Personal Insurance

Personal Insurance for you and your family to cover you if and when you need it. Helping you sleep at night!

No matter your age or where you or your family are at right now in life, we will sit down with you, hold your hand and see if it makes sense that we recommend some of the insurances below.


We've got you covered in the following areas

Life Insurance

This policy offers a lump sum benefit to your family or children in the unfortunate event of a tragic occurrence.

Total & Permanent Disability (TPD)

You are still alive but you are in a bad way, where you will never work again. You might need modifications done to your home as you will probably be in a wheelchair ++

Income Protection

Our ability to work and earn income is our most vital asset. In case of injury or illness, income protection ensures monthly benefits to cover living expenses until work is possible again.

Trauma

A trauma policy pays a lump sum for about 50 different traumatic conditions such as heart attacks, strokes, or cancer, covering immediate medical expenses for your recovery.

42%

of Australians don’t have enough life insurance to provide the same standard of living1.

50%

of Australians will be diagnosed with cancer by the age of 852.

17x

trauma claims made through Panorama so far in 2023 totalling $2,720,0003.

Like one big extended family

We’re a genuine family-oriented bunch, down-to-earth and honest. We’re thrilled to connect with you and discover where you stand in life. Your priorities and potential insurance needs matter to us.

We understand insurance can be puzzling – that’s a fact. Our mission is to guide you and make the intricate stuff easy to grasp. We’ll handle all the legwork to secure the best-priced insurance that suits your unique situation during this phase of life.

Our Insurance Partners


We do all the hard work, running around talking with these insurance partners to come up with the best deal for you.

If you're not insured… you're not ensured. Let us help!

We’ll bring the conversation to you if you if you would prefer to meet online. Let’s start the conversation to get to know you, where are you at now and how we can help you with your insurance and superannuation needs.

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Panorama Financial Services (AUS) Pty Ltd, ABN: 86 654 663 671 is a Corporate Authorised Representative of Sentry Advice Pty Ltd, ABN: 77 103 642 888 AFSL 227748.

Mark Crowe is a Sub-Authorised Representative (No 342018) of Panorama Financial Services (Aus) Pty Ltd. Panorama Financial Services (Aus) Pty Ltd is a Corporate Authorised Representative (No 1303106) of Sentry Advice Pty Ltd AFSL 227748 (The Licensee). View their FSG here.

Thuy Nguyen is a Sub-Authorised Representative (No 405698) of Panorama Financial Services (Aus) Pty Ltd. Panorama Financial Services (Aus) Pty Ltd is a Corporate Authorised Representative (No 1303106) of Sentry Advice Pty Ltd AFSL 227748 (The Licensee). View their FSG here.

The information contained in this website and any of the resources available through it including eBooks, fact sheets and seminars (‘Content’) has been prepared for general information purposes only and is not (and cannot be construed or relied upon as) personal advice. No investment objectives, financial circumstances or needs of any individual have been taken into account in the preparation of the Content. Financial products entail risk of loss, may rise and fall, and are impacted by a range of market and economic factors, and you should always obtain professional advice to ensure trading or investing in such products is suitable for your circumstances. Under no circumstances will any of Panorama Financial Services (AUS) Pty Ltd, Sentry Advice Pty Ltd, its officers, representatives, associates or agents be liable for any loss or damage, whether direct, incidental or consequential, caused by reliance on or use of the Content. This content is restricted to Australian residents and is for the intended recipient only. From time to time Mark Crowe & Thuy Nguyen and Panorama Financial Services (AUS) Pty Ltd representatives or associates may hold interest in or transact in companies or products mentioned herein, and may receive fees or other benefits, in connection with the making of any recommendation or facilitating a transaction in such companies or products.

Sources: 1. Cancer Council Victoria  2. Australian institute of health and welfare  3. Australian institute of health and welfare  4. Five Pillars of People risk Report  5. Oxford University business college  6. The TJB American business magazine 7. Finder / News.com.au