PPS Mutual

We recently undertook a comprehensive review and expansion of our medical definitions to ensure they align with the latest advancements in medical practice. These changes reflect our commitment to providing the highest level of protection for our Members while ensuring our products remain among the most comprehensive and reliable in the market. “One example is the overhaul of the definition of carcinoma in situ of the reproductive organs, which has been replaced with precancerous lesions of the reproductive organ to reflect modern diagnostic standards. The updated criteria ensure claims are assessed based on clear and up-to-date medical definitions,” PPS Mutual said. PPS Mutual Chief Executive Michael Pillemer said this latest round of enhancements allows the group to deliver the best outcomes for its Members. “In line with PPS Mutual’s philosophy of prioritising members, these enhancements will be applied retroactively, benefiting all existing Members.” Read the full article here 👉🏻 https://bit.ly/4fq3rtJ #ppsmutual #mutuality #profitsharing #traumainsurance #professionals

We love hearing about success stories from our valued adviser network. Bradley Gecelter and the team at Priority Life have been long term supporters of PPS Mutual, and now they've reached over $1,000,000 of Profit-Share delivered back to their clients - our PPS Mutual Members 👏🏻 They are the first advice firm in Australia to achieve this and we're delighted to be celebrating their success, and showcasing the benefits to their clients of choosing to partner with a mutual. Well done Bradley and the team! And a wonderful effort by the PPS team (Shadia Kouzma is here delivering the award) who support them every day. Here's to more successes like these in 2025 🙌🏻 To learn more about becoming an accredited adviser, contact your local State PPS Mutual Distribution Manager 🔗 https://bit.ly/3Vnq6Qb #ppsmutual #mutuality #profitsharing #membersfirst #prioritylife

Have you heard? We’ve hit a major milestone! 🎉 Our Members' total Profit-Share Account balance has broken through the $10 million mark, reaching new heights in 2024. This achievement reflects our commitment to providing high-value, sustainable life insurance for professionals while delivering real benefits to both Members and advisers. And it all stacks up for advisers 🌟 24 advisers have more than $100k of Profit-Share from their Members 🌟 One adviser firm boasts over $1M in Profit-Share assignment for their clients 🌟 One adviser alone holds over $700k in their clients’ Profit-Share balances But don't just take our word for it - our higher retention rates tell a clear story. Once Members join us, they rarely leave. PPS Mutual's annual lapse rate stands at an impressive 4.9%, while the industry average is over triple that at 15.3*%. To learn more about becoming an accredited adviser, contact your local State PPS Mutual Distribution Manager 🔗 https://bit.ly/3Vnq6Qb *Source: NMG Retail Advice Channel Risk Distribution Monitor Q2 2024. #ppsmutual #mutuality #profitsharing #insuranceprofessionals #insuranceadviser #businessinsurance

What do advisers value most when it comes to insurance? Certainty of outcome. The worst thing that can happen at claim time is that the medical evidence during assessment differs from the pre-assessment. Marcello Bertasso, Head of Underwriting and Claims at PPS Mutual, joined Marc Fabris from Risk Hub and Peter S. from The Life Insurance Guy for a conversation on the intricacies of underwriting. "When you do have a conversation with your GP, often it's just conversational for the person who's talking to their doctor; you might mention things, you know, in the context of hip pain or something which the doctor then puts in their notes. And so you don't think you've had a conversation with the doctor about an item, but then at claim time...if there's been any non-disclosure, this kind of stuff pops up." - Marcello Bertasso, Head of Underwriting and Claims Marcello shared that painting a holistic picture of the client, including proactive health management, could improve outcomes. He also encourages advisers to align information gathering with the PPS Mutual style and type of pre-assessment questions we use. If you have questions about our process, please get in touch with your local State PPS Mutual Distribution Manager 🔗 https://bit.ly/3CZzVgG #ppsmutual #mutuality #profitsharing #riskmanagement #insuranceprofessionals

Many high-earning professional clients find themselves to be time-poor and facing complex financial challenges, often requiring tailored risk management solutions. Stephen Price from Integer Financial Group specialises in comprehensive risk management for medical professionals. His approach incorporates estate and business succession planning to safeguard long-term stability. His holistic take also aims to educate clients on the financial impact of health traumas. By integrating risk insurance with broader financial strategies, he offers a truly holistic service. Discover more 👉🏻 https://bit.ly/3Z9DWXg #ppsmutual #mutuality #profitsharing #insuranceprofessionals #medicalprofessionals #doctor

It's officially Decembeard 🧔🏻 This campaign, led by Bowel Cancer Australia, encourages men to grow a beard to spark conversations about bowel cancer, Australia's second biggest cancer killer. An incredible 1 in 10 Australian men will face this disease. Bowel Cancer Australia works tirelessly to prevent, diagnose, and treat bowel cancer while supporting those affected. This December, follow their guidance on screenings and consider how the right insurance can safeguard your family's future. Learn how you can get involved and support their vital work 🔗 https://bit.ly/415qHts #ppsmutual #mutuality #profitsharing #lifeinsurance #traumainsurance #incomeprotection

It really pays to have a PPS Mutual policy. As a policyholder, you're more than just a customer. Every policyholder is a Member, and as a Member, you're entitled to a share of the profits of the insurance you buy. This year, we're excited that our Profit-Share pool hit new heights - breaking through the $10 Million mark! 🎉 Members are enjoying high rewards, with: 🌟 One Member accruing over $40,000 in their Profit-Share Account 🌟 74 Members accruing more than $10,000 in their Profit-Share Account 🌟 283 Members accruing more than $5,000 in their Profit-Share Account If you're a professional, learn more about our insurance products by speaking to your financial adviser about PPS Mutual or head to our website 🔗 https://bit.ly/3Zc4t7J #ppsmutual #mutuality #profitsharing #medicalprofessionals #legalprofessionals #itprofessionals

"No one thinks about the day they'll need to make an insurance claim." - Dr Sam Floreani, Chiropractor Last year, Dr Floreani lost his finger in an accident, something unimaginable for someone whose work revolves around using his hands to help heal his patients. Understandably, he was worried about losing part of his identity as a Chiropractor, the future of his practice, and his income. Thanks to his PPS Mutual accredited financial adviser, John Manserra, Dr Floreani says it was invaluable to "put your trust in someone else so I could focus on myself," allowing him to recover without the financial burden. Our Professionals Choice benefits have been designed specifically for Australia's professionals, so you know you're covered when it matters most and with the right insurance products. And by having our insurance cover solely available via accredited advisers, just like Sam, you can have the peace of mind to focus on your recovery. Speak to your adviser to learn more or contact us 🔗 https://bit.ly/3UXvlps #ppsmutual #mutuality #profitsharing #incomeprotection #tpdinsurance #insuranceprofessionals~

As an engineer, measuring and minimising risk is part of your daily work. But it’s just as important for engineers to plan their financial future. As many engineers work in high-pressure settings that require long-distance travel, machinery operation, and irregular working hours, the profession can be considered relatively high-risk. Even engineers who work in offices are regularly expected to make site visits where workplace accidents are possible. The fact is, whether it be chronic or life-threatening, an accident or illness can disrupt your life in the blink of an eye. Our Insurance cover enables you to focus on your recovery, without the financial burden. The comfort that this security affords is worth the investment. Get the right protection in place 🔗 https://bit.ly/3AMhAD2 #ppsmutual #mutuality #profitsharing #incomeprotection #engineer #lifeinsurance

What really sets our insurance products apart? The flexibility and unique features, such as Indexation for Professionals, Profit-Share and Caring for your Child Benefit - which are not available anywhere else in the market. With products specifically designed for professionals, it's no wonder we've been rated Best Retail Life Insurer two years in a row. Joshua Davidson, Managing Director at Legacy Risk Advice, agrees. "They differentiate from the market with their profit-sharing model and unique eligibility criteria focusing on professionals...the team at PPS consistently demonstrates a high level of professionalism and expertise, making our experience seamless. Their products are thoughtfully designed, providing features and value which we confidently recommend to our clients when appropriate, knowing that their solutions and service are dependable." Interested in becoming an accredited adviser? Reach out to your local PPS Mutual Distribution Manager 🔗 https://bit.ly/3CxbA1D #ppsmutual #mutuality #profitsharing #lifeinsurance #businessinsurance #traumainsurance