image

Expert Life Insurance and Income Protection advice for medical professionals

Scroll down to learn how we can help you

Ray Bostelman

Principal Adviser

Professional, personal and trusted advice for medical professionals

We recognise that providing you with direct access to the Principal Adviser is critical, and is the cornerstone of MedLife


Contact Us

Pic

Why MedLife?

  • why medlife?

    • MedLife understands that doctors and other medical professionals have a unique set of requirements and demand high service levels
    • We know that your time is valuable, and that you need someone that you can trust to take away all of the hassle
    • We carefully select policies that cater for needle-stick injuries, splashback, and blood or bone dust inhalation
    • We recommend policies that allow us to adapt your level of cover with your rapidly changing income
    • We carefully select policies that will deem you ‘totally disabled’ if your income has dropped as a result of HIV, Hep B or Hep C exposure, even if you are still physically capable of working
    • We interpret complex financial structures to maximise your insurable income
    • As complex medical histories are increasingly common, we have fostered underwriting relationships to source the best possible insurance terms for our clients
    • We recommend ‘level premiums’ if appropriate to allow you to remain protected for the long-term at an affordable cost
    • MedLife is not restricted to any one insurer, and has access to all life insurers in the Australian retail market
    • MedLife services doctors and other medical professionals all over Australia
    • We provide advice at a practice level, and consider the needs of all equity partners
    • We consider the needs of your spouse and other family members
  • about us

    MedLife is a boutique Life Insurance practice dedicated to providing tailored personal insurance solutions for doctors and other medical professionals.

    MedLife’s principal adviser is Ray Bostelman. Ray has over 13 years' experience in advising doctors and other medical professionals. A highly-knowledgable personal insurance specialist, Ray is dedicated to providing exceptional advice and service levels. He also has additional training in accounting and finance, and understands the complexities of medical services trusts and SMSFs.

    Ray is married to Emma, and they have 2 young children, Joshua and Jessica. A keen sportsman with a love of the outdoors, Ray combines this by participating in several multi-sport team adventure races each year.

    MedLife services doctors and other medical professionals all over Australia.

  • the process

    Our advice process includes the following steps:

    • Gather all of your personal information to make an assessment on the type and level of cover that you require
    • Review your financial structures and accounts, if appropriate, to maximise your Income Protection benefit
    • Liaise with your other advisers (such as accountants and solicitors) to ensure that all your advice is aligned
    • For pre-existing medical conditions, we conduct a comprehensive underwriting review to get you the best possible terms
    • Research the market to find the best policy features for medical professionals, at a reasonable premium cost
    • Present a tailored initial proposal for discussion and review
    • Carefully structure the ownership of your policies to maximise tax effectiveness and reflect your individual needs
    • Formalise our written advice, and personally complete the insurance application forms with you
    • Carefully manage your application through the underwriting process and handle all of the paperwork
    • Check through your issued policy schedules and produce a personalised summary for your records
    • Conduct a review at least annually to make sure that your cover remains appropriate with your changing needs
    • MedLife is the first point of contact for any claims, and we personally manage all claims through to conclusion
Contact Us
image

What our clients say

  • I first met Ray in early 2006. At the time, I was single and had only been practicing as a dentist for 4 years. I had seen previous advisers but they did not give me the confidence, and I felt that all they wanted to do was to sell me financial products, and were not really interested in looking after my real current and future needs. Ray came in and tailored a package that was specific to my needs, and one that catered for my needs as a medical professional. He was genuine, honest, and listened to my concerns, and did not push to sell me unnecessary products, which I was most impressed with. 10 years down the track, I am now married, have 2 young children, and a busy work schedule. Importantly, Ray has constantly stayed in touch with us and, as my circumstances have changed, he has made sure that our insurance solution has evolved accordingly. We trust Ray implicitly, he is a person with great integrity, and he has become part of our team of specialists that we trust solely for their advice. I would, without hesitation, recommend Ray Bostelman and MedLife to anyone with any personal insurance needs.

    Dr Anthony Mak (Dental Surgeon)
    Sydney woollahradental.com.au
  • Ray Bostelman has been extremely professional in providing advice and finding a suitable policy for both my Life Insurance and Income Protection.  He has always been approachable and extremely efficient in answering questions and queries.  I have found that he continues to update me on the available insurance policies in the market and reviews my financial situation regularly to ensure that I have the most suitable cover for my situation. I would highly recommend Ray Bostelman and MedLife for providing a personalised and specialised service with regards to my personal insurance needs.

    Dr Emily Yeoh (Anaesthetist and Pain Specialist)
    Sydney
  • My partner and I used Ray’s services to arrange several aspects of insurance including Life and Income Protection. It was a smooth and easy process with excellent communication. That meetings were able to be held at our home to suit our young family made things very convenient. I have a rare underlying neurological condition that required complex comparison of products and presentation of my case to panels from the insurers for consideration. I felt this was handled in a very professional and efficient manner to represent my best interests. We would be happy recommending MedLife’s services to other medical or non-medical clients, and feel confident to have protected our family’s finances. 

    Dr Anne (General Practitioner)
  • It was a great pleasure to work with Ray who arranged my personal insurances. He was readily accessible and provided me with valuable insight and knowledge. He offered me information on several choices available and discussed pros and cons of each of those choices. I managed to arrange my IP, TPD and Life Insurance policies to suit my needs in the most cost effective way with his support. I am very pleased with the level of service I received from Ray.

    Dr D. Gunaratne (Psychiatrist)
    Canberra
  • I recently requested Ray review my existing insurance policies, as I didn’t think they were suited to my situation. Ray was easy to work with, and put in the time and effort to implement Income Protection, TPD, and Life Insurance policies that were more appropriate for me. I wouldn’t hesitate to recommend Ray at MedLife to my colleagues looking for insurance.

    Dr Mahesh Jayaratne (General Practitioner)
    Victoria
  • Ray, thank you so much for all your help throughout this process. As you are aware, I have had Income Protection insurance for many years, but have never received the advice and assistance to the same level you have provided. I will happily be recommending your service to anyone I know, as I have found it so valuable.

    Dr Imogen Windle (Rehabilitation Registrar)
    Victoria
  • I am very thankful I requested Ray Bostelman's assistance in arranging Income Protection, TPD and Life insurance. This was a process that appeared to be very difficult to self navigate. With a professional but personal approach, Ray was easy to work with and communication was great. Ray answered questions and concerns quickly, and was able to arrange policies that best suited my circumstances. I would definitely recommend Ray Bostelman and MedLife to anyone looking to arrange or review personal insurance policies.

    Dr Clarissa Martin (General Practitioner)
    New South Wales
  • Ray, thank you for all of your help in setting up my insurance needs. You have made this process very easy and much less overwhelming than I have previously found it to be. I have already started recommending you to my colleagues and friends.

    Dr Terri Biscak (General Practitioner)
    Brisbane
  • Ray from MedLife has been looking after our personal insurances for the last few years and has been fabulous. He is thorough, knowledgeable, very responsive, and very easy to work with. When we were first introduced to MedLife, our personal insurance portfolio was a mess. Ray spent a considerable amount of time meticulously cleaning it up for us, and tailoring the cover to reflect our actual needs. We lead busy lives, and insurance is just one more worry in the background, so it is important that we have someone like Ray who is always working for us, and reviewing our policies and personal situation to make sure that we are always up to date.

    Dr Susan Lee
    Sydney

Types of Cover

  • Income Protection Cover
  • Needlestick Cover
  • Term Life Insurance
  • Total & Permanent Disability Cover (TPD)
  • Trauma / Critical Illness Insurance
  • Business Expenses Cover
  • Partnership Protection & Buy/Sell Cover
  • Key Person Cover

Contact Us

Screenshot
Screenshot

Claims

Let’s face it, no-one ever wants to be in the position where you need to claim! However, if you do, we are confident that our advice process and recommendations will place you in a favourable position.

MedLife will personally handle all claims on your behalf and minimise the stress on you, at an obviously stressful time. Claims are our number one priority and we will always be available to you during this time.

This is when you need your adviser the most, and we step up to deliver on the promise of your insurance cover.

Contact Us
Screenshot

Newly Qualified

Trying to get cover without a stable employment and income history can be frustrating, and can lead to being stuck in a product that doesn’t meet your needs once your earning capacity is realised.

MedLife has access to insurance contracts that are specially designed for doctors and other medical professionals in the following situations:

  • New Graduates
  • New Consultants
  • New Fellows
  • New to Private Practice

In theses situations, we can lock-in a guaranteed Income Protection monthly benefit now, that may be significantly higher than your current actual earnings.

Contact Us Today

Please call or email us today for a review of your existing policies, or to discuss your personal insurance needs.


Level 11, 205 Pacific Highway St Leonards NSW 2065
Mobile: 0410 692 323
Office: 02 8004 1956
Email: ray@medlife.com.au

FOR YOUR OTHER FINANCIAL NEEDS

MedInvesting for all of your Investing needs
MedAccountants for all of your Accounting needs
MedLending for all of your Financing needs