Business Insurance

What if you passed away tomorrow?Is your family looked after and is your business partner secure?

Businesses of all sizes and across various industries have the same challenges if something were to happen. Is your family covered if there was an accident or illness, and what are the repercussions. We would love to chat with you, help you understand the options and see if any of the below insurances makes sense for you at this stage of your journey.


We've got you covered in the following areas

Buy Sell Cover

Insurance secures funds for buying out partners in case of death or disability, guaranteeing your spouse gets the business equity and eases your partner's financial burden, enabling seamless business operations.

Key Person Cover

We understand your hard work in building a strong business. If something unexpected happens to you, the business could suffer. Key person cover provides funds for cashflow and temporary role replacement during your recovery.

Business Expenses or Debt Recovery

This policy eliminates debt and bills during your inability to work. Income protection pays an individual, while Business Expenses benefit the business monthly instead of a lump sum.

26%

of family-owned businesses have a written succession plan4.

44%

of businesses have a Buy/Sell Agreement5.

25%

of business owners are funded with Life Insurance6.

Who we help

We’re all about supporting business owners, especially those in different partnership setups – they’re the heart of what we do. Our commitment runs deep, and we’re here to back any business owner dealing with unexpected bumps in their professional journey.

But it’s not just about business owners; we’re here for the whole entrepreneurial gang. That includes small and medium-sized enterprises (SMEs), folks who are self-employed, and our trusty tradespeople. They’re all part of our mission to protect businesses and their families when life throws curveballs. We’re like your friendly neighborhood guardian, helping dreams thrive and giving you the confidence to face the future head-on, knowing we’ve got your back.

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