Learn About About Keep

While there are other providers who offer direct access to insurance companies, very few of them give you a fee discount or your commission back.

With Keep, you get the best of both worlds - the ability to exclusively design and manage your own insurance online and your commission returned to you, minus our admin fee.

We believe in the value of financial advice. But not everyone needs advice all the time, so we created Keep with the aim to provide access to high quality products usually only available through financial advisers. We provide the tools you need to explore and select the right product yourself. Then we collect the commission and return it to you, less an admin fee.

If you apply for an eligible Life Insurance policy through Keep, or transfer an existing policy, we collect the commission payments and return at least 50% to you, this works out as 12.5% of every premium back in your pocket.

We also understand sometimes you need a helping hand, so we have partnered with full financial advice providers to give you the right level of support when you need it.

The right support, at the right time, for the right price.

Some of Australia's best Life Insurers traditionally only offer their products through a financial adviser. This means that there is a set of high-quality products that are not readily available to customers.

Keep will give you access to a number of easy-to-use tools which allow you to assess your cover needs, compare products and benefits across competitors and apply for a policy that will work for you.

Once your policy is in force, we collect any commission that applies and return it to your bank account, minus your admin fee, so there are no out-of-pocket costs to you for the service we provide.

If you transfer an eligible policy to Keep, we will collect the ongoing commission payments and return at least 50% to you. But we also have a referral program that gives you an extra $50 a year for any successful referral. So, you could get an even better return.

When there is no servicing adviser registered to the policy, the commission will remain with the insurance company. If you transfer that policy to Keep, we will be able to start collecting any ongoing commissions and return at least 50% to you.

No, Keep only provides general advice and does not consider your personal needs or circumstances or make recommendation on types and levels of cover you might need. Our tools and learning materials only provide factual and general information you can use to help you make up on your mind on how much cover you and your family needs.

But, we do believe in the value of financial advice. Keep want you to get the right support at the right time. We understand the process can seem overwhelming so check out our help page where there are a couple of ways we've got you covered to get you covered, including referring you to a local adviser who can give hands on support.

Keep are licensed by the Australian Securities and Investments Commission (ASIC) under AFSL number 531680. ASIC regulates Australian companies, financial markets, financial services organisations and professionals who deal and advise in financial products.

As a financial services licensee, we must abide by our license to operate efficiently, honestly and fairly. Those obligations are monitored on an ongoing basis in order to maintain our license. You can confirm by going to the ASIC connect registry search and entering Keep Insurance Co.