YOU GET THE REWARDS,
WE GET THE AWARDS.

That’s mutually beneficial life insurance.

At PPS Mutual we provide specialist life insurance for professionals.
But that’s not the only thing that makes us attractive to clients.

As a mutual, we don’t have shareholders.
So, we share our profits with the people that matter most, our policyholders.
And that also means big rewards for our accredited advisers.

THE REWARDS

Professional clients can only access our life insurance through a limited number of accredited advisers. Why not join them and reap the rewards of exclusivity?

1

Increase in demand.

As the sole avenue of access to our policies, our accredited advisers benefit from increased business from the highly lucrative professional market.

2

Higher-value clients.

Our unique offer for professionals helps our advisers attract clients’ with higher and more consistent incomes resulting in higher premiums.

3

Increased referrals.

Accredited advisers actively see an increase in referrals as professional clients share the benefits of our Profit-Share model with their colleagues.

4

Stronger client relationships.

Client Profit-Share Accounts grow year on year, so our accredited advisers benefit from long-term relationships and low lapse rates.

5

More attentive service.

By limiting our distribution, we simply have more time to dedicate to our advisers and their clients. And that inevitably means a more personal and efficient experience.

PPS Mutual’s unique mutual model and tailored insurance proposition, is showing strong appeal amongst our medical professional clients. So much so, that we are seeing these clients becoming advocates of their own insurance. One radiographer PPS Mutual client, turned into four new PPS Mutual clients as a result of recommending their colleagues contact us. 

PPS Mutual’s specialist insurance cover and Profit-Share proposition is therefore not only an offering that can benefit Australian professionals, but our business too.

Daniel Ellis

Financial Adviser, Carrick Aland Wealth Planning

GROWTH IN PROFIT-SHARE ASSIGNMENTS POOL

$100,112

2017

$386,258

2018

$750,023

2019

$1,251,873

2020

$1,803,006

2021

THE AWARDS

It’s not only professional clients that recognise the value of our proposition. In 2021 we picked up the prestigious Plan for Life/AFA Risk Product Innovation Award and were finalists in four other categories.

WHAT MAKES US A WINNER

As a mutual, the best interests of your clients and PPS Mutual are always aligned.

Profits shared

At the heart of our mutuality is the belief that every professional we insure is a Member who is entitled to share in the profits of the insurance that they buy.

No-upfront discounts

We don’t lure in new clients with discounts and then increase premiums in subsequent years. Our pricing is consistent and fair for both new and existing members.

Discounts applied to all

When we discount our premiums, every member benefits not just new clients. We don’t offer discounts to new clients to grow our market share.

Phased premium increase

Sometimes the industry needs to increase premiums. However, we’re the only provider that phases in increases to minimise the impact on members.

PPS Mutual and the profit share offering have been a breath of fresh air in the life insurance industry. It provides great peace of mind as an adviser recommending their products that the business is centred around member service/benefits.

Every other insurer in the market has the competing interests of delivering shareholder returns and/or client service. These interests aren’t always aligned and we know which comes first in shareholder owned companies. It will be a great pleasure when clients get to the end of their insurance journey being able to return their profit share accounts.

Mark Mullins

Director, Hood Sweeney Securities Pty Ltd

DON’T BE JUST ANOTHER FINANCIAL ADVISER.

Professional clients can only access our life insurance through a limited number of accredited advisers. Why not join them and set your advice apart from the competition?

Become an accredited adviser

There are 19,000 financial advisers in Australia but only 1014 are PPS Mutual accredited and can offer professional clients our unique profit-share life insurance.

Become number 1015 and reap the rewards of exclusivity.