Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 Encompass Protection is not a standalone insurer — it is a retail life insurance product, launched in April 2022, with three companies behind the one name. The policy is issued and the claims are paid by Acenda (the rebranded MLC Life Insurance, whose legal entity is Nippon Life Insurance Australia and New Zealand Limited, AFSL 230694); the everyday administration and service are run by

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 ClearView is an Australian-owned, ASX-listed specialist life insurer (ASX: CVW) that distributes advised life-risk products — its ClearChoice range — through financial advisers. It is a boutique-scale insurer, holding around 3.9% of the retail advised life market and A$412.9 million of in-force premium at 30 June 2025 (ClearView Wealth, 2025). In February 2026, ClearView agreed to be ac

Written by Christopher Hall, AdvDipFP | Authorised Representative, AFSL 526688 | June 2026 PPS Mutual is a niche, profession-only life-risk specialist — Australia's only retail life insurance mutual, open exclusively to a defined group of highly qualified professionals and structured so that members, not external shareholders, share in the profits. Its policies are issued by NobleOak Life Limited, an APRA-regulated insurer with roots dating to 1877. PPS reported in-force prem