Find out what’s happening to your current Avant Life Insurance policy.
Since 1893, when a small group of doctors formed a mutual, Avant had one simple
objective in mind, to support doctors...
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Doctors LIST. Life Insurance Selection Tool.
At Avant we try to do the hard work for you to make your life a little easier, so you can focus on what
you do best. That’s why we looked at leading life insurance providers and made a shortlist of 4 whose
Life policies, features and benefits we think doctors will value.
Enter your cover preferences in The Doctors' List to get an instant shortlist of leading
life insurance policies that may be available for you.
Having compared products, select the one that's right for you and your family.
It's fast and easy to apply over the phone - we'll take care of the rest.
We reviewed and considered various aspects of Life Insurance products including the below:
We looked for life insurance products that provide coverage for injury or sickness related
to past sicknesses or injuries, as long as they are disclosed and accepted by the insurer at
the time of application.
We looked for life insurance products that offered a 12 or 24 month terminal illness
We looked for life insurance products that provided the ability to increase cover based on
the occurrence of a defined event without the need to undergo further medical underwriting.
Some life insurers in the industry have adopted wording that provides a guarantee to
recognise other more advanced tests or treatments when assessing a claim. This was
considered as part of our selection criteria and ensures that defined Trauma Cover medical
conditions remain up to date should medical advancements occur.
Different life insurance providers offer different discounts or packaging options depending
on the type of cover taken. These were considered within our selection criteria.
We considered turnaround times for applications along with financial and medical
requirements (forming part of the underwriting process) at time of application.
For advice tailored to your personal circumstances or to check whether your existing cover is right for your current and future needs, talk to someone who really understands doctors – an Avant life insurance adviser.
We have created a convenient guide which highlights some of the risks you need to consider at different
stages in your professional medical career and personal life, and the insurance options available
Protecting your future. In the event of death or terminal illness, Life
Cover can provide a lump sum benefit.
When illness or injury prevents you from working in your occupation or any
occupation, Income Protection Cover supports you by paying a monthly
Protecting your family future. In the event of death or terminal illness,
Life Cover provides a lump sum benefit.
When an illness or injury permanently prevents you from working in your
occupation or any occupation, TPD Cover can provide a lump sum benefit.
When illness or injury prevent you from working in your occupation or any
occupation, Income Protection Cover supports you by paying a monthly
If you suffer from one of listed major health events, Trauma Cover can
provide you with the financial resources to make lifestyle or career
adjustments to help you recover.
If your child suffers a serious illness, injury or major health event,
Children’s Cover can provide you with the financial resources to ensure you
or your family can be there for your child and still providing for
Will protect your share of the everyday costs
of running your practice, if you are prevented from practising due to
illness or injury.
The Product Disclosure Statement (PDS)
and Target Market Determinations (TMD) for our selected life insurers are also available here
"When you've got a family, the certainty of knowing you’re covered with Life
Insurance is even more important."
Dr. Jing Cen Mao-Tang
Since 1893, when a small group of doctors formed a mutual, Avant had one simple objective
in mind, to support doctors.
Over the years, and through our in-depth understanding of doctors, we developed and
offered products that are designed with doctors in mind. From professional indemnity,
health insurance, technology, life insurance, lending and financial advice.
Life insurance offering
So when we developed a life insurance product in 2017, we ensured it included features
and benefits we believed doctors would value.
Over the past five years, we continued to adapt and reinvent our products to keep up with
changes in the insurance markets and changes to the regulatory regime. But always
ensuring that the products’ features and benefits were of value to doctors.
The Doctors Life Insurance Selection Tool
That’s why from October 2021 we have changed our life offering. We moved from one product
offering to providing doctors a choice of products from a range of life insurance
providers, whose life policies, features and benefits we think doctors will value.
We’ve done the hard work for you. By searching the market for providers that offer
products that we think doctors will value and added these to the LIST. Making it easy
for doctors to compare, select and apply for the products they want at no additional
fees to them.
The Doctors Life Insurance Selection Tool is an online comparison tool that puts a
curated list of suitable providers at your fingertips. All you need do, is go to our
website, enter some information, compare the policies including their features and price
and consider if one of them is right for you.
Avant Life Insurance (Avant) is a registered business name of Doctors Financial Services
Pty. Ltd. ABN 56 610 510 328 (DFS), a wholly owned subsidiary of the Avant Mutual Group.
Avant Life Insurance products are issued by NobleOak Life Limited ABN 85 087 648 708 AFS
Licence Number 247302 (NobleOak). All general insurance is issued by Avant Insurance
Limited ACN 003 707 471 AFS Licence Number 238765 (Avant).
DFS provides administration services on behalf of NobleOak in respect of life risk
insurance policies previously issued by NobleOak and administration services on behalf
of Avant in respect of general insurance policies previously issued by Avant.
The Avant Life Insurance product is no longer available to new customers.
Though the Avant Life Insurance product is currently closed to new customers, your cover
remains secure on the terms and conditions issued to you.
If you would like to discuss your insurance, make changes to your cover or have any
questions, please contact one of our Avant Life Insurance consultants on 1800 128 268.
Doctors Financial Services (DFS) provides both general and personal advice.
General advice does not consider your objectives, financial situations or needs. You
should consider whether the product is appropriate for you and the Product Disclosure
Statement and Target Market Determination for the relevant product before deciding to
purchase or continuing to hold a policy or plan. The Doctor’s LIST service is only
available via general advice.
The Doctor’s LIST service is only available to doctors and partners of doctors.
The amount of life insurance cover will vary based on your individual circumstance.
There are tools available that can provide you a guide. For example, the Australian
Government provides this
Life Insurance Calculator that may assist.
Doctors Financial Services is part of the Avant Group who has been protecting doctors for over 130 years. Our vision is to be the most trusted professional partner in supporting doctors throughout their lives and careers.
We understand that sometimes we go through difficult phases in our lives where we may need additional assistance and care. And that everyone’s individual situation and circumstances are different.
Vulnerability can come in many unique forms. This includes illness, poor mental health, aging, loss of income, and changes in community, family or personal circumstance. Other factors such as the loss of a loved one, disability, financial distress, and language or literacy barriers can also present challenges.
We are committed to taking extra care to support our vulnerable customers and to treating you (and your family, carer or support person) with empathy, compassion and respect.
If you’re in need of extra assistance, we have information, tools and services that you may find helpful.
Unplanned events can leave you in a financial position that you didn’t expect. These may include:
If you require support or assistance during this time, please don't hesitate to get in touch with our Customer Service team on 1800 128 268. We can talk you through the options that may be available to help you through a difficult time. Or, you may wish to speak with your financial adviser.
If you have Avant Life Insurance, we may be able to help with:
You may need to provide supporting documentation to assist with your application.
A range of free external support services are available to all Australians facing challenging personal circumstances and in need of help.
Doctors Financial Services Family and Domestic Violence Policy.
If you, or your family are in immediate danger always call 000.
National 24-hour domestic and family violence and sexual assault line
Call 1800 737 732
24/7 counselling and referral service for people in a crisis
Call 13 11 14
24/7 support to people experiencing anxiety or depression
Call 1300 224 636
Help if you are deaf or find it hard hearing or speaking with people who use a phone
Call 1300 555 727
SMS relay number 0423 677 767
A confidential 24/7 helpline service with Lifeline-trained Aboriginal & Torres Strait Islander Crisis Supporters
Call 13 92 76
24/7 support, information, and referral service for men with family and relationship issues
Call 1300 78 9978
A free, confidential service to help people in financial difficulty
Call 1800 007 007
Drs4Drs promotes the health and wellbeing of doctors and medical students across Australia
Call 1300 374 377
The Translating and Interpreting Service is provided by the Department of Home Affairs for people who do not speak English and for agencies and businesses that need to communicate with their non-English speaking clients.
(24 hours, every day of the year)
Immediate phone interpreting Within Australia 131 450 Outside Australia +613 9268 8332
For more information contact us at 1800
Schedule a call to speak with a life insurance consultant
Leave us a message at firstname.lastname@example.org.
IMPORTANT: The information provided on this website is general advice only and has
been prepared without taking into account your objectives, financial situation and
needs. You should consider these, having regard to the appropriateness of this
advice as well as the Product Disclosure Statement (PDS) and Target Market
Determination (TMD) before making a decision to acquire a financial product.
The life insurance products presented on the Avant Life Insurance Selection Tool (LIST)
should not be regarded as representative of all life insurance products that may be
available to you. The selection is for illustration purposes only and should not be
regarded as an endorsement or recommendation by Avant Life Insurance to take out any
of the life insurance policies presented, as we have not considered any of your objectives,
financial situation or needs in providing you with these estimated premiums. The LIST can
be used to obtain an estimate of premiums for the life insurance products compared.
The provision of estimated premiums does not constitute an offer of insurance. Avant
Life Insurance is not able to bind any insurer or ensure that any insurer sells any
product to you. Accordingly, nothing on this website amounts to an offer by us or
any insurer to sell any product to you or enter into any contract with you.
The LIST compares the prices and some of the features of the life insurance products.
However, it does not compare all of the features or benefits of each product, nor the
relevant policy coverage, which should be considered before making any decision. When
reviewing a product you should consider whether the product is appropriate for you and
read the relevant PDS and TMD before deciding to purchase or continuing to hold a policy or
plan. The PDS and TMD for each product are available by contacting us on 1800 128 268.
Before using the LIST you should read our Financial Services Guide for detail about
who we are, how we are remunerated and how the LIST works. Information on this website
does not constitute legal or professional advice, and is current as at the date of
This service is provided by Avant Life Insurance. “Avant Life Insurance" is a registered
business name of Doctors Financial Services Pty Ltd ABN 56 610 510 328 AFS Licence Number 487758 (DFS).