Avant Life Insurance. Designed for a doctor’s life. That’s our policy.

11 Dec 2020

Protecting your income that you work so hard to earn. For many doctors, their income and its cumulative value, now, and into the future, is often their largest financial asset. We find doctors don’t think about this early on in their career, despite the long investment into their education, a highly specialised career path and earning potential. 

As an example (ignoring income tax), we can look at a 30-year-old Doctor in Training earning on average $150,000 for the first 10 years of their medical career. Following this period, the 40-year-old fellows in their speciality earning $250,000 and proceeds to work through to age 65 until retirement. Assuming a 3% increase of income every year (reflecting an annual indexation adjustment to salary), this would amount to more than $11 million, and we know for many it can be much more than this.      

If you couldn’t work due to illness or injury, would your income continue? With an Avant Life Insurance plan, you can have peace of mind knowing your future is protected, by choosing cover that is designed for your specific needs as a doctor.  

  • Award-winning life insurance, exclusively designed for doctors.  

  • Flexible, comprehensive, specialty-specific cover. 

  • Competitive premiums. 

Avant Income Protection is designed specifically for, and exclusive to doctors. . Here are just some of the key features*:  

  • Cover for up to 85% of your income (including superannuation). 

  • Flexibility to increase your amount of cover as your income and needs change without the need for medical underwriting. You can increase cover by up to 30% every year until the age of 30, then 15% every year thereafter, ensuring your income is adequately protected as it grows.  

  • Unique cover for blood-borne diseases, viruses or other infectious conditions resulting in you being restricted from performing your duties. 

  • Your choice of waiting period (as short as 30 days) and benefit periods (up to age 70). 

Life can change in an instant. Don’t wait to have the right cover. 

We are there when it best suits you  

  1. Talk with one of our life insurance specialists today, 1800 128 268 

  1. Schedule a phone appointment avant.org.au/schedule or 

  1. Get an instant quote online at avant.org.au/life 

Life and TPD cover, trauma and children’s cover and practice expenses cover is also available. 

*Cover is subject to the terms, conditions and exclusions in the PDS. Product issued by NobleOak Life Limited ABN 85 087 648 708 AFSL 247302. This information is general advice only and does not take into account your individual needs. You should consider whether the product is appropriate for you and read the PDS at avant.org.au/life