The leading provider of home loans in the Riverland & Mallee.

Loan Protection Insurance.

Everyday life events can and may impact your ability to meet your loan repayments.

Making you aware of loan protection is PHLC’s moral responsibility so you can make an informed decision. It’s about making sure you can service your loan.

How would you meet your loan repayments if you suffered a serious injury, illness or even death?

Did you know?

  • 1/3 of women and 1/2 of men will suffer from some form of cancer in their lifetime – and more than half will live longer than 5 years after diagnosis.(1)

  • 95% of Australian families do not have adequate levels of insurance.(2)


It's important you take the time to consider how you could protect your way of life and find the right solution for your family.

PHLC can provide you with more information about how Loan Protection Plan could help you should something happen.

Loan Protection Plan.

Loan Protection Plan is a simple life insurance product that provides peace of mind if the unthinkable happens.

ALI Group’s Loan Protection Plan provides the following key benefits:



The product includes protection in the event of the following:



The impact of protecting your way of life

Meet Paul. He is a husband and father to four children. In 2014 Paul was diagnosed with Oesophageal cancer. Thankfully Paul’s broker offered him Loan Protection Plan which made his life a little easier following the diagnosis. Watch his story.


“It all starts adding up, so it just gives you the ability to get those major bills paid. It gives you a sense of comfort.” Paul, 40 years, oesophageal cancer



Who is ALI Group?

Established in 2003, ALI Group is a specialist risk insurance business committed to ensuring people just like you are provided with convenient and timely access to affordable loan protection.

ALI Group delivers quality products that are easy to understand, obtain and claim upon, by means of a simple offer process that allows you to make an informed decision on your need for protection.

ALI Group’s Customer Service Centre is there to help answer any questions or requests regarding your policy. Their in-house claims team will assist you through all stages of the claims process should you need to make a claim and will ensure any valid claims are paid to you by the insurer.

If you would like more information about ALI Group and to hear case studies from ALI claimants go to www.aligroup.com.au.

Important information
This information has been prepared by Australian Life Insurance Distribution Pty Limited (ABN 31 1031 57811) which holds an Australian Financial Services License (AFSL 226 403). Your loan consultant is acting as an authorised representative of the licensee in offering to arrange for you to obtain cover.

Loan Protection Plan is issued by Hannover Life Re of Australasia Ltd ABN 37 062 395 484 (Death, Terminal Illness and Living Benefit) and QBE Insurance (Australia) Limited ABN 78 003 191 035, (AFSL 239545) (Involuntary Unemployment Benefit). ALI receives commission and your loan consultant may receive commission for each policy sold. Please refer to the FSG available from your loan consultant for more information about our remuneration. Any advice provided is of a general nature only and does not take into consideration your

objectives, financial situation or needs. You should consider the Product Disclosure Statement (available at www.aligroup.com.au) when deciding if this product is appropriate for you.

Sources:  1 Cancer Council, Cancer in Australia (2015)

2 Lifewise, Understanding the Social and Economic Cost of Underinsurance (2010)