Testimonial


“As a former Olympian, my body has taken its fair share of stress. However, I still train daily in my Olympic discipline and compete regularly on an amateur basis. On approaching a number of insurers for disability insurance cover, we were knocked back with their desire to impose an exclusion on my policy.

This could have resulted in a significantly detrimental outcome were I to claim in the future. Through thorough research, determination and liaison with my health care providers, Tony successfully negotiated with reputable insurance company underwriters to secure me outstanding insurance cover that meets my needs, with no exclusions or loadings being imposed.

I would like to thank Tony for his skill, expertise and persistence in finding the best possible insurance solution for me and my family”

Testimonial on 23rd June in NSW

Experien Financial Services is headed up by Tony Snoyman. With over 25 years’ experience in the financial services sector across the life insurance and the wealth management industry, Tony has provided superannuation advice to individuals, corporations and government. Tony has worked for some of the most respected and largest superannuation consultancies both in Australia and abroad.

We would love to be your trusted advisor. Click HERE to get in touch to book an free introductory consultation. Contact us on Tel: 1300 417 020

The information provided contains general information and examples and does not take into account your personal objectives, financial situation or needs.

Life insurance and Financial Advice services are provided by Experien Insurance Services Pty Ltd (EIS) ABN 99 128 678 937 and Experien Financial Services Pty Ltd (EFS) ABN 32 631 346 757. EIS and EFS are a Corporate Authorised Representative (No. 320626 and No. 1274354) of Affinia Financial Advisers Limited ABN 13 085 335 397 AFSL No. 237857. See our website for our Financial Services Guide. Always read the Product Disclosure Statement issued by an Insurer before considering insurance



We like to think our Financial Planning process is slightly different to the norm.  Our Scenario Planning uses an actuarial modelling tool to calculate millions of possible investment scenarios, returns and longevity outcomes to show you the likelihood of achieving your financial goals.  One of our clients had this to say of the process :

“The second hat that Tony – our Experien Financial Planner – wears (in addition to his Financial Planner hat) is that of an Actuary.  We wanted to work with an Actuary because the bulk of our wealth (like many) is tied up in property.  We needed to know how long to hold and when to sell our 3 investment properties to transition to retirement.  Tony modelled our financial future till aged 90 !  He showed us a path to retirement that forecasts a higher standard of living than we expected.  We’re now closing in on our last decade of work with a solid financial plan for the future.  Thanks, Tony!”

Contact us to prepare a financial plan for you taking into account your unique goals, objectives and financial circumstances.

Experien Financial Services is headed up by Tony Snoyman. With over 25 years’ experience in the financial services sector across the life insurance and the wealth management industry, Tony has provided superannuation advice to individuals, corporations and government. Tony has worked for some of the most respected and largest superannuation consultancies both in Australia and abroad.

We would love to be your trusted advisor. Click HERE to get in touch to book an free introductory consultation. Contact us on Tel: 1300 417 020 or email us at



We recently helped a Dentist in NSW to lodge and receive a claim for her Income Protection Insurance. This type of insurance can replace some of your lost income if you are ill or injured and unable to work.  This was her feedback :

“Tracey has consistently reviewed my situation each year. She’s always very helpful and professional. Unfortunately, I have been through a few health issues for the past 3 years. Tracey made the Income Protection Insurance claim process always quick and easy, respecting my limitations which I appreciated so much. Thank you Tracey ! Fully recommend her.”

Dentist in NSW – May 22

Contact us for a complimentary review with no obligations.

The information provided contains general information and examples and does not take into account your personal objectives, financial situation or needs. Note that the policy wording will differ from insurer to insure and loadings, exclusions and other limitations may apply by the insurer to each applicant on a case by case basis.

Life insurance and Financial Advice services are provided by Experien Insurance Services Pty Ltd (EIS) ABN 99 128 678 937 and Experien Financial Services Pty Ltd (EFS) ABN 32 631 346 757. EIS and EFS are a Corporate Authorised Representative (No. 320626 and No. 1274354) of Affinia Financial Advisers Limited ABN 13 085 335 397 AFSL No. 237857. See our website for our Financial Services Guide.  Always read the Product Disclosure Statement issued by an Insurer before considering insurance



We helped a dentist in Victoria recently to claim on her income protection insurance policy after she fell and broke her arm. This was her feedback :

“After breaking my right arm, having fallen over going for a morning run, I could not work as a dentist for 6 weeks. Thankfully, my income protection insurance covered a 2 month pay out for right hand and arm injuries. After receiving the medical report and x-ray, Farrell Spungin from Experien Insurance Services organized everything seamlessly and my money was received within a few weeks of the injury. Farrell was professional, incredibly helpful and a delight to deal with. Thank-you very much Farrell.”

This is general information. Each person has different needs so contact us today to find out more and to see how it may apply to you.  Life insurance and Financial Advice services are provided by Experien Insurance Services Pty Ltd (EIS) ABN 99 128 678 937 and Experien Financial Services Pty Ltd (EFS) ABN 32 631 346 757. EIS and EFS are a Corporate Authorised Representative (No. 320626 and No. 1274354) of Affinia Financial Advisers Limited ABN 13 085 335 397 AFSL No. 237857.



We have been helping to manage an Income Protection Insurance claim for a young dentist who has been on claim for 2 years with a severe back injury. Having helped our clients get insurance claims paid of over $100m to date, we were proud of his feedback as shown below :

“I have an income protection insurance policy with ClearView which I took out in 2016. I heard of a colleague who recently graduated and started to work, but got in a serious injury and had to change profession. I love my profession and I love what I do. I got income protection insurance with ClearView that Mark Sacks – who is my broker from Experien Insurance Services – arranged for me , even though I did not think I would be unlucky one day and had to make a claim. I had a good salary, and wanted to protect it in case the unexpected happened. Mark was knowledgeable and patient when I was signing up with the insurance.

His service was even more exceptional when I had to claim. I have never received such care and empathy from an insurance broker. He spent a lot of time guiding me and helping me fill out forms when it was the worst time in my life in terms of health. I think he went beyond his job description to help out a client at a time of need.

The monthly claims have mostly been smoothly processed over the last 2 years now, and I have been very happy with my choice with ClearView Income Protection that Mark recommended was best for me at that time. This policy has brought a peace of mind for me at a time when other things in my life were disruptive and chaotic due to my sudden change of health and lifestyle.

I have been recommending ClearView income protection to my colleagues even before claiming from the insurance; and I still do. I highly recommend Mark Sacks at Experien Insurance Services to look after your income protection and life insurance needs. I really don’t know what I would have done without you and this cover. Thank you Mark.”

This is general information and you should not act on it, or rely on it, without obtaining personal advice. Always read the product disclosure statement issued by an insurer before considering to take out insurance. Life insurance and Financial Advice services are provided by Experien Insurance Services Pty Ltd (EIS) ABN 99 128 678 937 and Experien Financial Services Pty Ltd (EFS) ABN 32 631 346 757. EIS and EFS are a Corporate Authorised Representative (No. 320626 and No. 1274354) of Affinia Financial Advisers Limited ABN 13 085 335 397 AFSL No. 237857.



“No words of thanks and gratitude would be enough for having the support of Lloyd Levin from Experien Insurance Services.

You see, Experien, are insurance specialists who deal with Income protection, Life insurance to name just a few, of which I would like to focus on and tell you about, simply because I do not want healthy young person who is working full time, to not be insured.  At the end of the day, regardless of your position, your living expenses always add up the bills keep coming.

Initially, when we started looking into income protection and life insurance as healthy individuals, many, many years ago, our thought process was as follows;

1. Nothing would happen to us, so why do we need it?
2. How are we going to pay it, only to find out that both insurances are tax deductible.

I am here to say, thank goodness Lloyd Levin was here to help us of which we did get the insurances we needed!

My husband at the age of 52 was sent home to die with a rare genetic condition that globally no medical specialist has a cure for, let alone be able to identify triggers that will cause it to happen again.

The hospital discharged my husband with the words, “go home and get your house in order, it is not a matter of if it will happen again, but when!”

Hence that was when I rang Lloyd, devastated and shattered with the news about my husband.  Lloyd Levin supports you and is there with you every step of the way and continues to be with us.

He helped us work through what needs to be done, giving us, peace of mind, that at least our bills are paid and we can keep our home, because of the salary insurance we put in place many, many years ago, when times were healthy and great…….So, the message, I can not emphasise enough, is you just never know, when your whole world as you knew it, turns upside down into one horrible ongoing roller coaster nightmare into the unknown world rare genetic conditions, hence having peace of mind with the ongoing support of Lloyd Levin and the “Experien Team”, is invaluable.

I would highly recommend you seeking his advice and putting into action all things insurance.”

Client in Melbourne

This is general information. Each person has different needs so contact us today to find out more and to see how it may apply to you.  Life insurance and Financial Advice services are provided by Experien Insurance Services Pty Ltd (EIS) ABN 99 128 678 937 and Experien Financial Services Pty Ltd (EFS) ABN 32 631 346 757. EIS and EFS are a Corporate Authorised Representative (No. 320626 and No. 1274354) of Affinia Financial Advisers Limited ABN 13 085 335 397 AFSL No. 237857.



“Lloyd has looked after us for years. It was only after sustaining an injury this year, that I was able to see his experience in the industry come to full effect. He helped me navigate the Income Protection Insurance claims process to completion, with no fuss or delay, and provided expert advice and support along the way which was very much appreciated.”

This is general information. Each person has different needs so contact us today to find out more and to see how it may apply to you.

Life insurance and Financial Advice services are provided by Experien Insurance Services Pty Ltd (EIS) ABN 99 128 678 937 and Experien Financial Services Pty Ltd (EFS) ABN 32 631 346 757. EIS and EFS are a Corporate Authorised Representative (No. 320626 and No. 1274354) of Affinia Financial Advisers Limited ABN 13 085 335 397 AFSL No. 237857.



Principle Dentist / Practice Owner / Regional NSW / Jan 2022

Total And Permanent Disability Claim Of Over $1m and ongoing monthly Income Protection Insurance Claim

“This is an overview of our journey through the biggest disaster in our life. Also a hopeful guidance to get educated and find professional help in a field you did not study or have in depth knowledge.

I can do an implant easily but insurance it’s just all mumbo-jumbo for me.

I also have no time for insurance and admin, as a professional owning a dental practice, you need to do the dentistry on top of the Admin/ Business relate task that comes with the “owning the Practice” privilege.

As many of you know there is a lot of hours on the side that go into running your practice. Believe me I Love dentistry I don’t love business or HR/Admin that’s why I studied dentistry right.

The Start: All was fine we found the perfect dental practice and jumped right into it. As usual all was very exciting and new so we embraced the challenges and had our own little Paradise. It actually went so well that we opened up a second dental practice and we were running 2 successful dental locations Living the Dream . We had a stable team with fantastic Patients all looking really Awesome/ we were blessed.

Than the unimaginable l happens ( no not Covid 19 ) far worse for me. I went to my Doctor and got told “Il be just upfront with you. You will never work as a dentist again. ” Flat-line Speechless I did not even Cry >> Just that shock<<.

I was at a breaking point. Working for 15 years very very hard and then get told “GAME OVER” and not on our wrongdoing, like Bad Business decisions, it is very hard on the mind and pulls the rug away under you.

The Panic what happened to my Family My Awesome Team , my Patients my EVERYTHING?

So we looked at our options. Now the “Knights in Shining Armour” came more in deep into our live. AKA The Experien Team . Our Helpers when we needed help the most in a field we have no knowledge or control off.

Luckily We had Insurance, and thank you to the Experien team – a Good one. As typical we did not like insurance or like talk about it or PAY for it, but thankfully we had it. Thanks to the Experien team’s advice we were covered with our 2 Businesses and we had TPD and income Protection insurance. I still remember the first phone call to Experien, from there on we had a great Captain- Alex Kambos and His Team To sail us through the rough waters of insurance lingo, demands for medical testing and all the hops and loops that came with the claim (believe me it’s not easy to keep track). Just to follow the guide of the professionals made it more manageable , but do it without the help I doubt we would have the outcome we had.

The Phone call that our claim was approved made the difference for living in poverty to being OK with the “Game Over” verdict from the different Doctors.

I can’t praise the whole Journey with Alex Kambos and his team from Experien too high. We were so happy that we were covered and that the team is still looking after us, after the TPD Claim and for the ongoing Income Protection insurance claim.

Having Experien in our lives was for us the best. The biggest step that does not get credit is that we HAD an insurance for this event if not for the Advice From Alex 6 years ago we would have lost probably everything we worked so hard for.

Get Advice on Your insurance and just Pay it. hopefully you never need it, but when it is a Live changing advice and has after the fact such an importance.

Again I would like to thank you the Experien Team deeply from my Heart and cant Praise them enough.”THANK YOU”.I hope this helps other Colleagues to be on the Safe side.”

Life insurance and Financial Advice services are provided by Experien Insurance Services Pty Ltd (EIS) ABN 99 128 678 937 and Experien Financial Services Pty Ltd (EFS) ABN 32 631 346 757. EIS and EFS are a Corporate Authorised Representative (No. 320626 and No. 1274354) of Affinia Financial Advisers Limited ABN 13 085 335 397 AFSL No. 237857. See our website for our Financial Services Guide.  Always read the Product Disclosure Statement issued by an Insurer before considering insurance


“When I sold my dental practice to a corporate for a large sum I decided I didn’t need income protection anymore even though I was intending to work for another 12 years.

Fortunately Mark from Experien Insurance Services took the time to go through the policy with me again and explain its benefits. As a result of that conversation I decided to keep the policy and I’m so glad I did because 3 years later I suffered what is likely to be a career ending eye injury.

I contacted Mark and he guided me through the claims process. Once the insurer received all the necessary documents from the specialist they started paying out every month and it’s now been over a year.

I cannot thank Mark and his team enough for helping me choose the right policy & convincing me to keep it.

It’s been a very stressful time in my life but at least I don’t have any financial concerns thanks to the income protection.”



“15 years ago I took out a trauma policy on Lloyd Levin’s advice, never thinking I would use it.

I recently suffered a heart attack and within 7 days Lloyd had the policy paid out in full.

Lloyd made the process easy and efficient during this hard time.

I highly recommend Lloyds advice and service.”

41 year old male, IT professional