Add $50k+ in Revenue This Year Without More Clients or More Effort
Accountants, insurance brokers and financial planners are perfectly positioned to take advantage of our ‘Hybrid CAR Model’ and add life insurance as a natural, high-value extension of their existing services.
Retain Full Client Ownership
Low Upfront Costs to Get Started
Earn 50% Commission - Upfront & Trail
Minimal Compliance or Admin Burden on You
Ready-to-Use Email & Social Media Templates
WHAT IS THIS
We Help Accountants, Insurance Brokers & Financial Planners Expand Their Services & Easily Add Income
Life insurance is a natural next step for anyone managing their financial future
But there's so much red tape! Not any more. Under our General Advice AFSL and the ‘Hybrid CAR Model’, we're able to provide fantastic life insurance options for your clients - avoiding the costly upfront fees associated with personal advice, while adding generous commission splits directly to your bottom line.
Life insurance is a natural next step for anyone managing their financial future
But there's so much red tape! Not any more. Under our General Advice AFSL and the ‘Hybrid CAR Model’, we're able to provide fantastic life insurance options for your clients - avoiding the costly upfront fees associated with personal advice, while adding generous commission splits directly to your bottom line.
Earn 50% commissions on upfront & trail payments
Yep, you read that right. As a Corporate Authorised Representative, you receive 50% commission on upfront and trail payments - while retaining full ownership of your client relationships without any added staffing costs. Compare that to a standard referral arrangement and the difference is significant.
Earn up to 50% commissions on upfront & trail payments
Yep, you read that right. As a Corporate Authorised Representative, you receive 50% commission on upfront and trail payments - while retaining full ownership of your client relationships without any added staffing costs. Compare that to a standard referral arrangement and the difference is significant.
We take care of the setup & systems to have you up & running fast
Our ‘Hybrid CAR Model’ provides compliance oversight, administration and all the tools required to operate a successful life insurance business. You simply provide the CAR entity and we take care of the rest!
We take care of the setup & systems to have you up & running fast
Our ‘Hybrid CAR Model’ provides compliance oversight, administration and all the headaches that come with it. You simply provide the CAR entity and we take care of the rest!
Arrange an initial consultation with Martin to understand our ‘Hybrid CAR Model’ to add additional revenue to your practice.
WHY OFFER LIFE INSURANCE
Frankly, Most Professionals In Your Position Are Leaving Money on the Table
As a trusted accountant, insurance broker or financial planner, you already help your clients make important financial decisions.
Why not help them protect their family's financial futures too?
If you're looking to increase your income but - like most business owners - don't have the time to add entirely new services, our ‘Hybrid CAR Model’ is built for you.
Your existing client base offers massive potential for additional revenue.
The question is: how do you unlock it?
You may have explored referral partnerships before and found them underwhelming.
Our ‘Hybrid CAR Model’ is different - and here's why it works:
✅ You keep your clients - client ownership stays with you, always
✅ Attractive commissions - earn 50% upfront and trail
✅ No extra work - introduce your client and we handle the rest
✅ No compliance burden - we operate under our AFSL so you don't have to
✅ General advice model - no costly personal advice obligations, no mountains of paperwork
✅ Ready-made marketing tools - professional templates to introduce life insurance to your clients
✅ Clear communications - you'll always know what stage every deal is at
✅ Weekly payments - commissions paid promptly, every week
We look forward to working with you!
WHO IS HAE FINANCIAL?
An Established, General Advice AFSL Offering a Unique Solution
HAE Financial offer a simple, professional and cost-effective system to existing businesses.
1. Effortless Integration of Life Insurance
Our ‘built-for-you’ system means no extra work at your end. Introduce your client and be kept up to date via our automated updates.
2. Financial Protection for Your Clients
Offer the same life insurance policies as financial planners, without the costly exercise of personal advice - making it easier and more affordable for your clients to protect their financial futures. We can even structure policies through their superannuation accounts to assist with cash flow.
3. Ready-to-Use Marketing Material
We provide professional social media posts, tools, case studies and email templates to help you introduce life insurance to your clients. No need to create content - we've already done it for you.
4. Minimal Set Up Required
Our system has been built to seamlessly integrate with existing businesses. We help you embed our offering into your existing processes so you start earning commissions right away.
5. Corporate Authorised Representative Status
Unlike a referral arrangement, our ’Hybrid CAR Model’ means you retain client ownership, earn significantly higher commissions, and add a genuine new revenue stream to your practice - without any of the regulatory complexity of operating under your own licence.
4. Minimal Set Up Required
Our system has been built to seamlessly integrate with existing businesses. We help you embed our offering into your existing processes so you start earning
commissions right away.
5. Corporate Authorised Representative Status
Unlike a referral arrangement, our ’Hybrid CAR Model’ means you retain client ownership, earn significantly higher commissions, and add a genuine new revenue stream to your practice - without any of the regulatory complexity of operating under your own licence.
Expand Your Service Offering & Your Clients Will Thank You
Your Clients Already Carry Insurance - Why Not Life Insurance?
Whether it's income protection, TPD or life cover, your clients likely have financial obligations that warrant coverage. Estimates suggest over 250,000 Australians every year need cover but remain exposed.
Your Clients Already Carry Insurance - Why Not Life Insurance?
Whether it's income protection, TPD or life cover, your clients likely have financial obligations that warrant coverage. Estimates suggest over 250,000 Australians every year need cover but remain exposed.
Avoid Fees, Get Great Cover & Pay From Super
Your clients can avoid paying $3–5k upfront for "personal advice" and instead receive quality cover - funded through their existing super if they prefer, with no out-of-pocket expenses.
Avoid Fees, Get Great Cover & Pay From Super
Your clients can avoid paying $3–5k upfront for "personal advice" and instead receive quality cover - funded through their existing super if they prefer, with no out-of-pocket expenses.
More Services Means Stronger Client Retention
The more value you deliver to your clients, the more likely they are to stay. With HAE Financial as your partner, you can offer life insurance as a seamless extension of your practice - without any of the headaches.
More Services Means Stronger Client Retention
The more value you deliver to your clients, the more likely they are to stay. With HAE Financial as your partner, you can offer life insurance as a seamless extension of your practice - without any of the headaches.
Arrange an initial consultation with Martin to understand our ‘Hybrid CAR Model’ to add additional revenue to your practice.
Hear From Our Happy Partners
Got Questions?
What is this?
We allow finance professionals to offer quality life insurance products to their clients, while we handle all of the back end administration and compliance. You receive 50% of all commissions whilst retaining 100% client ownership.
How much can I make for each referral?
It obviously varies based on level of cover your client opts for. As a rough guide, around $1,200 per client upfront and $400 per client in trail (based on 50% commission).
I don't have time for more work... But more income would be nice.
We completely understand. We provide you with everything you'll need to make this process work for you. From email templates to send to your existing and new clients, to social media posts you can use as your own, a simple client introduction form to fill in and a hands-off, transparent process we take your clients through.
What will I have to do exactly?
Send an email or two. Make a social media post or two (if you wish). Fill in a simple online form. Let your clients know you offer life insurance as well. That's really about it.
Unlock A New Revenue Source in 2026!
Arrange an initial consultation with Martin to understand our ‘Hybrid CAR Model’ to add additional revenue to your practice.