Your Family's Home, Income, and Future.
We help Australians find the right life, trauma, income protection, and Total Permanent Disability (TPD) cover - with honest guidance and zero cost to you.
Free. No obligation.
The Cost of Waiting
What happens when you don't look into it?
60%
of Australians are underinsured. Most don’t find out until claim time - when it’s too late to fix.
$375K gap
between the average Australian mortgage and the default death cover in super. That gap falls on your family.
3 months
of savings is all most Australian households have before financial stress sets in. One diagnosis can change everything.
It's not your fault. Insurance wasn't designed to be easy.
That's what we're here for.
* Insights sourced from Rice Warner Underinsurance Reports, ABS Lending Indicators, ASFA, and Finder Consumer Sentiment Tracker. Figures are approximate and individual circumstances vary.
Our Mission
Our mission is to make life insurance feel human - clear, personal, and genuinely supportive.
Research suggests that many Australians are underinsured relative to their financial commitments, and that the level of cover provided by default through superannuation may not align with individual circumstances. For some households, this can mean a meaningful gap between cover and need.
We help Australians understand the cover available to them and how different types of personal insurance work together, so they can make informed decisions for their situation.
We're here to change that.
The Difference
Going direct vs. working with a broker
Buying insurance direct might seem simpler. But without guidance, it's easy to end up with the wrong cover, or gaps you don't see until claim time.
DIY / Direct
Going it alone
Cover level
You estimate the amount yourself
Policy selection
One insurer’s website, one product
Guidance
None - you research it yourself
Exclusions
Buried in PDS fine print you may miss
Claims support
You deal with the insurer alone
Cost
You pay the same premium - without the guidance
With a broker
Solace Life
Cover level
Discussed in the context of your circumstances
Policy selection
Options compared across multiple insurers
Guidance
General guidance from a licensed broker
Exclusions
Key policy terms explained in plain English
Claims support
Your broker can assist with the claims process
Cost
Same price, with broker support included
A broker costs you nothing extra, but the guidance can make all the difference.
Our Cover
What We Offer - Personal Protection Made Personal
Every family is different. We help you find the right combination of cover to protect what matters most.
Book a Free Cover Check
Life Insurance
For the people you love, and the life you've built.
Provides a lump sum payment to your family if you pass away - ensuring they can continue living with financial stability, dignity, and choice.
- Cover mortgage, debts, and education costs
- Replace lost income and household contributions
- Fund medical or end-of-life care
- Maintain lifestyle and provide long-term security
Income Protection
Because life doesn't pause when you can't work.
Replaces a portion of your income if you can't work due to illness or injury - so you can focus on recovery without the added stress of falling behind financially.
- Continue meeting everyday expenses
- Avoid dipping into savings or going into debt
- Fund rehab, therapy, and recovery support
- Keep your lifestyle consistent during time off
Trauma Insurance
Support when serious illness hits home.
Pays a lump sum if you're diagnosed with a major condition like cancer, stroke, or heart disease - helping you take control of treatment, time, and what matters most.
- Access timely, high-quality medical care
- Take extended time off work without worry
- Support your family while you recover
- Avoid financial strain during a crisis
Total Permanent Disability (TPD)
If everything changes, you're still protected.
Provides financial support if you become permanently unable to work due to illness or injury - giving you and your family the flexibility to adjust and move forward.
- Pay for medical and ongoing care needs
- Modify your home or lifestyle for accessibility
- Secure long-term financial independence
- Reduce future burden on loved ones
Child Trauma Insurance
Because when a child is unwell, everything else stops.
Helps you be there for your child during a serious illness - by providing funds for care, time off work, and emotional breathing room.
- Cover medical expenses and specialist treatments
- Take time away from work to support their recovery
- Relieve financial stress so you can focus on them
- Provide flexibility during life's hardest moments
How It Works
Three Steps to Peace of Mind
Getting covered doesn't have to be complicated. We handle the hard part so you can focus on what matters.
Learn
We'll walk you through each type of insurance in plain English, explain how they work together, and help you understand the options available to you.
Compare
We work with Australia's leading insurance providers to find the right cover at the right price. You pick the option that fits your life and budget.
Apply & Stay Covered
We handle the paperwork and support you through the application. Then we stay with you - annual reviews, policy updates, and full claims support when you need it.
Our Promise
What we commit to
Before we work together, here's what you can expect from us.
If you’re already well covered, we’ll tell you honestly.
We don’t charge you a fee. The insurer pays us a commission when your policy is issued.
We share the options that fit your life, not the products that pay us the most.
We explain everything in plain English. No jargon, no pressure.
We provide our Financial Services Guide upfront, so you know exactly how we’re paid.
After your cover is in place, we stay with you - annual reviews, policy updates, and full claims support.
Plain English, No Jargon
We break down complexity in plain English.
Honest, Informed Guidance
Honest guidance, matched to your life and stage.
Care Over Commission
We lead with care, not commission.
Existing Customers
Already Have Insurance?
Not sure if your current cover is right? Paying too much? Need help with a claim? We're here to help - at no cost.
Check for Savings
Want to be sure you have the best deal? We can compare your current cover against the market and switch you if something better comes up.
Review My CoverUpdate Your Policies
Bought a house, had a child, or changed jobs? We can help you review your cover and understand your options.
Update My CoverGet Help With Claims
Need to make a claim? We'll use our experience to help you get the best outcome while you focus on what's important.
Lodge a ClaimOur Partners
Partnered with Australia's Leading Insurance Providers
Having access to the majority of retail insurers makes it easier to find the right cover at the right price.
Your Health Is Your Biggest Asset When Applying for Cover
Pre-existing conditions can affect your eligibility and premiums. The best time to get covered is while you're healthy. A free Consultation Call gives you clarity on where you stand.
If after our conversation you decide not to proceed, you walk away with a clearer understanding of your options.
It hasn't cost you a cent.
Free. No obligation.