INDEPENDENT GROUP ADVISORY
Group Insurance Specialists for Australian Employers
We help businesses protect staff while actively engaging employees, managing claims, and reviewing policies to keep cover competitive.
20 +
YEARS INDUSTRY EXPERIENCE
ADVISING EMPLOYERS ACROSS AUSTRALIA
SPECIALISTS IN EMPLOYER-SPONSORED LIFE, TPD & INCOME PROTECTION
Group Insurance Solutions for Australian Businesses
Group life, TPD, and income protection policies structured for Australian employers
Employer-funded life cover that pays a lump sum to an employee's family if they pass away or are diagnosed with a terminal illness. Standard cover ranges from 1x to 5x annual salary and is typically held inside your corporate super fund, making premiums tax-deductible for the business.
Pays a lump sum to employees who become permanently unable to work due to illness or injury. TPD cover helps employees clear debt, fund medical costs, and support their family - reducing the financial pressure on your business during long-term absences.
Replaces up to 75% of an employee's salary if they can't work due to illness or injury, typically paid monthly for up to 2 years or until age 65. A core part of most Australian group insurance structures and a key retention tool for firms competing for talent.
Why Australian Businesses Choose Workforce Group Insurance
Independent Group Insurance Advice
We're not tied to any insurer. We compare group life, TPD and income protection policies across the Australian market to structure the right cover for your workforce — not the insurer's preferred product.
Based in Sydney, advising businesses across Sydney, Melbourne, Brisbane, Perth and nationwide. We understand Australian super fund structures, AFSL frameworks, and the tax treatment of group insurance premiums under Australian law.
We design group insurance structures specific to your industry, workforce size, and employee demographics - whether you're a 10-person consulting firm or a 500-employee corporate. No templated policies.
Our Areas of Expertise
Small Businesses (5–20 Employees)
Group insurance structures for small Australian businesses in professional services, trades, and owner-operated firms. We design cost-effective cover that protects key staff without the administrative burden typically associated with corporate insurance programs.
We tailor group life, TPD and income protection to Australian SMEs scaling their workforce - automatic acceptance limits, consistent cover across every employee, and premium optimisation through competitive insurer tender.
Corporate Organisations
Scalable group insurance programs for ASX-listed companies, multinationals, and large Australian employers. Integrated with corporate super fund arrangements, employee benefit frameworks, and executive-level cover structures.
Our Advisory Process
STEP 01
Discovery Meeting
A consultation to understand your workforce size, existing cover (if any), super fund arrangements, and business objectives. No obligation, no cost. Conducted in-person across Sydney or via video for interstate clients.
STEP 02
Workforce Risk Analysis
We analyse your employee demographics, salary bands, and industry risk profile to identify cover gaps. This determines appropriate sum insured levels, waiting periods, and benefit periods for group life, TPD, and income protection.
STEP 03
Insurer Tender & Policy Design
We tender your requirements to major Australian group insurers including MLC, TAL, AIA, Zurich, and MetLife. You receive a side-by-side comparison of premiums, automatic acceptance limits, and policy terms - so you pick the right insurer, not the preferred one.
STEP 04
Implementation & Claims Advocacy
We manage insurer onboarding, employee communications, and policy activation. Ongoing support includes annual premium reviews, claims advocacy on behalf of your employees, and adjustments as your workforce grows or contracts.
Why We're Different
Most group insurance advisers take a “set and forget” approach.
They deal only with HR, have limited engagement with employees, and rarely revisit the structure once it’s implemented.
At Workforce Group Insurance, we provide actively managed group insurance solutions for businesses across Sydney, Bondi Junction, and Australia — with a focus on long-term workforce protection, employee benefits, and retention.
We don’t just implement policies — we deliver ongoing employee insurance programs including life insurance, income protection, and TPD cover, designed to support both your business and your team.
We work directly with your staff to ensure they understand and maximise their group insurance and employee benefits.
We assist employees in increasing and tailoring their life, income protection, and TPD insurance to suit their needs.
We guide employees through the insurance claims process, ensuring better outcomes and reduced stress.
We regularly review your group insurance structure to ensure it remains competitive, cost-effective, and aligned with your workforce.
We design employee benefits programs that help businesses attract, retain, and protect high-performing staff.