PNOlife provides specialist Income Protection and Life Insurance
advice for individuals, families and business owners.



income protection









Total and Permanent Disability (TPD) is paid as a lump sum if you cannot ever work again. Definitions of disability can be occupation specific (such as your Own Occupation) or general in nature (Any Occupation). This form of cover allows you to clear or reduce debt and may provide ongoing financial support for you and your loved ones.


buy - sell


Buy - Sell Insurance pays a lump sum if a business partner exits the business due to a trigger event such as death or permanent disability. The lump sum paid to the business partner or the beneficiary is generally based on their share of the business and should be supported by a legal agreement between the business partners.




PNO can also assist with the full range of general insurance policies that you might need. Our large team has varied expertise to advise you on everything from homes, cars and small business insurance right up to the complex needs of global and ASX listed corporates.



miguel frances director



anthony bourke director


Anthony is an accredited Life Insurance Adviser with over 20 years’ experience and is a founding partner of PNOlife. His philosophy is to minimise the financial risk for his clients through the implementation of well-structured and comprehensive insurance policies.

Anthony holds a Bachelor of Business, Diploma of Financial Services (Financial Planning), is a member of the Financial Advice Association Australia (FAAA) and the Tax Practitioners Board. Prior to establishing PNOlife, Anthony worked in administration, para-planning and advisory roles. Anthony then held Senior Risk Adviser roles with the ANZ Private Bank and was a Director at Anchor Advisory.

PNOlife is a leader in the Income Protection and Life Insurance advice sector protecting over 1,400 clients Australia wide.
The executives within PNOlife have over 50 years of collective experience, working directly with clients and other professional service firms to deliver superior client outcomes in the provision of Insurance advice, service and claims management



about us

The following values drive PNOlife's decision-making process and how PNOlife conducts business.



We are trustworthy and fair people who treat others with respect and dignity. We think before we act. We review the impact of policies with great consideration and ensure it’s the right course of action on every occasion.



The quality of advice, responsiveness and attention to detail is paramount at PNOlife.



Knowledge is power and collective business experience combined with technical industry expertise makes for an unbeatable team


service excellence

We aim to consistently deliver above and beyond client expectations. We are responsive and deliver in a timely manner to enable clients to make important and considered decisions.


enjoyment in what we do

We enjoy longstanding relationships we build with our clients, joint venture partners and the insurers we work with.

We enjoy learning about our clients’ businesses.

We’re passionate about delivering good advice and being there for them when “it” happens.

We enjoy working as a great team.


PNOlife offers a personalised and professional service to ensure our clients are comfortable knowing they will be financially protected when it matters most. As privately owned and independent Insurance advisers, we have access to the entire marketplace to ensure your income, debt and lifestyle commitments are protected by appropriate Insurance solutions.



why PNOlife



contact us










1911 Malvern Road

Malvern East, VIC 3145

P.O. BOX 1423

Darling, VIC 3145