Insurance
Say goodbye to stress – welcome the protection of insurance.
Understand your insurance options today by calling 03 9191 8808
Financial advisory and insurance specialist firm that protects individuals, business owners, and families if the unexpected were to happen.
While we hope you never have to make a claim, planning ahead is essential for tackling life’s unexpected challenges. Insurance plays an important role in protecting your income, family, and business, and the right cover can significantly reduce stress during times of illness, injury, or loss.
Working with an insurance specialist saves you time and uncertainty. We explain everything clearly, work for you rather than the insurer, and help find the best option for your situation. Research from APRA shows claims lodged without an adviser are almost twice as likely to be declined.
Personal Insurance
Get customised life insurance guidance from seasoned advisers with four decades of expertise. Our goal is to ensure you don’t commit without feeling well-informed and at ease with your choice.
Business Insurance
Business insurance is complicated from Key Person Cover to Debt Recovery, and not many Australian Advisers are qualified to offer the right advice and products. Panorama have worked with many businesses covering 1000+ industries and we are categorised as one of the leading Victorian business insurance specialists.
42%
of Australians don’t have enough life insurance to provide the same standard of living 1
17x
trauma claims made through Panorama so far in 2023 totally $2,720,000 3
26%
of family-owned businesses have a written succession plan 4
We understand that insurance is not just a policy; it’s a critical safeguard for your income, your business, and the people who rely on you. Our role is to ensure that protection is set up correctly, clearly understood, and ready to perform when it is needed most.
With over 40 years of combined industry experience, our team of in-house insurance advisors possesses in-depth expertise in personal and business cover solutions across Australia. Our services include:
- Buy/Sell Insurance
- Key Person Insurance
- Life Insurance
- Income Protection
- Total and Permanent Disability (TPD)
- Trauma cover
With a wealth of knowledge, our consultants can swiftly navigate complex personal and commercial risks, tailoring strategies that align with your financial goals, business structure, and long-term objectives.
Whether you are an employee seeking to protect your income or a business owner managing succession and continuity risks, having the right cover in place is essential. We take the time to understand your circumstances, identify potential vulnerabilities, and communicate in clear, practical terms. From there, we design and implement your personal solution to provide the support and peace of mind you need.
Most importantly, our service does not end once your policy is in place. We actively support our clients throughout the life of their cover and advocate on their behalf during the claims process. With robust protection in place and an experienced team by your side, Panorama Financial Services makes sure that no matter what happens, you and the people around you are looked after.
Who we help
How our process works
1. Discovery & risk identification
We take the time to understand your personal circumstances, priorities, and any relevant financial or lifestyle factors. This allows us to identify potential risks to your income, assets, and loved ones that may require protection.
2. Strategy & implementation
We provide clear, tailored advice on insurance cover designed to protect you and your dependents, while also taking ownership of the entire application process.
3. Ongoing review & support
As your circumstances change, we review your cover to make sure it still suits your needs and that you’re not paying for cover you no longer need.
Insurance
Personal and business insurance solutions - tailored to protect what matters most to you.
Let’s face it, insurance isn’t the most exciting topic. Why shell out for something I might not even use? But consider this: if you have a family, a business or financial obligations, without a safety net in place, things could take a turn for the worse unexpectedly. Here’s to hoping you’ll never need to make a claim.
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
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Thuy Nguyen
Adviser
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Liana Bui
Service Manager
Bachelor of Business in Financial Risk Management / Diploma of Business in Banking & Finance
Testimonials
Life is too short to be caught up in the paperwork. Let us help!
We’ll bring the conversation to you if you if you would prefer to meet you online. Let’s start the conversation to get to know you, where are you at now and can we help you with your insurance and superannuation solutions.
Have more questions?
We’re here to help you protect what matters most.
Whether you’re planning for your family, your future, or your business, our team listens, simplifies, and guides you every step of the way.
Reach out and let’s build your peace of mind together.
Case studies
Our case studies show how practical, tailored advice helps navigate complex financial and insurance decisions in real-world situations.
Sheen Panel Service
Sheen Panel Service is Victoria's leading smash repairer, operating 27 panel shops across the state as well as three…
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.
We are big believers in giving back
We love team sport. It teaches you so much about life and in many ways prepares you for business. Learning about goal setting, working as a team, working with other people, how to handle success and how to handle failure. Some of the charities community groups we give back to:
Frequently asked questions
Explore the answers to some common questions about our Insurance services
An insurance broker helps take the complexity out of insurance, so you’re not left figuring it out on your own. We take the time to understand your situation, explain what different types of cover do and don’t protect, and help arrange insurance that makes sense for you. Beyond setting things up, we stay involved, reviewing your cover as circumstances change to ensure it remains appropriate. If something unexpected happens, we step in and support you through the entire claims process, helping reduce stress and guide things through smoothly.
Going directly to an insurer usually means choosing from their products alone and managing the process yourself. Working with a broker gives you someone in your corner who can compare options across the market and help you understand what’s actually suitable for your situation. We’re not tied to one insurer, so our focus stays on your needs. If something goes wrong, we also step in to support you through claims, rather than leaving you to handle it alone.
Not necessarily. In many cases, the cost of advice and support is built into the insurance premium, meaning there’s no additional charge for working with a broker. We also regularly help people review existing cover to ensure it still suits their circumstances and isn’t costing more than it should. Our focus is on helping you feel comfortable with what you’re paying for and confident that it makes sense.
Knowing what cover you need starts with understanding what would be hardest to manage if something unexpected happened. This might be a loss of income, financial commitments, or the impact on people who rely on you. We talk through how things work day to day, identify the areas that matter most, and explain your options clearly. This helps you make decisions based on your priorities and goals.
Yes. We work with clients across Australia and make the process easy to access, whether you prefer to connect online, over the phone or in person. Our approach is personal and considered, regardless of location. We take the time to understand your circumstances and provide advice that’s relevant to you.
An insurance review is a chance to check whether what you have in place still suits your situation. We review your existing cover, discuss any changes to your work, family, or finances, and determine whether updates are needed. Reviews help ensure your insurance remains relevant over time and that you’re not paying for cover that no longer fits how things look today.
Book a time
We’re here to help you protect what matters most.
Whether you’re planning for your family, your future, or your business, our team listens, simplifies, and guides you every step of the way.
Reach out and let’s build your peace of mind together.