The Specialist Underwriting Insurance Agency In Melbourne

Aspect Underwriting is a specialist underwriting agency in Melbourne that has 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 equally diverse personal and business needs of your clients. Driven by the personalised services of our passionate team of underwriters and backed by the reputational and financial security of Lloyd’s, we are well placed to access tailored and well-priced insurance solutions from a diverse, progressive and innovating market.

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, among others. No matter whether the client is a local, national or international commercial organisation or the nature of their work, we offer products that factor in all the risks they want covered.

Because of our engagement with a diverse range of businesses, we understand that clients can have risks and requirements specific to their business or employees’ nature of work and as such offer products that can be designed to fit in those requirements. Get in touch today and allow us to assist you in preparing insurance cover that fits into your client’s requirement.

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 their clients’ needs.

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 to extra length to create an conducive environment for our Brokers and their clients to drive business growth.

Access flexibile 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 a peace of mind 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 working in Australia, Aspect Underwriting offers insurance cover for your client’s empolyees stationed in Australia. With this cover, they are covered even if they are not entitled to Medicare and 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 Lloyd’s Coverholder, we are in an unique position to offer your clients a cover that is customised to their needs and limits. You can customise limits and benenefits to fit around existing policies and provide broader and more specific overall cover to your client.

Accidental Death Cover

Get an Accident 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 a stand alone trauma cover or bundle it up with TPD, IP and Accidental Death cover based on your clients need with customisable coverage and benefit amount and period.

  • 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, among others. No matter whether the client is a local, national or international commercial organisation or the nature of their work, we offer products that factor in all the risks they want covered.

    Because of our engagement with a diverse range of businesses, we understand that clients can have risks and requirements specific to their business or employees’ nature of work and as such offer products that can be designed to fit in those requirements. Get in touch today and allow us to assist you in preparing insurance cover that fits into your client’s requirement.

    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 their clients’ needs.

    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 to extra length to create an conducive environment for our Brokers and their clients to drive business growth.

    Access flexibile 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 a peace of mind 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 working in Australia, Aspect Underwriting offers insurance cover for your client’s empolyees stationed in Australia. With this cover, they are covered even if they are not entitled to Medicare and 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 Lloyd’s Coverholder, we are in an unique position to offer your clients a cover that is customised to their needs and limits. You can customise limits and benenefits to fit around existing policies and provide broader and more specific overall cover to your client.

    Accidental Death Cover

    Get an Accident 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 a stand alone trauma cover or bundle it up with TPD, IP and Accidental Death cover based on your clients need with customisable coverage and benefit amount and period.