Your trusted insurance partner
We work with accountants, general insurers, lawyers, mortgage brokers and business advisers to deliver specialist insurance for business owners and their families.
Refer your clients with confidence
We understand that when you refer a client, you are placing your reputation in someone else’s hands. That’s why we approach every referral with the same professionalism, care and attention you provide to your own clients.
Panorama Financial Services specialises in business and personal risk insurance for business owners, individuals and their families. Our advisers ensure clients have the right cover in place, structured properly and suited to their situation, without paying for cover they don’t need. If a claim occurs, we stay involved and guide clients through the process, advocating on their behalf to help ensure they receive the benefits they’re entitled to.
Types of insurance we provide
Buy/Sell
Buy/Sell insurance helps business partners plan for what happens if one partner passes away, becomes disabled or seriously ill. It provides the funds for the remaining owners to purchase that partner’s share.
Key Person
Key Person insurance protects a business if an essential employee, owner or manager is no longer able to work. The policy provides funds to help manage disruption and give the business time to recover.
Life Insurance
Helps provide financial support to a person’s family if they pass away or are diagnosed with a terminal illness, helping ensure loved ones are financially supported.
Income Protection
Income protection helps individuals maintain financial stability if illness or injury prevents them from working by replacing a portion of their income while they recover.
TPD Insurance
Provides financial support if illness or injury leaves someone permanently unable to work, helping cover debts, medical costs and long-term living expenses.
Trauma Insurance
Provides a lump sum if someone is diagnosed with a serious medical condition such as cancer, heart attack or stroke, helping ease financial pressure during treatment and recovery.
Why referral partners work with Panorama
How our referral process works
1. Introduce us to your client
Whether you’d like to connect us directly or simply share our details or capabilities statement, we’ll take it from there and arrange an initial conversation.
2. Strategy & implementation
After our initial discussion, we’ll begin to develop a strategy that protects their interests and acts as a safeguard against unexpected events.
3. We manage the process
Our advisers handle everything from putting the right cover in place through to ongoing support. If a claim occurs, we guide clients through the process and advocate on their behalf.
An easy way to introduce Panorama to your clients
If you’d like to introduce a client to Panorama, our capabilities statement provides a clear overview of who we are, the types of insurance matters we assist with, and how we support clients throughout the process.
Meet the team
With over 40 years of combined experience, our industry-recognised professionals are here to ensure financial security and peace of mind for families, individuals and businesses.
Mark Crowe
Director
Mark is an award-winning adviser with 20+ years’ experience helping business owners and individuals protect what they’ve built. He specialises in risk insurance and keeps things clear, practical, and outcome-focused.
Thuy Nguyen
Adviser
Thuy is an experienced adviser in risk insurance and superannuation, known for her attention to detail and genuine care for her clients.
Testimonials
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.
Do you have a client who may need specialist insurance advice?
Our advisers are here to help, providing clear guidance and ongoing support.
