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Simple cover to help you safeguard your family, manage costs, and stay prepared for life’s unexpected events.
Life can change in an instant. Personal insurance helps protect your family, your money, and your future.
Before you apply, take a close look at the Product Disclosure Statement. It explains everything — what’s covered, what’s excluded, how the claims process works, and whether there are any waiting periods or limits. This helps you make a clear, informed choice before committing.
Every insurance policy has its own eligibility criteria and policy exclusions. That might include age limits, health checks, or conditions that aren’t covered. These details are important — especially if you plan to claim online or need fast access to benefits during a tough time. Knowing the rules now avoids frustration later.
Think about what kind of cover fits your life. Are you protecting your income? Covering debts? Leaving something for your loved ones? Do you need a policy that pays a lump sum or one that offers ongoing support? The right insurance isn’t just about cost — it’s about what you need it to do when it matters.
Curious about why Better Financial Tomorrow should be your choice?
Choose to pay monthly, yearly, or in instalments. We help you manage your cover in a way that fits your budget and cash flow.
No hidden fees, confusing terms, or fine print. You’ll see all costs, exclusions, and eligibility upfront so you can make informed decisions.
Make a claim online or over the phone with support every step of the way. We keep things simple so you can focus on what matters.
Our policies are designed to give you the support you need, from a provider you can trust, when life throws a curveball.
Personal insurance is about more than covering costs — it’s about protecting the people who rely on you. If something happens to you, the last thing your family should worry about is money. Insurance provides a financial buffer that can help cover day-to-day expenses, bills, debts, and future plans if you’re no longer around or unable to work.
Unexpected events like serious illness, injury, or death can hit hard and fast. Without cover, your savings may not be enough. Insurance gives your family time and support to get through the worst — to grieve, recover, and move forward without added financial pressure. It’s one of the simplest ways to plan ahead for life’s biggest risks.
You don’t need to be wealthy to benefit from insurance. Whether you’re paying off a mortgage, raising kids, or just trying to stay on top of living expenses, personal insurance can help protect everything you’ve built. It gives you peace of mind, knowing that if the worst happens, your family won’t be left to face it alone.
You’ve got options when it comes to payments. You can choose to pay monthly, annually, or through instalments — whatever suits your budget and financial flow. Monthly payments can make it easier to manage costs over time, while paying a one-off lump sum for the year may help you avoid ongoing transaction fees.
Before you buy, you’ll see the full cost up front. That includes premiums payable, any extra costs, and the total amount due based on your chosen cover. You won’t be locked into anything unexpected, and everything is clearly outlined. We make it easy to compare and understand what you’re paying for.
Life changes, and your policy can too. You can often make minor adjustments if your needs shift — like increasing your cover or changing how often you pay. This keeps your insurance working for you, not the other way around. You stay flexible and in control, no matter what life throws your way.
Bonnie
nathan galea
As someone who easily gets frustrated and confused with paper work code made the whole process much easier than previous experiences.Clyde is a wealth of knowledge and and legitimately wants to see you succeed and he knows how to get you there. Would definitely recommend to anyone.
GAYNA
Clyde has been so helpful, from the moment we first met him. My husband and I are so appreciative of Clyde's willingness to assist - he has seen us outside of office hours multiple times, to ensure we can get his expert input and support.
Having never bought a property before, we had no idea what was involved with the process, and Clyde has always made himself available to answer our questions.
I have recommended him to my friends, and will continue to do so!
Nicholas
I came to Clyde wanting to buy a property and he pointed me in the right direction. 6 months later and I have bought my first investment property, Couldn't be happier. Great service, great person and always wears his smile
EMMa
Bonnie
nathan galea
As someone who easily gets frustrated and confused with paper work code made the whole process much easier than previous experiences.Clyde is a wealth of knowledge and and legitimately wants to see you succeed and he knows how to get you there. Would definitely recommend to anyone.
GAYNA
Clyde has been so helpful, from the moment we first met him. My husband and I are so appreciative of Clyde's willingness to assist - he has seen us outside of office hours multiple times, to ensure we can get his expert input and support.
Having never bought a property before, we had no idea what was involved with the process, and Clyde has always made himself available to answer our questions.
I have recommended him to my friends, and will continue to do so!
Nicholas
I came to Clyde wanting to buy a property and he pointed me in the right direction. 6 months later and I have bought my first investment property, Couldn't be happier. Great service, great person and always wears his smile
EMMa
We offer cover for life insurance, total and permanent disability, and serious illness or injury. These policies are designed to provide financial support when you or your family need it most.
It depends on your income, debts, and who relies on you. A good starting point is to consider your mortgage, living costs, future expenses (like education), and how long your family would need support.
Yes. You can choose to pay monthly, in instalments, or as one annual lump sum. We’ll show you all payment options up front, including any transaction fees or extra costs.
Premiums are the payments you make to keep your insurance active. The total amount depends on your age, health, level of cover, and chosen payment schedule.
Yes, but check your PDS for any specific conditions or timeframes. You might be entitled to a refund on unused premiums, depending on how long the policy has been active.
Right from the beginning, Clyde at Better Financial Tomorrow has been a great help, his advice & professionalism is 2nd to none. We would highly recommend Clyde without hesitation. Do... Read more
Phil CroweClyde at Better Financial Tomorrow is both friendly and extremely knowledgable on so many aspects of finance. He has arranged mortgages for us and helped us purchase our first investment... Read more
Ian HayesWe are almost at the end of finalising our first home purchase. Up until this point, all I can say is Clyde has been there every step of the way.... Read more
Kaylie JaneClyde is professional and responsive and good value. He is a good broker and adviser.
Yellow Brick Road GladesvilleClyde has been very professional and effective in assisting my husband and myself with our financing
Jacki