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Protecting what matters most.

Over 60% of Australians are dangerously underinsured, leaving their families vulnerable to the unexpected. Don't wait for a crisis to secure your future.
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Protecting your family and your hard-earned financial security is a deeply personal journey. Let us help you safeguard your world, so you can focus on enjoying today, knowing tomorrow is secure.
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Built on relationships. Focused on your future.

At Future Insurance, we believe that protecting what matters most starts with a real relationship. For nearly 20 years, Tony Townsend built Townsend Insurance Services on the Sunshine Coast on a simple promise: personal, client-focused advice. To Tony, clients weren’t just numbers—they became lifelong friends.
When health challenges meant it was time for Tony to pass the torch, he was uncompromising in finding a successor who shared his absolute dedication to people. He found that perfect alignment in Ryan Dean.
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Ryan founded Future Insurance Group in Melbourne back in 2007. Today, backed by a dedicated team across the Sunshine Coast and Melbourne, Ryan and the team use modern technology to look after families and businesses across both communities with the exact same warmth, integrity, and care.
Our mission remains unchanged: to safeguard your family, your income, and your financial security. Because we have access to almost every major life insurance company in Australia, we don’t believe in one-size-fits-all solutions. We find the exact cover that fits your unique life story.

Explore your options

Our years of professional experience will help you to obtain the most appropriate insurance for yourself, your family and your business.
personal protection insurance

Personal Protection

Whether it is protecting yourself or your family, having the right forms of personal life insurance is vital.

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Business Protection

Any business that has more than one owner, a Key Person (or Key People), or business debt, needs to protect itself.

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Life Insurance & TPD

Life insurance provides a lump sum in the event of death or the diagnosis of a terminal illness.

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Trauma Insurance

Trauma Insurance provides a lump sum payment in the event you suffer a specified medical trauma.

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Income Protection

Income Protection provides a replacement income if you are unable to work due to illness or injury.

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Business Expenses

Business Expenses insurance covers set business expenses if you are unable to work due to illness or injury.

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Why choose Future Insurance Group?

30+ Years of Legacy: Built on a trusted foundation of personal, client-focused advice on the Sunshine Coast and Melbourne

Highly Respected Firms: Bringing together two established businesses known for exceptional service, integrity, and professionalism

Whole-of-Market Access: We compare almost every major Australian life insurance company to find your perfect fit

Tailored Protection: No generic packages—just highly personalised strategies for your family, income, and business