Why Mortgage Brokers Should Partner with Surety Advisers to Offer Life Insurance Solutions
Meta Description: Mortgage brokers can protect their clients and generate new revenue by partnering with Surety Advisers to offer life insurance through a referral or joint venture model.
Mortgage brokers play a critical role in helping clients secure their biggest financial commitment—buying a home or investment property. But once the loan settles, many clients are left financially exposed if something unexpected happens.
By partnering with Surety Advisers, mortgage brokers can ensure clients have access to appropriate life insurance solutions to protect their debt obligations and their families. Whether you want to refer clients or build an equity-based advice business, we offer two partnership options: a Simple Referral Agreement or a Joint Venture model.
Why Life Insurance Matters for Mortgage Clients
A mortgage is often the largest debt a person will carry in their lifetime. Without adequate life insurance or income protection, surviving family members may struggle to meet repayments if the borrower passes away or becomes unable to work due to illness or injury.
As a trusted mortgage broker, offering or facilitating access to life insurance demonstrates a duty of care and helps protect your client’s home, lifestyle, and loved ones.
1. Simple Referral Agreement – Protect Clients, Earn Commission
This model is ideal for mortgage brokers who want to protect their clients without dealing with compliance requirements or insurance licensing.
How it works:
- Refer your clients to Surety Advisers via our secure, compliant process.
- Our expert team provides tailored life insurance advice and implementation.
- You receive a referral commission on each successful engagement.
Benefits:
- Protect your clients’ loan commitments and their families.
- Increase client satisfaction and trust by offering a complete solution.
- Earn additional passive income without increasing your workload.
- Stay focused on finance while we handle the insurance advice.
2. Joint Venture – Build a Co-Branded Insurance Offering
Mortgage brokers looking to expand their value proposition and build a long-term business asset can co-create a life insurance business with Surety Advisers.
How it works:
- You and Surety Advisers jointly form a life insurance advice business.
- We handle licensing, compliance, and service delivery.
- You provide strategic input and client access.
- Revenue and business equity are shared.
Benefits:
- Offer a full suite of protection products under your brand.
- Deepen client loyalty and lifetime value.
- Create a scalable revenue stream aligned with your mortgage practice.
- Own part of a financial services asset that grows over time.
Why Surety Advisers?
Surety Advisers has over 20 years’ experience helping Australians protect their income, assets, and families. We understand the dynamics of the mortgage process and how to work seamlessly with brokers.
Our advice is fully compliant, our process is transparent, and our commitment is to support—not compete with—your client relationships.
Final Thoughts
With clients taking on large debt, life insurance is more than a good idea—it’s essential. By partnering with Surety Advisers, you protect your clients and enhance your business model.
Talk to us today to find out which partnership model best suits your mortgage brokerage.
