Step 1 of 4
Start with the reasonPinpoint what changed.
Premium jumped, cover sits in super, or you're thinking of cancelling. Shahid starts with the exact reason you asked for the check.
You know what needs attention first.Life & Income Protection Premium Review
Check what you'd lose before changing cover.
A short broker-led premium check so you can see what you're covered for now, what's changed in your premiums, and what to look at before you cancel, cut back or switch.
Takes about 2 minutes. Only basic cover status, reason and contact details. No medical or financial questions.
Before you change anything
Your 15-minute premium check, step by step.
See what Shahid helps you clarify on the call: where the cover sits, what changed, and what to do next before you cancel, cut back or switch.
The result is not a quote or a decision. It is a simple next step based on what you already have and what changed.
Start the 2-minute checkThe first call is a starting point; fuller review is discussed only if it appears useful.
Real client voices
What working with Shahid feels like when things change.
Hear how real clients use Shahid as their first call when something changes with their cover, premiums or claims.
See client storiesAuto & marine mechanical
A Grade Auto & Marine client story
Craig talks about years of broker support and a straightforward insurance relationship with Insurance Time. Individual circumstances, eligibility, underwriting, PDS, TMD and policy terms still matter.Window tinting & vehicle protection
Mastertint Burleigh client story
Jack Jenkins describes claims, upgrades and policy changes feeling smoother with Shahid and the Insurance Time team. Individual experiences are not a promise of future cover, claim result or outcome.Questions before you start
Questions before you start?
Short answers to common questions before you start a life, TPD or income protection premium review.
Is the 15-minute premium check free, and am I obligated to change anything?
The first-step premium check is free and has no obligation to change anything. If deeper advice or implementation work becomes relevant, Insurance Time can explain fees, commissions, and next steps before you proceed.
Can you review cover I already have through super?
Yes. The review can start with life, TPD, or income protection cover held through super. If available, bring a super statement or insurance summary so ownership, premium, and cover details can be checked.
What if I am not sure what cover I currently have?
Choose Not sure in the form. The first call can help identify which documents or details are needed before any recommendation or quote process.
What should I have ready?
If available, have a renewal notice, policy schedule, premium notice, or super statement showing insurance details. Do not upload or send sensitive documents through this page.
Can you tell me whether to cancel, reduce, or switch on the first call?
No. The first call is a starting point only. Any personal recommendation about cancelling, reducing, replacing, or switching cover needs the right fact-find, advice process, eligibility checks, and policy review.
Is my information private?
Keep this form to basic contact and review-preference details only. Do not provide health, medical, claim, bank, super-login, income-specific details, policy-number, or identity information through public pages.
Ready to start?
Ready to start your premium check?
The form is short and non-sensitive. Start by answering the first question, then choose a 15-minute premium call or callback. A deeper review only comes up if it appears useful and you want to go further.
This first step does not provide personal advice, a quote, an underwriting assessment, or a recommendation. Cover and options depend on your circumstances, eligibility, underwriting, PDS, TMD, insurer terms, and policy terms.