Personal Insurance Broker BrisbaneLife, Income Protection, TPD & Trauma
Life insurance, income protection, TPD and trauma cover arranged by Katarzyna Urbanik, Senior Risk Adviser with 20+ years experience.
No Advice Fees
Is now the right time to protect yourself?
Most Australians take out personal insurance after a major life change. If any of the below sounds like you — it's worth having a conversation.
Just bought a home?
If you can't work, your mortgage doesn't stop. Income protection and life cover ensure your family keeps the roof over their heads.
Just had a child?
A new dependent changes everything. Life insurance ensures they're provided for no matter what happens to you.
Gone out on your own?
No employer. No sick leave. No safety net. Income protection replaces up to 70% of your income if illness or injury stops you working.
Recently married?
Your financial obligations just doubled. Make sure your partner is protected if the worst happens.
Worried about your health?
Trauma cover pays a tax-free lump sum on diagnosis of cancer, heart attack, or stroke — giving you financial breathing room to focus on recovery.
Growing your business?
Key person insurance protects your business if you or a vital team member can't work. Don't let one event unravel what you've built.
Not sure which cover you need? We'll assess your situation and recommend the right policies — no jargon, no pressure, no advice fees.
Talk to a brokerPERSONAL INSURANCES
At Morgan Insurance, we specialise in personal insurance arranged around your life. Whether you need life insurance to protect your family's financial future, income protection to replace your earnings if you can't work, a TPD insurance lump sum if you're permanently disabled, or trauma cover on diagnosis of a serious illness — we compare policies across Australia's leading insurers to find the right fit for you.
There are no advice fees. We're remunerated by insurers, not by you — so our only job is finding the cover that genuinely suits your situation. If you hold a Self-Managed Super Fund, we also arrange SMSF insurance to ensure your fund's members are protected in a tax-efficient, compliant structure.
Speak with a Morgan Insurance today — no jargon, no pressure, just straightforward advice on protecting you and the people who depend on you.
Personal Insurance Solutions
Life Insurance
Protect your family's financial future
Income Protection
Replace your income if you can't work
TPD Insurance
Lump sum cover if you're permanently disabled
Key Person Insurance
Protect your business if a key person can't work
Trauma Insurance
Lump sum cover on diagnosis of a serious illness
SMSF Insurance
Insurance held within your super fund
Services are provided by Morgan Insurance Advisors Pty Ltd (Authorised Representative No. 319449 of HAE Financial Pty Ltd AFSL 501891). Morgan Insurance Advisors Pty Ltd operates separately to Morgan Insurance Brokers Pty Ltd and specialises exclusively in personal risk insurance.
Which personal insurance do I need?
Not sure which policy is right for you? Here's how Australia's four main personal risk covers compare.
| Cover type | What triggers a claim? | Who gets paid? | How it pays | Inside super? | Best for |
|---|---|---|---|---|---|
|
Life Insurance
Protect your family's financial future
|
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| Triggers & pays | Death or terminal illness diagnosis (typically <12 months to live) | Your nominated beneficiaries or estate | Lump sum | Yes | Anyone with dependants, a mortgage, or debts others would inherit |
|
Income Protection
Replace your income if you can't work
|
|||||
| Triggers & pays | Illness or injury that prevents you from working — even temporarily | You directly, as a monthly benefit | Monthly (up to 70% of income) | Limited | Self-employed, sole traders, anyone without sufficient sick leave or savings buffer |
|
TPD Insurance
Lump sum if you're permanently disabled
|
|||||
| Triggers & pays | Permanent inability to work — either in your own occupation or any occupation (depends on definition) | You directly | Lump sum | Yes — commonly held in super | Anyone who relies on their ability to work — especially tradespeople and physical workers |
|
Trauma Insurance
Lump sum on diagnosis of a serious illness
|
|||||
| Triggers & pays | Diagnosis of a specified serious illness — cancer, heart attack, stroke, and 30–40 other conditions | You directly | Lump sum | No — must be held outside super | Anyone who wants to cover treatment costs, time off, and lifestyle changes that other policies won't pay for |
Your Dedicated Personal Risk Insurance Advisor
Katarzyna Urbanik
Director of Morgan Insurance - Senior Risk Adviser - Life Insurance, Income Protection, Trauma, TPD, Key Person Insurances
How Kat Helps Her Clients
I’ve been doing this for over 20 years, and the clients I think about most aren’t the ones with the biggest policies they’re the ones who called me when everything fell apart.
A client of mine, a self-employed builder in Brisbane, came to me after his mate was diagnosed with cancer and couldn’t work for eight months. He’d never thought about income protection before that conversation. We sat down, went through his situation properly mortgage, two kids, wife working part time and put a policy in place that would replace 75% of his income if he ever couldn’t work. Six months later he tore his ACL on site. That policy paid out within 30 days and kept his family afloat for four months while he recovered.
That’s what this work is about for me. Not the paperwork, not the commissions, it’s about the phone calls I get when someone says “Kat, I don’t know what we would have done without you.”
Life is unpredictable. My job is to make sure that when something goes wrong, money is the last thing you have to worry about
EXPERIENCE
20+ years in the financial & insurance industry
LOCATION
Brisbane, servicing Australia Wide
QUALIFICATIONS
- Bachelor of Business
- Diploma of Financial Planning (RG146)
- Advanced Diploma Financial Services
- Tier 2 General insurance compliance
SPECIALISES IN
Life Insurance, Income Protection, Trauma, TPD, Key Person Insurances
Why use an adviser
What you get that you won't find going direct
Buying life insurance direct means dealing with one insurer, one product, and no one in your corner when it matters. Here's what working with Morgan Insurance actually gets you.
Access to more insurers — not just one product
We compare policies across Australia's leading life insurers to find cover that fits your health, occupation, and budget. Going direct locks you into one insurer's terms.
We work with a broad panel of Australian insurers — meaning more options, more competitive premiums, and better policy terms for you.
Claims advocacy — we fight for your payout
If you need to make a claim, we manage the entire process — paperwork, insurer communications, and negotiations. You focus on recovering; we make sure you get what you're entitled to.
Without a broker, you're negotiating with the insurer's claims team alone. With us, you have an experienced advocate in your corner from day one.
Underwriting guidance for pre-existing conditions
Have a pre-existing health condition? Not all insurers assess risk the same way. We know which insurers are more flexible — so you get the best possible outcome, not an automatic exclusion.
Morgan Insurance has navigated underwriting decisions across Australia's major life insurers — we know where to place your risk.
Annual reviews as your life changes
New mortgage, growing family, business expansion — your insurance needs change. We review your cover every year at renewal to make sure it still fits your life, not just the one you had when you signed up.
Most Australians set and forget their personal insurance. We make sure yours stays relevant — never paying for cover you've outgrown or under-insured for what's next.
FAQ's
No. Using a personal insurance adviser does not cost you more than going direct to an insurer. In most cases the premium is the same or lower, because advisers have access to a broader panel of insurers and can negotiate on your behalf. The adviser is paid by the insurer through commission, not by you directly. You get expert advice, policy comparison, and claims support at no extra out-of-pocket cost.
Personal insurance advisers in Australia are typically paid through commission by the insurer when a policy is placed. This means you don’t pay a fee directly for their advice or service. The commission is built into the premium structure and doesn’t increase what you pay. Some advisers may charge a fee for complex advice or ongoing service, but this will always be disclosed upfront in a Financial Services Guide (FSG).
Your insurance should be reviewed whenever your circumstances change — a new mortgage, marriage, divorce, a new child, a change in income, or a new business. Most policies allow you to adjust your cover, and some include guaranteed insurability options that let you increase cover at key life events without new medical underwriting. Letting your policy sit untouched for years is one of the most common mistakes Australians make. A regular annual review with your adviser ensures your cover keeps pace with your life.
A personal insurance broker assesses your financial situation and recommends life insurance, income protection, TPD, and trauma cover from multiple insurers, rather than being tied to one provider. They handle the research, paperwork, and insurer negotiations on your behalf, and support you through any claims.
Get the right personal cover for your situation.
Speak with a personal insurance broker today. We'll compare Life, TPD, Income Protection, and Trauma policies across multiple insurers — tailored to you, with no upfront advice fees.
We are providing you with general advice only and not personal advice. We have not considered your objectives, financial situation or needs before acting on this advice. You should therefore consider the appropriateness of this advice in light of your own objectives, financial situation or needs, before acting on this advice.
We request that you review the enclosed documentation together with your Product Disclosure Statement/s (and Insurance Policy Wording/s) for these insurances when considering whether the cover, conditions and other terms of insurance continue to meet your requirements (including your needs, objectives and financial situation).
The Insurer's Product Disclosure Statement contains important information about the features of this policy and your rights and obligations as a policyholder (including the cooling off period and how to access the dispute resolution system of the Insurer). The Product Disclosure Statement/s were given to you when you originally applied for or last renewed the policies. If you require more copies, please do not hesitate to ask us.
