Our Philosophy

There is no 'i' in team - your insurance functions best when there is a team effort

Life is a journey and along the way we are exposed to many risks that effect ourselves and those who depend upon us. iQ's insurance philosophy is that we all need to identify the risks that we are exposed to, then quantify (if possible) any potential financial losses that could arise from those risks and finally adopt an appropriate strategy to manage those risks. Risk management strategies can vary from:

Risk minimisation

Living a healthier lifestyle i.e. through taking personal actions such as eating healthier, exercising more, reducing alcohol/tobacco intake, reducing stress in your daily life and most importantly having regular medical check ups with your own GP.

Risk retention

Accepting our frailty and taking responsibility for life's inevitabilities. Acknowledging our own mortality and vulnerability we can make sure that our personal affairs are in order – ie by having a valid up to date will, keeping personal information & documentation secure and ensuring that our personal legal representative is fully aware of our current situation.

Risk transfer

When the financial consequences of an unforeseen event (such as a premature death, a major health trauma, loss of income due to a long term accident or illness) are significant a wise strategy is to transfer that risk (if possible) to a third party - usually an insurer. The premium that you pay is the price for you and your dependents "peace of mind" knowing that you are covered financially against life's unforeseen events.

We believe

Insurance is a necessity not a luxury as it secures your families well being. Self insurance is only for the foolhardy or the very rich. It's not just about insuring the bread winner.

Families function best when there is a team effort, the same applies to insurance.

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Insurers we work with:

  • AIA
  • AMP
  • Asteron
  • CommInsure
  • Macquarie
  • MLC
  • OnePath
  • TAL
  • Zurich

Want to know more about what we do and what we value when you deal with us?