Personal Insurance
Personal Insurance for you and your family to cover you if and when you need it. Helping you sleep at night!
Start your insurance plan today by calling 03 9191 8808
The importance of personal insurance
While we wish it never happens, illness, injury or loss of life can have an immeasurable impact on you and the ones you love. No matter your age or stage of life, we’ll hold your hand and guide you through personal insurance options that suit your situation. Our specialists work closely with you to understand your unique circumstances and help direct you towards policies that provide peace of mind when you need it most.
Our personal insurance services include:
- Life insurance
- Total and Permanent Disability (TPD)
- Income protection
- Trauma
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.
We've got you covered in the following areas
Life Insurance
Get guidance on life insurance options that can provide financial support for your loved ones during unexpected life events.
Trauma Insurance
Understand options designed to provide financial support if you’re diagnosed with a serious medical condition.
Total and Permanent Disability (TPD) Insurance
Provide financial support if illness or injury permanently affects your ability to work.
Income Protection Insurance
Explore income protection insurance options for employees, contractors, and self-employed Australians, including how cover may apply if illness or injury stops you from working.
Panorama Financial Services is your trusted insurance specialist, where we use over 40 years of experience to guide Australians in safeguarding their financial future against life’s unexpected events. With a keen interest in simplifying complex policies and communicating in plain terms, we specialise in tailoring solutions that look after you when you need it most. We help you understand your risks, arrange the appropriate cover, and advocate on your behalf when it’s time to make a claim, ensuring you’re always taken care of.
Our tailored approach to arranging personal insurance is determined by your unique needs, not a one-size-fits-all mentality. We take the time to understand your work and business structure alongside your personal circumstances and priorities. From there, we perform a risk assessment to determine how an unexpected event could affect your income and ability to operate a business. Our team then works to produce a strategy and recommendations that can safeguard you and the ones you love against financial stress caused by injury, illness, or loss of life. You can count on us to handle the application process, manage all paperwork and work directly with the insurer to set your policy in place. As your circumstances change, our advisers continually review your situation to ensure your policy still suits your needs and that you’re not overpaying for unnecessary cover.
As a local business rooted in community and family, we pride ourselves on putting our clients’ needs first, understanding that they have people who rely on them for security and stability. Our meticulous approach ensures that your policy is structured correctly from the onset, allowing you to enjoy peace of mind immediately. No matter what stage of the process we’re in, you can rely on us to provide hands-on support to secure the best result. Whether working out your strategy or liaising with doctors and lawyers throughout the claims process, we work tirelessly to follow through on our promise to you. This mindset is why we’re trusted by a range of industry professionals, business owners and everyday Australians to deliver comprehensive insurance solutions.
Who we help
How our process works
1. Discovery & risk identification
We take the time to understand your personal circumstances and priorities, as well as identify potential risks to income and business ownership.
2. Strategy & implementation
We provide clear, tailored advice on personal insurance solutions that help 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 policies that are no longer relevant.
PERSONAL INSURANCE
Your personal insurance experts
We take the time to understand your insurance needs and what would be most impacted if something unexpected happened. This allows us to recommend cover that protects all the most important aspects of your life in a way that actually makes sense for you.
What sets us apart is our level of involvement. We structure policies carefully from the start and stay across your cover as life changes, ensuring it remains appropriate and cost-effective. If you ever need to make a claim, we step in and manage the process on your behalf, so you’re not dealing with insurers, paperwork, and decisions during an already difficult time. Our role is to reduce risk, remove uncertainty, and support you when it matters most.
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 personal insurance services
Our team of experts works closely with you to determine the personal insurance cover that fits your situation. We review your work, lifestyle, health, dependents, financial commitments, and future goals. By identifying key risks and priorities, we recommend policies that provide meaningful protection, clarity, and confidence, without unnecessary complexity or cover you don’t need, at every stage of life’s journey.
There are many personal insurance options available in Australia to help protect against unexpected events. These include health, car, and home insurance, as well as personal risk covers. We specialise in advice on life insurance, total and permanent disability (TPD), income protection, and trauma insurance, ensuring your cover aligns with your needs and supports your long-term financial security and that of your family.
Personal insurance isn’t just for people in high-risk occupations. Anyone can experience illness, injury, or unexpected events that impact income and wellbeing. Regardless of your job or lifestyle, having appropriate cover helps protect you and your loved ones financially, providing peace of mind and support when life doesn’t go to plan, for every stage of your personal and professional life.
While personal injury insurance isn’t legally required for sole traders, it is strongly recommended. As a sole trader, your income depends on your ability to work. The right cover can help protect your earnings, lifestyle, and family if illness or injury occurs. Our advisers help tailor solutions that suit your business and personal needs now and into the future.
Personal indemnity insurance and personal liability insurance serve different purposes. Liability insurance generally covers physical injury or property damage suffered by third parties. Indemnity insurance, on the other hand, protects against financial loss arising from professional services, such as errors, omissions, poor advice, or negligence, helping safeguard your reputation and finances in complex professional and business situations.
Yes, you can start your personal insurance quote online quickly and easily. Simply click through to request a callback, and one of our experienced advisers will be in touch. We’ll discuss your needs, answer any questions, and provide clear guidance and a tailored quote, making the process smooth, efficient, and stress-free from start to finish for you 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.