prepare
PNOlife
protect
prosper
PNOlife provides specialist Income Protection and Life Insurance
advice for individuals, families and business owners.
services
income protection
Income Protection enables you to insure up to a maximum of 75% of your insurable income. The insured amount is paid to you monthly in the event that you are unable to work due to illness or injury. This form of cover allows you to manage your financial commitments, such as mortgage, family and lifestyle requirements whilst unable to work.
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Life insurance provides a lump sum benefit to your beneficiary or estate in the event of your death. It allows the nominated beneficiary to clear or reduce debt and may provide ongoing financial support to the surviving spouse and children in the event of a loved ones passing.
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trauma
Trauma or Critical Illness Insurance is paid as a lump sum if you are diagnosed with one of the listed major or life threatening diseases provided by the insurer. Approximately 40-50 major diseases are covered under this form of cover, with a large majority of claims coming from Heat Attack, Stroke and Cancer. The form of cover allows you to clear or reduce debt, pay for expert medical treatment and allow for a more stress free recovery with less financial concerns.
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TPD
Total and Permanent Disability (TPD) is paid as a lump sum if you cannot ever work again. Definitions of disability can be occupation specific (such as your Own Occupation) or general in nature (Any Occupation). This form of cover allows you to clear or reduce debt and may provide ongoing financial support for you and your loved ones.
buy - sell
Buy - Sell Insurance pays a lump sum if a business partner exits the business due to a trigger event such as death or permanent disability. The lump sum paid to the business partner or the beneficiary is generally based on their share of the business and should be supported by a legal agreement between the business partners.
general
PNO can also assist with the full range of general insurance policies that you might need. Our large team has varied expertise to advise you on everything from homes, cars and small business insurance right up to the complex needs of global and ASX listed corporates.
executives
miguel frances director
Miguel is one of the founding partners of PNOlife and started his career as an Insurance Adviser in 2004. Since this time, Miguel has worked for a number of reputable Melbourne based advisory firms before commencing his own practice in 2010. He is a member of the Financial Advice Association Australia (FAAA) and has served on the Board of Advice for one of the leading Risk Insurance companies in the Australian market.
Miguel has forged long term relationships with clients and within the industry, focusing on quality advice through his friendly and professional approach. Miguel ensures families and business owners understand how best to protect themselves in the event of illness, injury or death
anthony bourke director
Anthony is an accredited Life Insurance Adviser with over 20 years’ experience and is a founding partner of PNOlife. His philosophy is to minimise the financial risk for his clients through the implementation of well-structured and comprehensive insurance policies.
Anthony holds a Bachelor of Business, Diploma of Financial Services (Financial Planning), is a member of the Financial Advice Association Australia (FAAA) and the Tax Practitioners Board. Prior to establishing PNOlife, Anthony worked in administration, para-planning and advisory roles. Anthony then held Senior Risk Adviser roles with the ANZ Private Bank and was a Director at Anchor Advisory.
PNOlife is a leader in the Income Protection and Life Insurance advice sector protecting over 1,400 clients Australia wide.
The executives within PNOlife have over 50 years of collective experience, working directly with clients and other professional service firms to deliver superior client outcomes in the provision of Insurance advice, service and claims management
about us
The following values drive PNOlife's decision-making process and how PNOlife conducts business.
integrity
We are trustworthy and fair people who treat others with respect and dignity. We think before we act. We review the impact of policies with great consideration and ensure it’s the right course of action on every occasion.
professionalism
The quality of advice, responsiveness and attention to detail is paramount at PNOlife.
teamwork
Knowledge is power and collective business experience combined with technical industry expertise makes for an unbeatable team
service excellence
We aim to consistently deliver above and beyond client expectations. We are responsive and deliver in a timely manner to enable clients to make important and considered decisions.
enjoyment in what we do
We enjoy longstanding relationships we build with our clients, joint venture partners and the insurers we work with.
We enjoy learning about our clients’ businesses.
We’re passionate about delivering good advice and being there for them when “it” happens.
We enjoy working as a great team.
values
PNOlife offers a personalised and professional service to ensure our clients are comfortable knowing they will be financially protected when it matters most. As privately owned and independent Insurance advisers, we have access to the entire marketplace to ensure your income, debt and lifestyle commitments are protected by appropriate Insurance solutions.
why PNOlife
insurers
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ABN 40 156 250 565
AFSL 439065
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