flexibility in terms of the sum insured and policy wording to suit any existing policy coverage.
Total Permanent Disability Cover
Our team of Accident and Health underwriters specialise in arranging the most fitting Total Permanent Disability (TPD) Cover for your clients by factoring in all their needs and circumstances.
Income Protection Cover
Offer the best-in-market income protection cover to your clients. Fully customisable in terms of payment duration, waiting period and benefit period – we offer one of the broadest Income Protection products in the market.
Trauma Cover
Get stand-alone trauma cover or bundle it with TPD, IP and Accidental Death cover, depending on your client’s needs, with customisable coverage, benefit amounts and benefit periods.
Business Underwriting Services
Aspect Underwriting is positioned uniquely to offer tailored corporate accident and health insurance solutions and services to a wide range of industries including construction, energy, entertainment, environment, financial, health care and more. No matter whether the client is a local, national or international organisation, we offer products that factor in all of the risks that they want covered.
Because of our engagement with a diverse range of businesses, we understand that clients will have risks and requirements that are specific to their business or employees’ nature of work. As such we offer products that can be designed to fit into those requirements. Get in touch today and allow us to assist you in preparing insurance cover that fits your client’s needs.
Personal Underwriting Services
As a specialist underwriting agency, Aspect Underwriting has some of the most sought-after personal insurance products and offerings in the market. Our partnership with leading insurance providers in local and international markets gives us an edge over our competitors in providing comprehensive coverage and customised limits. Our offerings ensure that our clients’ needs are addressed with an offering that is tailored to them.
In addition to the flexibility of our covers, we stand out in the crowd because of our simplified yet extensive cover format when it comes to accident & health insurance underwriting. Aspect Underwriting goes the extra mile to create a conducive environment for our Brokers and their clients to drive business growth.
Access flexible and open-for-customisation group insurance packages with Aspect Underwriting.
Group Personal Accident & Sickness
Protect the most important assets of your client’s business – their employees – with our market-leading insurance cover. Highlights include certain protection against loss by illness, injury or death to employees.
Group Expatriate Insurance
No matter where your employees are stationed abroad, Aspect Underwriting offers insurance cover that can give them peace of mind while working away from home. We specialise in offering bespoke group expatriate insurance cover – no matter their needs.
Group Inpatriate Insurance
Considering the presence of a large number of multinational companies in Australia, Aspect Underwriting offers insurance cover for your client’s employees stationed in Australia. With this cover, they are covered, even if they are not entitled to Medicare or meet the DOIC requirements.
Aspect Underwriting’s individual accident & health products provide cover to a wide range of individuals no matter their occupation, health or financial status. As a Lloyd’s Coverholder, we are in a unique position to offer our clients cover that is customised to their needs and limits. You can customise your limits and benefits to fit around existing policies to provide broader and more specific overall cover to your client.
Accidental Death Cover
Get Accidental Death Cover for your client that is significantly cheaper than life insurance and is paid in addition to any life insurance benefit your client is entitled to. Offers flexibility in terms of the sum insured and policy wording to suit any existing policy coverage.
Total Permanent Disability Cover
Our team of Accident and Health underwriters specialise in arranging the most fitting Total Permanent Disability (TPD) Cover for your clients by factoring in all their needs and circumstances.
Income Protection Cover
Offer the best-in-market income protection cover to your clients. Fully customisable in terms of payment duration, waiting period and benefit period – we offer one of the broadest Income Protection products in the market.
Trauma Cover
Get stand-alone trauma cover or bundle it with TPD, IP and Accidental Death cover, depending on your client’s needs, with customisable coverage, benefit amounts and benefit periods.
