Locally Owned

Townsend Insurance Services have been based on the Sunshine Coast for over eighteen years. Tony and Lynda recently retired and entrusted their valued clients Ryan Dean, another Sunshine Coast local. Ryan has over 23 years of experience in the Life Insurance industry and is keen to uphold the high levels of customer service and care established by Tony, Lynda and the team at Townsend Insurance Services.

Townsend Insurances Mudjimba

Townsend Insurances

Ryan Dean, Advisor

Corporate Authorised Representative of Bombora AFS Licence 439065

Ryan has over 23 years of experience in the insurance industry. After completing high school, Ryan worked for various insurance companies in different roles, gathering invaluable experience. Ryan then worked for an adviser as an administration officer, gathering more experience at the ground level, before becoming an adviser.

A few years spent travelling in Australia and then overseas saw Ryan return to in the insurance industry again as an adviser. After searching for right opportunity to invest in a business, Ryan was introduced to Tony and Lynda and luckily they felt he was the right person to entrust their valued clients to.

Ryan is authorised to provide advice and deal in the following specific products:


Life Insurance


Business Expense Insurance


Total and Permanent Disability Insurance


Buy/Sell/Key Person Insurance


Trauma Insurance


Personal Superannuation


Income Protection Insurance


Superannuation Rollovers

Nicola Newberry

Nicola Newberry, Paraplanner

Nicola has a Bachelor of Education (Hons) Degree and was a primary school teacher in the UK. Since arriving in Australia, she has worked in Executive Support roles for the government.

Nicola has been with Townsend Insurance Services for over ten years and prepares Statements of Advice detailing insurance recommendations for our clients. She is renowned for her meticulous attention to detail .

Audra Zammit, Administration

Audra has been working in the Financial Services Industry for over 10 years and is responsible for Client Services and General Administration. Audra joined Townsend Insurance Services in October 2019.


As we grow older, get married, build families and start businesses, we come to realize more and more that life insurance is a fundamental part of having a sound financial plan.

Here are a few other reasons why having life insurance is important.

  • To Protect Your Family and Loved Ones.
  • If your loved ones depend on your financial support for their livelihood, then life insurance is a must, because it replaces your income when you die.

  • To Leave an Inheritance
  • Even if you don’t have any other assets to pass to your heirs, you can create an inheritance by buying a life insurance policy and naming them as beneficiaries.

  • To Pay Off Debts and Other Expenses
  • In addition to providing income to cover everyday living expenses, your family needs insurance to cover any outstanding debts, like the mortgage, credit cards, car loans and even funeral and burial costs.

  • To Add More Financial Security
  • Like most parents you probably want to know your kids will be well taken care of when you’re gone. The extra funds from your life insurance policy will help ensure they are.

  • To Bring Peace of Mind
  • Life insurance protects your heirs from the unknown and helps them through an otherwise difficult time of loss