Life Insurance Australia :: Privacy

Life Insurance Australia Privacy Statement

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This is the privacy policy statement for Life Insurance Australia and Clark Family Pty Ltd in relation to this website.

We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose, and protect your personal information when you use our website and related services.

Information We Collect and How It is Used

To process your financial services referral request, Life Insurance Australia may collect your name, phone number, email address, postcode, and other details relevant to the type of service you are requesting.

This information is used to match you with a suitable financial services provider or lender. Life Insurance Australia, on behalf of Clark Family Pty Ltd, provides this information to one (and only one) of our trusted network of third-party partners (brokers, lenders, and insurers) so that they can contact you directly and provide the services you have requested.

We may also receive information from our broker, insurer, and lender partners, including updates or outcomes of your application, via secure electronic systems or APIs. This information is used solely for customer service, quality assurance, and compliance reporting.

If you do not provide the personal information we request, we may not be able to assist you with your referral or process your inquiry.

Disclosure of Personal Information

We may disclose your personal information to third-party providers, brokers, lenders, or service partners, some of whom may be located outside Australia. Where this occurs, we will take reasonable steps to ensure that these recipients handle your information in accordance with the APPs and maintain confidentiality and data security.

We require all third-party partners to comply with strict privacy and confidentiality obligations and to use your personal information only for the purpose of responding to your inquiry or providing the services you have requested.

Please note: Once you are referred to a third-party provider, their own privacy policy and terms will apply to any information you provide directly to them.

Cookies and Tracking Technologies

Life Insurance Australia uses cookies to record session information and understand visitor interactions, including which pages are viewed. Cookies help us enhance system performance, improve user experience, and avoid showing you the same promotional material repeatedly.

We may also use third-party advertising or analytics services that employ cookies, pixels, or web beacons to measure ad performance and deliver relevant content. These partners may collect anonymous information about your visits to this and other websites.

By continuing to use our website, you consent to our use of cookies, including those from third-party providers, for analytics and marketing purposes.

Access and Correction of Personal Information

You may request access to the personal information we hold about you at any time. We will not charge any fee for making a request but may charge you reasonable costs incurred in providing access (e.g., photocopying or postage).

You may also request correction of your personal information if you believe it is inaccurate, out of date, incomplete, or misleading. We will respond to all access and correction requests within a reasonable timeframe.

To make a request, please contact us. We may ask you to submit your request in writing for security reasons.

Complaints and Dispute Resolution

If you have any concerns about how your personal information has been handled, please contact us so that we can investigate and resolve your concern promptly.

If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC):

Updates to This Policy

We regularly review and update our privacy policy to ensure ongoing compliance with applicable laws and best practices. Updates will be published on this page with the latest revision date.

Contact Us

If you have any questions about this privacy statement, how we handle your information, or your dealings with this website, please contact us.

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Life Insurance Articles

How to Review and Update Your Life Insurance Policy as Your Family Grows
How to Review and Update Your Life Insurance Policy as Your Family Grows
Life insurance is an essential safety net for families, providing financial security when it's needed the most. As your family grows, the importance of having a well-structured life insurance policy becomes even more critical. In the busy lives we lead today, it’s easy to overlook this crucial aspect of financial planning. However, ensuring your coverage meets your family's evolving needs is vital. - read more
How Pre-Existing Conditions Influence Life Insurance Premiums
How Pre-Existing Conditions Influence Life Insurance Premiums
When it comes to life insurance, a pre-existing condition refers to any medical condition or illness that you have been diagnosed with before applying for a life insurance policy. - read more
Top 5 Reasons to Consider Life Insurance While You're Young
Top 5 Reasons to Consider Life Insurance While You're Young
When you’re young, life is all about new experiences and making plans for a promising future. While factors like travel, career, and relationships often take centre stage, one aspect often overlooked is life insurance. It might seem like something to consider later in life, but starting a policy while you're young can be a savvy financial move. - read more
Understanding Life Insurance: How to Determine Coverage Amounts
Understanding Life Insurance: How to Determine Coverage Amounts
Life insurance is a cornerstone of financial planning, offering peace of mind to you and security for your loved ones. It's a contract between you and an insurance company: in exchange for regular premiums, the insurer agrees to pay a sum of money to designated beneficiaries upon your passing. This vital tool ensures that your family's financial needs can be met during an incredibly difficult time. - read more
Life After You: Planning Ahead With Quality Life Insurance for Your Family
Life After You: Planning Ahead With Quality Life Insurance for Your Family
Life insurance is a fundamental component of a robust financial plan, yet its significance is often underestimated. It serves as a safety net, ensuring that your loved ones are financially secure in the event of your absence. Understanding life insurance is the first step towards safeguarding your family’s future. - read more

Insurance News

HESTA Announces 12% Reduction in Insurance Fees for Members
HESTA Announces 12% Reduction in Insurance Fees for Members
19 May 2026: Paige Estritori
HESTA, a leading Australian superannuation fund, has unveiled a significant reduction in insurance fees, set to take effect from 1 July 2026. This initiative aims to make insurance coverage more accessible and affordable for its members, aligning with the fund's commitment to enhancing member benefits. - read more
AFCA Supports Insurer's Application of Offset Clause in Income Protection Case
AFCA Supports Insurer's Application of Offset Clause in Income Protection Case
19 May 2026: Paige Estritori
The Australian Financial Complaints Authority (AFCA) has recently ruled in favour of Nippon Life Insurance in a dispute concerning the application of an offset clause in an income protection (IP) claim. This decision underscores the critical importance of policyholders understanding the specific terms and conditions of their insurance policies. - read more
NEOS Elevates Income Protection with Increased Medical-Free Limits
NEOS Elevates Income Protection with Increased Medical-Free Limits
19 May 2026: Paige Estritori
NEOS has recently announced significant enhancements to its income protection offerings, effective from 11 March 2026. Responding to adviser feedback, the insurer has increased the maximum coverage available without mandatory medical examinations, aiming to simplify the application process for Australians seeking income protection insurance. - read more
High Court Decision Alters Liability Landscape for Marine Insurers
High Court Decision Alters Liability Landscape for Marine Insurers
19 May 2026: Paige Estritori
In a landmark decision, Australia's High Court has unanimously ruled that marine insurers cannot limit their liability for wreck removal and pollution clean-up claims. This ruling stems from the case involving Standard Club UK Ltd, the protection and indemnity (P&I) insurer for CSL Australia, following a 2022 collision at the Port of Devonport, Tasmania. - read more
QBE and Aurora Revolutionize Yacht P&I Insurance with Automation
QBE and Aurora Revolutionize Yacht P&I Insurance with Automation
19 May 2026: Paige Estritori
QBE, in collaboration with insurtech firm Aurora, has launched a fully automated underwriting system for Yacht Protection & Indemnity (P&I) insurance. This innovative platform streamlines the underwriting process, handling tasks from broker submissions to policy issuance without manual intervention. - read more

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Knowledgebase
Insurance Deductible:
That part of an insurance claim that must be paid by an insured person before the the balance is paid by the insurer.