Trusted Claims Advocacy Partner for Financial Planners.
VIP Life Claims provides specialist TPD, Trauma and Income Protection claim support for financial advisers across Australia. We manage every step of your clients’ insurance claims, ensuring accuracy, speed and transparency while you remain their trusted adviser.
Based in Australia, supporting Advisers nationwide.
Why Choose VIP Life Claims?
- Deep expertise in TPD & Trauma claims, over 25 years of experience:
Your clients’ claims aren’t handled by juniors, generalists or lawyers who don’t understand insurance. With decades of real industry experience, we know policy wording, insurer processes and superannuation frameworks inside-out. This means faster, cleaner, more accurate claims, and better outcomes for your clients.
- Client-first approach:
We keep things simple for you and seamless for your clients. We take on the stress, paperwork and insurer chasing, while you remain the primary trusted adviser. Your client stays your client; we simply support the advice relationship you’ve already built.
- Long-standing track record:
VIP Life Claims is already trusted by advisers who want a specialist handling complex or time-heavy claims. Our professionalism reflects positively on your practice, helping strengthen loyalty, reduce churn and generate confident referrals.
- Compliance & transparency:
We understand the regulatory environment you operate in. Our process is fully transparent, our communication is clean and compliant, and any referral arrangements are structured ethically and disclosed appropriately. We make referrals safe, simple and stress-free for advisers.
Save Time
Earn More
Grow Faster
Friendly Support
Who we are.
VIP Life Claims is a dedicated personal insurance claims-advocacy and administration service, created to support Australians facing illness, injury or major life events. We specialise solely in TPD, Trauma and Income Protection insurance claims, guiding your clients through paperwork, evidence gathering, insurer correspondence and claim lodgement from start to finish.
Unlike legal firms - who often charge excessive fees and lack specialised understanding of the insurance and superannuation environment, we don’t provide legal advice, because you do not need a lawyer to run a successful TPD or personal insurance claim. Most law firms are not trained or qualified in policy structure, insurer processes, superannuation fund requirements or claims administration, which frequently results in unnecessary delays, documentation errors and inflated costs for clients.
Our sole focus is claims. We understand the industry from the inside, and we know exactly how insurers and funds operate. By removing the legal middleman, we eliminate the stress, confusion and long wait times clients often experience, allowing them to focus on their health while we focus entirely on securing the best possible outcome.
What sets us apart is our deep roots in the industry. With over 25 years of hands-on experience in the financial services sector, we understand the intricacies of policy wording, insurer assessment frameworks, superannuation rules, compliance pathways and the emotional reality clients face during the claims process. We’ve seen the system from every angle - and that insight allows us to anticipate issues early, communicate clearly and deliver smoother, more successful outcomes.
Working on a No Win, No Fee basis and supported by a strong history of successful claims, VIP Life Claims exists to deliver clarity, confidence and real support when people need it most. For Advisers, we operate as a trusted extension of your service; for clients, we are the steady hand throughout their claim journey.
Most importantly:
We work for you and for your client.
We do
not take ownership of the client relationship.
We do
not interfere with your advice.
Your client stays
your client — always.
Our role is simple: provide specialist claims support that strengthens the trust and value you have already built.
VIP Claims adheres to all relevant compliance and disclosure requirements. We manage all claims transparently, maintain strict client confidentiality, and ensure any referral incentives provided align with regulatory standards.
Common Questions from Advisers.
- Q: What are the costs to my client / me?
A: VIP charges no upfront fees to clients - cost is recovered only if claim is successful. Referral incentives for advisers are handled internally and disclosed as per regulation. - Q: How long does typical TPD/Trauma claims process take?
A: Varies by insurer/policy - but we aim to lodge ASAP, follow up diligently, and keep you updated throughout, every step of the way. - Q: Do you handle sensitive client information securely?
A: Yes - VIP complies with all applicable privacy regulations. Client data is stored securely and only used for claim processing. - Q: Can I refer multiple clients? Is there a limit?
A: There’s no limit - you can refer as many eligible clients as you like; each referral is treated individually.
Benefits to Advisers.
01
Strengthen client loyalty.
A smooth claim experience builds deeper trust in your advice. By giving your clients access to a specialist claims partner, you show them you’re there through the entire journey, not just when the policy is set up. This strengthens long-term loyalty and reinforces the value of your advice relationship.
02
Enhance your professional reputation.
Advisers who partner with a high-quality claims service stand out as thorough, client-centred and proactive. When clients see that you’ve connected them with a specialist who genuinely supports them in tough times, it elevates your credibility and reflects directly on your professionalism.
03
Generate passive, compliant income.
Through transparent and compliant referral arrangements, you can create additional revenue without adding to your workload. Our service enhances your value proposition, strengthens retention and opens the door to more referred business, all while we do the heavy lifting behind the scenes.
04
Save time and reduce liability and risk.
Claims are technical, time-heavy and often frustrating for advisers. We take responsibility for documentation, insurer follow-up and evidence gathering, reducing your admin load and minimising the risk of errors. You regain valuable time in your business while your client receives specialist-level care.
What types of Clients we can work with.
- Clients with TPD, Trauma or Income Protection insurance.
Individuals who may qualify for benefits due to illness, injury or permanent incapacity and need specialist guidance through the claims process. - Clients experiencing workplace injury, illness or major life events.
People who are overwhelmed, unwell, or unsure how to navigate insurer requirements, medical evidence and superannuation fund processes.
- Clients who value privacy, professionalism and maximum claim outcomes.
Those who want a dedicated claims specialist handling their case with accuracy, discretion and clear communication, ensuring the strongest possible claim. - Clients who need support beyond what an adviser can realistically manage.
Individuals whose claims require extensive paperwork, insurer negotiations, or detailed medical documentation that can place unnecessary strain on an advice practice.
How It Works.
Simple 3 Step Referral Process.
