At PNOlife, we prepare and protect you and your family from the unexpected. We help our clients prosper in life despite the potential devastating financial impact of illness, disability and/or death.


With more than 20 years experience specialising in personal and business risk management, we provide expert strategic advice to a variety of clients including small to large business owners, their employees, individuals and families.


PNOinsurance delivers tailored personal insurance solutions to provide financial security when it matters most. We have access to all insurers in the Australian market and ensure the most appropriate provider is chosen to meet each client’s personal and business circumstances.


At PNOlife, we understand the vital details of well-structured and comprehensive insurance policies. We minimise the financial risks for our clients in tragic circumstances, which may affect their ability to earn an income. Services include:


      Life Insurance

      Total & Permanent Disablement

      Trauma Cover (critical illness)

      Income Protection

      Group Insurance

      Key Person cover

      Business Succession funding (Buy/Sell agreements).


If you answer yes to any of the following four questions, we guarantee that a no obligation initial consultation will prove worthwhile.


  1. In the case of an unexpected critical illness or disability to you or your family members, would generating income and paying debts become challenging and potentially unmanageable?
  2. Do you wish to maintain your current lifestyle in the case of unexpected circumstances or disaster?
  3. Could you and your loved ones survive on your existing assets for an extended period?
  4. Would you like peace of mind that you have safeguarded for the future?



Ground Floor, 1911 Malvern Road,

     Malvern East, Victoria, 3145

     P.O. BOX 1423, Darling, VIC, 3145

t    +(61) 3 9536 7333
f    +(61) 3 9536 7399

17 Stanley Drive,

      Somerton, Victoria, 3062

t     +(61) 3 9930 1000