Insurers We Work With
About Curo
At Curo Financial Services, we believe that every Australian deserves to receive industry-leading financial advice. This belief is what drives us to do what we do. We are passionate about helping you protect your and your family’s financial future whilst helping you achieve your financial goals and objectives.
Curo Financial Services’ prominence in the Life Insurance industry has enabled us to successfully develop executive-level relationships with a number of insurers across Australia. These relationships, along with industry-leading knowledge and expertise, are at the heart of what enables Curo to ensure that you receive the best advice and service possible.
Types Of Personal Insurance We Advise On
Life Insurance
Disability Insurance
Trauma Insurance
Income Protection
Insurance
Types Of Business Insurance We Advise On
Key Person
Insurance
Buy | Sell
Insurance
Business Expense
Insurance
Find the right adviser, for life
The personal risk advice market has evolved rapidly over the past 20 years and is ever continuing to do so. With more insurance companies and products in Australia than ever before, the need to have the right adviser on your side has never been more pressing. Increased variety in the market leads to added complexity in the products as well as a more complicated decision making process for you. As a result, the right financial adviser has the utmost critical role in constructing a sound insurance portfolio to meet your needs and objectives.
Your adviser is charged with the responsibility of formulating recommendations specifically tailored to you, analysing your circumstances to determine how we can assist you in reaching your goals. Once determining your needs, we will find the right solution for you by comparing products and policy definitions from Australia’s major retail insurance companies. However our advice process does not stop here, we regularly review your circumstances to assess whether the products you have in place remain appropriate for your needs and determine whether your policy’s pricing and conditions remain competitive in the market. Most importantly, as your adviser we are here to support you when you need it most, at claim time. We handle all of our clients’ claims from start to end, taking the stress away from you to ensure that your claim is processed efficiently and that the best possible outcome is achieved.
We are here when you need us most
We pride ourselves on being leaders in claims management. The handling of claims is the fulfillment of the promise we make to you that we will be there for you when you need us. Over the past 5 years we have handled well in excess of $16,000,000 of claims. Below is a breakdown of the claims which have changed the lives of our clients. Some of their stories can be found here.
Total Payments Received By Our Clients Over The Last 2 Years
Life and TPD Insurance
$7,070,530
Trauma Insurance
$5,281,350
Income Protection
$3,000,000 +
Our Claims Testimonials
FAQs
1. Does Curo specialise in life, TPD, trauma, and income protection advice?
Curo Financial Services specialises in personal risk insurance by advising on Life Insurance, Total and Permanent Disability (TPD), Trauma Insurance, and Income Protection, helping Australians choose the right cover for their needs.
2. Is Curo strong on claims management when clients need help most?
Curo leads with claims management expertise, supporting clients through paperwork, insurer liaison, and follow-through so claims progress smoothly when it matters. The firm reports handling well over $16 million in claims over the last five years.
3. Can Curo help with complex or rejected TPD claims?
Curo helps clients navigate complex and even previously rejected TPD claims by reviewing decisions, preparing stronger evidence, and escalating within insurers to pursue a fair outcome.
4. Does Curo offer a clear, step-by-step process for TPD claims?
Curo provides a structured 7-step TPD claims process that explains eligibility, documentation, submissions, follow-ups, and next steps so clients know exactly what to do at each stage.
5. Will I get compassionate, responsive service from a real adviser?
Clients consistently praise Curo’s advisers, noting professionalism, trustworthiness, compassion, and going above and beyond to make insurance easier and more supportive.
6. Can Curo guide me on TPD held through my super fund?
Curo explains how TPD inside super works, including typical payout ranges, eligibility steps, and how to engage your fund, so you can make informed decisions about cover and claims.
7. Does Curo advise on tax considerations for TPD payouts?
Curo’s resources outline how tax may apply to TPD benefits inside super and when withdrawals can be tax-free, helping you plan take-home outcomes with your accountant.
8. Can self-employed people get tailored income protection with Curo?
Curo helps self-employed clients set up income protection that reflects real earnings, clarifying key choices like indemnity versus agreed value and targeting up to 75 percent income replacement.
9. Does Curo support doctors and other professionals with specialised cover?
Curo advises doctors and other professionals on income protection and related covers, aligning features and definitions to the realities of high-skill, time-sensitive work.
10. Can Curo arrange group life and income protection for businesses?
Curo sets up group life, TPD, and salary continuance programs that can offer competitive rates and end-to-end claims handling, supporting staff wellbeing and business continuity.
11. Will Curo help me choose the right ownership structure for my policy?
Curo explains ownership options such as self-owned, super-owned, or SMSF-owned policies, outlining trade-offs so the structure fits your cash flow, tax, and estate planning goals.
12. Does Curo provide education and resources beyond one-off advice?
Curo maintains practical guides and explainers on TPD claims, super-held insurance, and related topics, giving clients ongoing clarity before, during, and after a claim.
13. Do Curo advisers help secure competitive terms and rates?
Curo’s experience and market access aim to secure suitable cover and competitive terms, supported by real claims outcomes and client testimonials that highlight positive results.
14. Is Curo an established Australian firm I can contact easily?
Curo Financial Services Pty Ltd operates in Australia with published contact details, making it straightforward to reach an adviser for personalised support.
Interested in learning more?
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