Specialist General Advice Licensee
Deliver what your clients really need.
A specialist General Advice licensee for Australian life risk advisers.
Keep 100% of your clients. Lose the 50-page SOA.
The real problem
You did not train for this. You trained to sit across from a family and work out what happens to them if the worst happens. Instead you spend your week producing a document that almost nobody reads, to satisfy a process built for a different kind of advice entirely.
To be clear, General Advice is not an absence of obligation. It carries its own requirements, and we take them seriously. What it removes is the personal advice overhead that was never proportionate to a life risk conversation in the first place.
The cost of another year
Every case carries a fact find, an SOA and a compliance review. That is time you cannot bill, cannot recover and cannot reinvest into the next client.
While one case grinds through a full personal advice process, the next three sit waiting. Your constraint has never been demand. It has been capacity.
The families who needed cover last quarter did not wait for your paperwork. They either bought direct with no advice at all, or they bought nothing.
Choose your growth strategy
Same licence. Same systems. Same panel. The only difference is who delivers the advice, and that depends entirely on the business you have already built.
Your brand, our engine
You operate as an Authorised Representative under your own business branding. The compliance, the systems, the panel access and the support are already built and already running. You are not starting a new business; you are building a better one!
Best for established businesses who want to be writing business immediately.
A complete business in a box
We help build your life risk division entirely under your own corporate brand. Your clients see your name on the website, the documents and the correspondence. We supply the Authorised Representative and the infrastructure required.
Best for established practices that have existing clients who require protection.
Not sure which one fits your practice? That is exactly what the discovery call is for.
Book a Discovery CallSystems and technology
Most licensees hand you an authorisation and a policy manual, then send you an invoice. We run a CRM platform configured specifically for compliant General Advice delivery, and it does a great deal more than keep you out of trouble.
Every General Advice interaction is captured, documented and auditable as you go, so the file assembles itself instead of waiting for you on a Friday afternoon.
We provide the technology; you drive the growth. Beyond keeping you compliant, our CRM gives you the tools to host your website, manage your sales pipeline, and run your marketing.
Stop logging into multiple apps to post updates. Use our CRM’s built-in social planner to draft, schedule, and deploy your content across your networks.
Automated campaigns to the book you already have. The clients already on your database are the cheapest new business you will ever write, and most advisers never touch them.
Want to see the platform before you commit to anything?
Book a Discovery CallScope of advice
Your authority as an Authorised Representative covers the four core life risk products.
A lump sum paid to the people who depend on them, on death or terminal illness.
A lump sum when illness or injury means they are never going back to work.
Monthly income replacement while they are unable to earn, so the bills keep getting paid.
A lump sum on diagnosis of a specified condition, when the fight itself costs money.
Peer to peer
Having an enterprise-grade CRM fully funded by the licensee is a game-changer. Having our compliance logging, automated disclosures, website hosting, and client pipeline consolidated in one system has saved us thousands in software subscriptions while allowing us to scale our client volume effortlessly.
The White Label Life partnership gave us the exact structure we needed to launch our risk division without giving up our identity. It operates fully under our own brand, we retain complete client ownership and have the peace of mind that comes with HAE Financial’s robust General Advice framework backing every file.
Transitioning to HAE Financial’s General Advice model completely transformed how our practice operates. Eliminating the endless SOA documentation cycle cut our compliance administration down dramatically. We can now deliver immediate comparative options to our clients while knowing our compliance record is 100% audit-ready.
Every one of them started with a thirty minute call.
Book a Discovery CallWho you will actually deal with
Founded in 2018, HAE Financial was built by two practising advisers who realised the traditional personal advice model for life risk was no longer viable. Pete heads up compliance; Marty handles operations. They know exactly what it takes to build a profitable risk practice, and they provide the direct support to help you do it. When you call, one of them picks up.
Straight answers
If yours is not here, ring one of the directors. That is genuinely the fastest way to get it answered.
See all FAQsYes. All of them. Client ownership sits with you, not with us, and it stays that way for as long as you are with HAE and after you leave. This is written into the arrangement rather than promised verbally, because we know it is the single thing advisers worry about most when they move licensee.
General Advice is a long established authorisation under the Corporations Act. It is not a loophole and it is not a lesser form of advice. It is a different scope of advice, with its own obligations, including the general advice warning and design and distribution obligations.
What matters is that the framework around it is built properly and monitored. That is precisely what we do, and it is why Pete sits as Responsible Officer rather than outsourcing compliance to a third party.
It starts with a thirty minute call where we work out whether General Advice genuinely suits the book you are writing. If it does, we take you through authorisation, get you onto the platform, arrange your insurer accreditations and set up your systems.
We have done this enough times to know where it gets stuck, and we will tell you honestly at the outset if we think you are better off staying where you are.
Yes, and it is one of the main reasons advisers come to us. The platform is what makes the compliance framework work, because the audit trail is produced as a by-product of doing the job rather than as a separate task at the end of it.
The upside is that the same platform hosts your website, schedules your social content and runs campaigns to your existing book. Most advisers arrive treating it as a compliance requirement and end up using it as their main marketing channel.
Our approved product list covers ten insurers: Acenda, AIA, ClearView, Encompass Protection, Futura Protection, MetLife, NEOS, OnePath, TAL and Zurich. That is deliberately broad, because a narrow panel eventually forces you to place business somewhere that does not suit the client.
One conversation, thirty minutes. We will tell you honestly whether General Advice suits your business, and whether HAE is the right licensee for it. If the answer is no, we will say so.
Speak directly with Marty or Pete. No call centre, no gatekeeper.
