ClearView Wealth Limited
ClearView Wealth Limited is an ASX-listed Australian life insurance company that distributes Life Cover, Income Protection, Trauma, TPD, Child Cover, and Business Expense products exclusively through 5,000+ financial advisers to over 100,000 customers. It exited wealth management in 2024–2025 and was acquired by Zurich in July 2026.
- Company typePublic
- Founded1994
- HeadquartersSydney, Australia
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What ClearView Wealth Limited does
ClearView Wealth Limited is an ASX-listed Australian life insurance company that distributes life insurance products exclusively through a network of 5,000+ licensed financial advisers to a base of more than 100,000 customers. The company's core product range, marketed as ClearChoice, includes Life Cover, Income Protection (replacing up to 70% of pre-disability earnings), Trauma Cover, Total and Permanent Disability (TPD) Cover, Child Cover (up to A$200,000 for children aged 2–18), and Business Expense Cover. Pricing is quote-based on individual risk factors such as age, health, occupation, and benefit amount, with stepped, level, and hybrid premium structures billed annually. The company generates revenue primarily through recurring insurance premiums.
Following a strategic simplification, ClearView fully exited its wealth management business between December 2024 and March 2025: WealthSolutions and WealthFoundations members were transferred to HUB24, the Roll-Over Bond was terminated, the Savings Bond matured, and Managed Investments moved to Human Financial Management. The company also completed a major technology modernization in February 2026, going live with Equisoft/manage, a cloud-based policy administration system that consolidated all in-force life insurance and closed book portfolios onto a single modern platform with zero data loss — positioning the company for AI-enabled cost reduction and digital capability uplift.
ClearView reported strong financial performance in FY25, with in-force premiums of A$413 million as of June 2025, net assets of A$349.8 million, and net cash and investment reserves exceeding A$680 million. The company paid A$181.94 million in claims (1,094 claims) during FY25 and delivered a 77% increase in group underlying NPAT to A$22.1 million in H1 2026. On 31 July 2026, Zurich Financial Services Australia completed its acquisition of ClearView through a scheme of arrangement at A$0.65 per share, valuing the company at approximately A$415 million; ClearView now operates as a subsidiary of Zurich's Australian platform.
ClearView Wealth Limited firmographics
Firmographics- Name
- ClearView Wealth Limited
- Legal name
- ClearView Wealth Limited
- Website
- https://clearview.com.au
- Company type
- Public
- Founded year
- 1994
- Operating status
- Acquired
- Headcount range
- 251–500 employees
- Short description
- ClearView Wealth Limited is an ASX-listed Australian life insurance company that distributes Life Cover, Income Protection, Trauma, TPD, Child Cover, and Business Expense products exclusively through 5,000+ financial advisers to over 100,000 customers. It exited wealth management in 2024–2025 and was acquired by Zurich in July 2026.
- Ownership category
- akta.pro rank
ClearView Wealth Limited industry classification
Industry- Product category
- Life Insurance
- NAICS
- Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Life Insurance (6311)
- akta.pro primary industry
- Whole Life Insurance (FSAIABAA)
Keywords
Where ClearView Wealth Limited is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
ClearView Wealth Limited business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others
Revenue model
- Life Insurance Premiums: ClearView generates revenue primarily through insurance premium payments collected from policyholders. Premiums are calculated based on factors including age, health, occupation, type of cover, benefit amount, and policy duration. The company offers various premium types including variable age-stepped, variable (level), and hybrid premium structures.
- Wealth Management (Divested): ClearView has exited the wealth management business. WealthSolutions and WealthFoundations members were transferred to HUB24 in December 2024 and March 2025 respectively. The legacy Roll-Over Bond has been terminated and Savings Bond accounts have matured.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Variable age-stepped premium (stepped) |
| Subscription | Annual | Variable premium (level) |
| Subscription | Annual | Hybrid Premium |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
ClearView Wealth Limited product offering
Product offeringCore offering
ClearView Wealth Limited underwrites and distributes life insurance products under the ClearChoice range, including Life Cover, Income Protection, Trauma Cover, Total and Permanent Disability (TPD) Cover, Child Cover, and Business Expense Cover. Products are sold exclusively through a network of 5,000+ licensed Australian financial advisers to approximately 100,000 customers, with a supporting cloud-based Equisoft policy administration platform and adviser portals for quoting, application, and policy servicing.
Product overview
ClearView Wealth Limited is an ASX-listed Australian life insurance company that operates primarily as a direct and adviser-distributed insurance provider. The company's core product is ClearView ClearChoice, a flexible life insurance range that includes Life Cover, Income Protection, Trauma Cover, Child Cover, TPD Cover, and Business Expense Cover. The company previously operated a wealth management business (WealthSolutions, WealthFoundations, Roll-Over Bond, Savings Bond, and Managed Investments) but has fully exited this segment, with all wealth products transferred to HUB24 or Human Financial Management Limited as of 2024-2025. ClearView now focuses exclusively on life insurance and related superannuation products (ClearChoice Super), distributed through over 5,000 financial advisers to approximately 100,000 customers.
Differentiator
Problem solved
Functional benefit
Brands
- ClearView ClearChoice: Life insurance product range including Life Cover, Income Protection, Trauma Cover, Child Cover, TPD Cover, and Business Expense Cover.
Products and services
- ClearView ClearChoice Life Insurance Range Flexible life insurance product range distributed exclusively through licensed financial advisers, covering protection against death, terminal illness, sickness, injury and disability for Australian individuals and families. Includes six integrated cover types sold as a family of offerings, with continued cover guarantees, automatic inflation increases and worldwide 24/7 coverage.
- Life Cover Lump-sum life insurance benefit paid to beneficiaries on the insured's death or terminal illness diagnosis, designed to clear mortgages, pay debts and maintain family living standards. Sold via licensed financial advisers to Australian individuals and families.
- Income Protection (IP) Cover Monthly income protection insurance benefit that replaces up to 70% of pre-disability earnings when the insured is unable to work due to illness or injury, with selectable benefit periods. Distributed through licensed financial advisers.
- Trauma Cover Lump-sum trauma insurance benefit paid on diagnosis of serious illness or specified conditions such as cancer, heart attack or stroke, supporting treatment costs, debt repayment and recovery. Sold via licensed financial advisers.
- Child Cover Life insurance cover for children aged 2-18 providing up to A$200,000 benefit for specified serious conditions or in the event of the child's death. Sold via licensed financial advisers.
- Total and Permanent Disability (TPD) Cover Lump-sum total and permanent disability insurance benefit paid when the insured is totally and permanently disabled and unable to work due to illness or injury, funding home modifications, medical costs and ongoing living expenses. Distributed via licensed financial advisers.
- Business Expense Cover Insurance product covering eligible business expenses for up to one year for self-employed individuals and small business owners during illness or injury recovery. Sold via licensed financial advisers.
- ClearView ClearChoice Super Superannuation product issued by HTFS Nominees Pty Limited (trustee of HUB24 Super Fund) that allows members to hold ClearView life insurance within superannuation.
- ClearView ClearChoice Super Rollover Superannuation rollover product issued by HTFS Nominees Pty Limited that enables members to transfer superannuation funds while maintaining ClearView life insurance coverage.
Quantifiable outcome
- A$181.94 million in claims paid in FY25 ($498,461 every working day)
- +4 more outcomes
Companies that use ClearView Wealth Limited
Customer profileNamed customers2 records
Segments2 records
Ideal customer profiles2 records
ClearView Wealth Limited technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature1 record
ClearView Wealth Limited partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- EquisoftcoreClearView implemented Equisoft/manage, a cloud-based policy administration system that consolidates all in-force life insurance and closed book portfolios onto a single modern platform. The migration resulted in zero data loss and positions ClearView for enhanced digital capabilities, AI-enabled cost reduction, and technology-led growth.
Scale indicators10 records
Recent moves10 records
Expansion highlights3 records
ClearView Wealth Limited competitors and assessment
Company assessmentDirect peers
- TAL (TAL Life Limited): Direct competitor — one of Australia's largest specialist life insurers, offering life, TPD, trauma, income protection, and child cover through a similar financial adviser distribution model. Most directly comparable Australian life insurance peer.
- AIA Australia: Major Australian life insurer offering life, income protection, trauma, and TPD cover distributed through advisers and group channels. Overlaps with ClearView's ClearChoice product range and adviser-led GTM.
- Real Insurance Australia: Australian specialist life and funeral insurance provider distributed through direct and adviser channels. Comparable life insurance product range and Australian-only footprint.
- NobleOak Life Insurance: Australian direct and adviser-distributed life insurer offering term life, TPD, trauma, and income protection. Smaller challenger peer with overlapping product set and adviser distribution model.
- Resolution Life Australasia: Specialist life insurance operator in Australia managing closed and in-force life books, including legacy portfolios. Comparable business model focused on life insurance administration and back-book management.
- MLC Life Insurance: Australian life insurance provider (now owned by Nippon Life) offering life, income protection, trauma, and TPD products primarily through financial advisers. Directly comparable product set and distribution model.
Broad incumbents
- Zurich Australia (parent): Zurich Financial Services Australia acquired ClearView in 2026; operates a broader portfolio of general insurance, life, and wealth offerings. Relevant as the parent and as a broader incumbent in the same Australian life market.
- MetLife Australia: Global life insurer with Australian life insurance operations offering life, TPD, income protection, and trauma cover. Comparable product offerings and Australian adviser-channel distribution.
- Allianz Australia Life Insurance: Global insurer's Australian life insurance arm offering life, TPD, trauma, and income protection. Comparable product set but operates as part of a broader multi-line insurance and wealth portfolio.
- BT (Westpac) Life Insurance: Westpac's wealth and life insurance arm offering life, income protection, and TPD cover within a broader financial services platform. Comparable products but distributed through a larger bank-led wealth platform rather than specialist adviser channels.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
ClearView Wealth Limited social profiles
Digital presenceClearView Wealth Limited financial estimates
Financial estimateRevenue estimate
Valuation estimate
ClearView Wealth Limited leadership team
Management profileNumber of profiles
Profiles13 records
ClearView Wealth Limited subsidiaries and ownership
Company hierarchySubsidiaries2 records
ClearView Wealth Limited funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
ClearView Wealth Limited M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about ClearView Wealth Limited
What does ClearView Wealth Limited do?
ClearView Wealth Limited underwrites and distributes life insurance products under the ClearChoice range, including Life Cover, Income Protection, Trauma Cover, Total and Permanent Disability (TPD) Cover, Child Cover, and Business Expense Cover. Products are sold exclusively through a network of 5,000+ licensed Australian financial advisers to approximately 100,000 customers, with a supporting cloud-based Equisoft policy administration platform and adviser portals for quoting, application, and policy servicing.
Is ClearView Wealth Limited a public or private company?
ClearView Wealth Limited is a public company. It is classified as corporate owned and is currently acquired.
When was ClearView Wealth Limited founded?
ClearView Wealth Limited was founded in 1994. It employs 251 to 500 people.
Where is ClearView Wealth Limited based?
ClearView Wealth Limited is headquartered in Sydney, Australia, in the Oceania region.
How does ClearView Wealth Limited make money?
Two revenue lines are on record. Life Insurance Premiums are the primary driver. The others are wealth Management (Divested).
Who are ClearView Wealth Limited's main competitors?
Direct peers on record are TAL (TAL Life Limited), AIA Australia, Real Insurance Australia, NobleOak Life Insurance, Resolution Life Australasia and MLC Life Insurance. Broad incumbents are Zurich Australia (parent), MetLife Australia, Allianz Australia Life Insurance and BT (Westpac) Life Insurance.
Does ClearView Wealth Limited have an API?
No public API is recorded for ClearView Wealth Limited.
What industry is ClearView Wealth Limited in?
ClearView Wealth Limited's product category is Life Insurance. Its primary akta.pro industry code is FSAIABAA, Whole Life Insurance. Its NAICS code is 524113 and its SIC code is 6311.