PPS Mutual

PPS Mutual PPS Mutual provides tailor-made life insurance solutions, exclusively for the Australian Professional

PPS Mutual is Australia’s only retail life risk insurance mutual offering available to select professionals through financial advisers. It has partnered with PPS (SA), the world’s largest multi-disciplinary group of professionals, NobleOak Life Limited, which is an Australian Prudential Regulation Authority (APRA) regulated insurer and one of the world’s largest reinsurers.

01/06/2026

Ten years of putting Members first. Nine consecutive Profit-Shares. $55.8 million in claims paid. Lapse rates a third of the industry average.

A decade of proof that putting Members first works.

With a purpose-built offering for Australian professionals - including doctors, lawyers, engineers, dentists and others - PPS Mutual has:
🏅 Grown to 17,336 Members
🏅 Reached $131 million in in-force premiums
🏅 Paid $76 million in claims
🏅 And delivered nine consecutive years of Profit-Shares, sharing value back with Members

Alongside this has been strong adviser support, high retention rates, and a continued commitment to quality outcomes for professionals across Australia.

A decade on, and this approach continues to shape the business.

Join us as we celebrate 10 years of PPS Mutual in Australia!

Read more about our 10 years of putting Members first 🔗 https://www.ppsmutual.com.au/newsroom/news/ten-years-of-putting-members-first-pps-mutual-marks-a-decade-of-mutual-success-in-australia/

PPS Mutual have increased its mandatory medical testing thresholds.To simplify and accelerate the application process fo...
28/05/2026

PPS Mutual have increased its mandatory medical testing thresholds.

To simplify and accelerate the application process for life insurance with PPS Mutual, without compromising the integrity of the underwriting assessment, PPS Mutual have increased the mandatory medical testing threshold for all ages on:
• Income Protection (Prime 70 and Select) Insurance applications to $15,000 pm
• Life Insurance applications to $1,500,000
• TPD Insurance applications to $1,250,000.

We have also increased the mandatory medical testing threshold for all applicants on Life Insurance and TPD up to age 50 to $2,500,000.

For more information, please contact your local PPS Mutual Distribution Team Member here🔗 https://www.ppsmutual.com.au/advisers/adviser-contacts/?utm_source=LinkedIn&utm_medium=Organic_social&utm_campaign=Underwriting_Limits

25/05/2026

Behind every claim is a story - and often, a turning point.

As the winner of the 2026 PPS Mutual Advice Practice of the Year Award, Mark Everingham (Personal Risk Professionals) had the opportunity to speak at a recent Riskinfocus session, sharing a deeply personal reflection on how health events can reshape financial reality.

'At the age of 48, my father had a significant heart attack...he could never work again.'
- Mark Everingham, Personal Risk Professionals

What followed was not only a long recovery but also a complex, extended process to access insurance and superannuation benefits.

It’s a reminder that the impact of illness is rarely limited to health alone. It reaches into income, family stability, and long-term financial security.

For advisers, these moments reinforce the importance of clarity, structure and preparation well before a claim arises. So that when something does happen, the focus can be on recovery, not uncertainty.

Through the PPS Mutual Advice Practice of the Year Award, we recognise advisers who bring this level of care and perspective to their work.

If your practice reflects this standard, we encourage you to apply for next year's award.

Hear more insights from Mark 🔗
https://bit.ly/4mUNl0j

For engineers, applying structure to complex problems is second nature.And just as an engineer gives expert advice to a ...
21/05/2026

For engineers, applying structure to complex problems is second nature.

And just as an engineer gives expert advice to a client, a financial adviser provides guidance on which financial risks should be avoided, which should be accepted and which can be mitigated through insurance.

'A qualified adviser can help you apply this framework to your personal situation, clarify trade-offs, and ensure your decisions align with your broader financial goals and obligations.'
- Richard Hopwood, State Manager QLD, PPS Mutual

Insurance isn't just about having cover in place. It's about getting the right money to the right people at the right time. It's also about making sure people don't overcommit scarce cash flow to protect against risks they could comfortably absorb, while leaving themselves exposed to those they cannot.

Read more about how to manage financial risk 🔗 https://bit.ly/4u5XVUx

In Australia, attitudes toward risk are often shaped as much by culture as they are by logic.As explored by Marcus Engli...
19/05/2026

In Australia, attitudes toward risk are often shaped as much by culture as they are by logic.

As explored by Marcus English of Hewison Private Wealth, there's an easy-going nature, coupled with a heavy dose of 'she'll be right'.

This mindset can leave individuals coming undone, particularly among high-performing professionals. Early career success, steady progression, and access to public healthcare systems can reinforce the perception that financial vulnerability is still some way off.

But income protection claims data tells a different story.

And while healthcare systems may support treatment, they don’t replace income. For professionals whose primary asset is their earning capacity, this is felt even more acutely.

In practice, protection decisions are often deferred until visible milestones - property, family, business ownership. By then, underwriting risk may have already occurred.

The challenge isn't awareness. It’s timing.

Read more 🔗 https://bit.ly/42snq71



Source: Why “we’ll be fine” is costing affluent clients more than they realise, PPS Mutual Newsroom

When do you think most insurance claims happen? If you said later in life, you're not alone. But the data tells a differ...
13/05/2026

When do you think most insurance claims happen? If you said later in life, you're not alone.

But the data tells a different story.

At PPS Mutual, 35% of Income Protection claims in 2025 were paid to Members aged 25 to 34 years old. While 15% of our Trauma claims were paid to Members between the ages of 25 and 45 years olds, with the youngest claimant being just 27 years old.

Early in a person's career, income often grows, new financial commitments arise, and financial buffers are limited. Yet it’s also a stage where risk can feel distant or abstract.

When income is interrupted unexpectedly, the impact can be immediate - and significant.

Understanding that risk is not age-dependent is an important step in building long-term financial resilience.

Speak with your PPS Mutual accredited adviser to learn more, and explore our insurance options here 🔗 https://bit.ly/4tBGCLx

12/05/2026

A large portion of risk advice is delivered by a relatively small segment of the adviser community.

That concentration brings both opportunity and responsibility, particularly as product structures evolve and expectations around advice continue to lift.

At a recent Riskinfocus session, Mark Everingham of Personal Risk Professionals (winner of the 2026 PPS Mutual Advice Practice of the Year Award) shared his perspective.

'...there are 600 advisers who write half the risk in the country. It’s never been a better place to be in business in life insurance than it is now.'
- Mark Everingham, Personal Risk Professionals

With this opportunity comes a clear need for continued capability uplift.

The PPS Mutual Advice Practice of the Year Award recognises advice practices that shape the profession and set a benchmark for excellence in risk-focused advice.

Listen to the full discussion with Mark here 🔗
https://bit.ly/4mUNl0j

Engineers understand that risk isn't something to eliminate - it’s something to assess, prioritise, and manage.That same...
06/05/2026

Engineers understand that risk isn't something to eliminate - it’s something to assess, prioritise, and manage.

That same thinking can be applied to personal financial risk.

The goal is to understand risk clearly enough to make good decisions about it - which risks should be avoided, which are acceptable and which need to be mitigated in the form of insurance so as not to be financially disruptive.

For most engineering professionals, earning capacity is the foundation of long-term financial security.

It supports everything from day-to-day living through to future goals. Yet it’s also one of the most exposed assets when illness or injury occurs.

Read more about financial risk, what to avoid, what to accept, and what to insure 🔗 https://bit.ly/4u5XVUx

We’re pleased to welcome Hasib Qayumi to PPS Mutual as Business Development Manager for NSW & ACT.Hasib brings more than...
05/05/2026

We’re pleased to welcome Hasib Qayumi to PPS Mutual as Business Development Manager for NSW & ACT.

Hasib brings more than a decade of financial services experience, with a strong focus on the retail risk and life insurance market. He joins PPS Mutual from AIA Australia, where he spent over eight years in business and client development roles across retail distribution and group corporate, and has previously held roles with ANZ, Asteron Life and CommInsure.

In his new role, Hasib will support PPS Mutual’s accredited adviser network across NSW and the ACT, helping advisers provide insurance cover tailored for professionals.

As Hasib shared: “The mutual structure resonates with me, knowing that the focus is on delivering long-term value to members aligns strongly with how I believe financial services should operate.”

Welcome to PPS Mutual, Hasib! We’re excited to have you join the team.

Address

Level 10, 45 Clarence Street
Sydney, NSW
2000

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+61282922900

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