Know exactly what your life or income cover does — before you change or cancel it.

A free 15–20 minute phone call with Shahid. He either explains exactly what your current policy covers in plain English, or looks at whether a more competitive premium with comparable terms may exist for you. Either way, you finish clearer than you started.

Australians whose premium has jumped, whose cover sits inside or outside super, who hold an old bank, adviser or employer policy, or who are close to cancelling, cutting back or switching and want to understand what they have first.

Often there is something worth looking at — it is a very competitive industry and Insurance Time has broker access to a wide range of Australian insurers. Whether a better option exists for you depends on your circumstances, eligibility, underwriting and policy terms, which is exactly what the call starts to work out.

Because a replacement policy is underwritten again, which means new terms — especially if your health, work or circumstances have changed since the original cover started. Cancelling first and checking later is the order that creates regret.

No. The first call is clarity first. Any recommendation about cancelling, reducing, replacing, switching or buying cover only happens later inside the proper advice process, if you want it.

Shahid Mohammad, the principal broker, at the time you choose on the next screen. Ali and the team handle the setup so Shahid has your broad context before he dials.

You talk through what triggered the check — the premium jump, the super statement, the old policy or the cancel urge. Shahid explains what your cover appears to be and what would be worth checking before you change anything.

Nothing. If a renewal letter, policy schedule or super statement is nearby it helps, but you can start without documents and fill gaps later. Keep those details for the private call, not this public page.

If a deeper review looks useful, Shahid explains the proper advice process and you decide. If not, you walk away understanding your current cover and the questions to ask — and that is a fine outcome.

The premium check call is complimentary. If you later choose changes through the advice process, any costs or commissions are explained clearly before anything happens. No surprises is the point of the call.

Yes, because the job of the first call is narrow: understand what you appear to have, what may change if you cancel or switch, and what the next sensible question is. That fits in 15–20 minutes.

Then you have lost nothing except 15–20 minutes, and you still leave understanding your current policy better. If a better-suited option does exist, that is a lot to gain for one short call.

You go straight to the booking page to choose a time for the 15–20 minute Shahid phone call. If the calendar does not suit, Insurance Time can still follow up manually using the details you submitted.

Maybe. Default super cover can be useful, but it can also be lower than expected, duplicated, age-limited, or end when an account goes inactive. The question is not whether it exists — it is what it actually does.

Good — now check whether cheaper is actually comparable. Definitions, waiting periods, benefit periods, exclusions, ownership and underwriting can all differ behind a lower price. That comparison is exactly what to bring to the call.

That is one of the best reasons to check. Old cover may still matter, and replacing or cancelling it blindly can cost you terms you would not get underwritten for today.

Most responsible adults can't — especially cover inside super. That is not a you problem; it is how the documents are written. The call is plain English, no jargon, no judgement.

Yes. If you cannot work, there is no employer sick leave to fall back on, so income protection is often the cover most worth understanding. The same premium check conversation covers it.

No. Insurance Time is a broker with access to a wide range of reputable Australian insurers, which is what makes a genuine premium comparison possible in the first place.

No. The page and first call are general information and triage only. Quotes, personal advice or recommendations only happen inside the proper advice process with full details and documents.

Full name, phone, email and two broad multiple-choice answers — nothing else. Do not enter health, claim, bank, super-login, identity, policy-number, underwriting, detailed income or private cover details on this public page.

Doing nothing is also a decision. Premiums keep moving, super rules and age limits keep applying, and the renewal letter comes around again. If your premium has already jumped, this is the moment you would otherwise forget.