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Become authorised

Becoming authorised with ALI Group means you are committing to educating your clients about the risks of borrowing and offering a solution in the form of Loan Protection Plan.

Our mission and 17 year journey

Our mission is to protect Australian home and property buyers from financial hardship. We work towards this by partnering with almost 4,000 mortgage brokers nationwide, providing them with high quality insurance products, training, marketing, supervision and monitoring, so they can confidently deliver valuable protection for their clients. Together, in the last 17 years, we have protected over 203,000 clients and paid over $114 million in claims. 

An authorisation with ALI Group is a commitment to educate your clients about the risks of borrowing and offer them the solution of Loan Protection Plan. Read our reasons as to why we think mortgage brokers should offer protection to their clients here.

What is Loan Protection Plan?

We believe a broker’s responsibility goes beyond helping your clients find the right loan. It’s also about making sure your clients understand the risks associated with having a large debt, so they can decide how to best protect against them. Put simply, Loan Protection Plan is an insurance policy which provides some protection for clients when they take out a loan and is unlike Lenders Mortgage Insurance (LMI) which protects the lender. You can read more about Loan Protection Plan here.

1 Living Benefit

Get financial support during time of a crisis for eleven serious medical conditions:

  • Cancer*
  • Heart attack*
  • Stroke*
  • Coronary artery bypass*
  • Alzheimer's and Dementia
  • Kidney failure
  • Paralysis
  • Severe burns
  • Loss of independent existence
  • Total loss of hearing
  • Total loss of sight

Click here to read more on the Living Benefit

Pre-existing condition exclusions apply, and a 3 month exclusion period applies to those conditions marked with *. Please read the full details in the PDS.


2 Death and Terminal Illness Benefit

A lump sum benefit to help keep the roof over your family’s head:

  • Payment of up to $750,000
  • Operates independently of loan
  • Benefit is paid to joint policy owner or your estate, not the lender
Involuntary Unemployment Benefit

Be paid up to three months' benefits for involuntary unemployment occurring during the first five years of our Loan Protection policy – a financial helping hand while you look for work∆.

Accidental Injury Benefit (Optional)

Financial assistance while you're on the mend. Three months' benefits when you can't work for 30 days or more due to accidental injury∆.

Click here to read more on the Accidental Injury Benefit

Is becoming authorised right for you and your business?

As an ALI authorised representative you will be authorised under our Australian Financial Services Licence. This is different to an accreditation from a lender and carries more responsibilities for you and obligations for us. We also provide you cover under ALI’s Professional Indemnity Insurance (PI) which means that your existing PI insurance held by you to cover your credit activities does not need to be amended to offer insurance under authorisation of ALI Group. To understand the terms and conditions of authorisation further, click below.

Understand terms and conditions

Broker testimonials


Sarah Thomson VIC | Loan Market

Sarah's first policy that she put in place was for a hardworking delivery driver, who was also a sole income earner.
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"Not everyone is able to take out full cover, that’s why it’s so great being able to offer different variations of cover to suit them. The c ...
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What is the authorisation process?

Once you let us know you’re interested in authorisation, one of our team members will be in contact to learn more about you, your business and provide more details about ALI Group. If you agree that Loan Protection Plan is the right solution for you to offer to your clients, you will be invited to complete an application form, an online training module and a face to face training session with your dedicated ALI BDM. Then, you’re authorised and ready to discuss loan protection with your very next client.

Express your interest