Orbital Life

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Sydney, NSW
Orbital Life

Real people helping you protect what matters most.

We provide coverage options; life insurance, trauma insurance, TPD insurance, income protection, key person insurance, and buy/sell insurance.

24/02/2026

Most insurance advice focuses on the cover.

The real test comes at claim time.

At Orbital Life, we believe the best advice starts by working backwards from the outcome that matters most – the claim. By planning with the claim in mind, we help our clients avoid small oversights that can lead to big consequences when it matters most.

That’s why our approach is simple and deliberate:

Planning for the claim, not just the cover.

12/12/2025

Orbital Life is growing and we’re excited to share some role changes within our team that reflect the momentum of the business and the evolving needs of our clients.

· Charlotte Brine has stepped into the role of Head of Operations
· Rachel Fanto is now Head of Sales & Marketing

These changes strengthen our ability to deliver high quality advice with a claims-first mindset and create space for the next chapter of the business.

We’re also looking for an experienced life insurance adviser to join our team. The ideal candidate will bring strong knowledge of the industry and a genuine commitment to helping clients protect what matters most. You will be supported by a capable admin team, enjoy a flexible and positive office culture, and have access to significant growth opportunities.

Orbital Life is a specialist life insurance advisory firm that partners with individuals and businesses to provide tailored, strategic advice and hands-on support throughout the lifecycle of a policy, from application to claim.

If this sounds like the right opportunity for you, reach out to Rachel directly on [email protected]

09/12/2025

Every holiday season brings joy, connection and a little extra pressure. Data shows the months after Christmas can bring higher rates of major life changes from relationship shifts to health scares.

This means that now might be a sensible moment to review your insurance, update beneficiaries or tidy up your life admin.

Orbital Life can help you start the new year with clarity and confidence. Our office will be closed 22 Dec - 2 Jan, and we're available for you through the holidays in case of anything urgent on 1300 251 898 or [email protected].

19/11/2025

Don’t be someone else’s case study!

Too often, we see families and business owners dealing with the fallout of poor or outdated estate planning that turns private grief into public disputes.

That’s why we spoke with Maryanne Pollifrone, Special Counsel at Hitch Advisory, about how to make sure your wishes are clear, your assets are protected and your loved ones aren’t left untangling uncertainty.

From wills and trusts to enduring powers of attorney, Maryanne explains how legal structures and insurance work best together to safeguard your family’s future.

As Maryanne says, “You’ve gone to the effort of getting insurance so there’s liquidity. Now let’s provide asset protection for those funds.”

Read the full article to understand why estate and succession planning isn’t just for later, it’s for right now:

👉 https://www.orbitallife.com.au/succession-estate-planning/

27/10/2025

When economic uncertainty hits, your insurance may matter more than ever.

In times of tightening belts and slowing growth, it’s tempting to cut corners, even on life insurance. But what if this is precisely the moment your cover should stay in place or even be strengthened?

Senior Risk Adviser Brad Berman explains how families and business owners can stay protected when financial pressure builds. From preserving low premiums to safeguarding your business or income if things go off course, this is about more than premiums, it’s about peace of mind.

👉 https://www.orbitallife.com.au/insurance-during-economic-uncertainty/

14/07/2025

What happens to your business if one partner can’t continue?

Buy sell agreements are one of the most effective – and overlooked – ways to protect a business and its people in the event of death, disability or other disruption.

In our latest article, we team up with legal partner Hitch Advisory to unpack the fundamentals of buy sell structures, including:

✅ A practical example of how it works
✅ Why insurance is key to making it effective
✅ Structuring and valuation tips
✅ Common pitfalls and how to avoid them

Whether you're starting out or scaling up, it pays to plan for the ‘what if’.

🔗 Read the full article: https://www.orbitallife.com.au/getting-the-basics-of-buy-sell-right

24/06/2025

No one plans to get sick or injured. But when the unexpected happens, being prepared can make a stressful situation a little more manageable. At Orbital Life, we’ve seen firsthand how preparation – and the right support – can make a big difference in the outcome of a life insurance claim.

Our insurance claims checklist walks you through what to do before and after a claim event:

https://www.orbitallife.com.au/when-life-happens-your-insurance-claims-checklist/

And remember, we’re here to help so if you have any questions, please call us on 1300 251 898.

07/05/2025

We’re so pleased to welcome Orbital Life’s Client Services Manager Charlotte Brine back to our Sydney office in a full-time capacity after working for Orbital from the UK part-time for the past few years. Charlotte and her family were spending precious family time in the UK after the birth of their first son Zion. We hope you and your family are enjoying being back in Australia, Charlotte – we’re happy to have you.

15/04/2025

We recently came across this article about a woman facing cancer that received a significantly less insurance payout than she thought she would be entitled to. Now she’s fighting for her life but also trying to find the energy and capacity to deal with the complexities of her insurance claim as well. Super Consumers Australia’s Pulse surgery found that default insurance cover in super has left many Australians paying for insurance they don’t know about or don’t understand. More than a quarter of people are either unsure if they have insurance or don’t know what their policies are, and it’s only at claim time that people realise they don’t have a policy that protects them.

https://www.abc.net.au/news/2025-03-27/default-superannuation-insurance-tpd-income-protection-claims/105075110

02/04/2025

Most business owners have heard of key person insurance. Fewer understand just how critical it is – it is not enough to just to have a policy in place, but critical to have the right policy, structured with precision. According to Brad Berman, Senior Risk Adviser at Orbital Life in Sydney, the real risk isn’t just the sudden loss of a key contributor – it’s how badly that risk is often miscalculated.

Learn more: https://www.orbitallife.com.au/key-person-insurance-getting-the-calculation-right/

06/03/2025

**In case you missed it** Do you want to partner with your partner’s partner?

Most people who go into business together do it because they work well together. Maybe it started with a great idea, or exceptional service, and it evolved into a strong partnership, with a commitment not dissimilar to a marriage. But what happens if something happens to one of you? No one wants to think about their business partner or themselves being unable to work or worse. Putting your head in the sand isn’t going to help solve this problem – it will just leave the business and families to try and pick up the pieces. Buy-sell insurance, as part of your broader succession strategy for the business, can help to prevent this exact scenario – as long as you have your plan in place before you need to action it. Learn more: https://www.orbitallife.com.au/partners-partner-buy-sell-insurance/

Address

Level 9, 31 Market Street
Sydney, NSW
2000

Website

https://www.orbitallife.com.au/

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