Life Insurance Broker Brisbane
Your Brisbane life insurance broker, protecting what matters most
Why use a life insurance broker?
Brisbane's trusted life insurance broker
Your Dedicated Life Insurance Broker
Katarzyna Urbanik
Director of Morgan Insurance - Senior Risk Adviser - Life Insurance, Income Protection, Trauma, TPD, Key Person Insurances
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
Customer Reviews
Our process
Getting the right life insurance in place is straightforward when you have an experienced adviser managing it for you. Here's what to expect.
Initial conversation
We discuss your situation — your income, mortgage, dependants, and existing cover — to understand exactly what you need and why.
Application & research
We gather your details and compare policies across multiple insurers on your behalf — handling all the paperwork and submissions for you.
Review your options
We present your cover options in plain language — explaining the differences in definitions, premiums, and structure so you can decide with confidence.
Cover confirmed
Once your first premium is processed, your policy schedule is issued and your cover is in force. We're here ongoing for reviews and claims support.
What does Life Insurance Cover?
As your insurance broker, Morgan Insurance can source comprehensive life insurance policies that offer general protection across a range of circumstances, which may include cover against:
Death benefit
A lump sum paid to your beneficiaries upon your passing, to cover debts, living costs, and future expenses.
Terminal illness benefit
Early access to your death benefit if diagnosed with a terminal illness, so you can plan while you're still able.
TPD benefit
A lump sum if you become totally and permanently disabled and are unable to work again.
Trauma cover
A lump sum payment if you suffer a specified serious illness such as cancer, heart attack, or stroke.
Funeral advance benefit
An advance payment to cover immediate funeral and burial costs while the full claim is being processed.
Income protection
Often paired with life cover — replaces a portion of your income if you're temporarily unable to work. Learn more about income protection insurance and how it works.
Do I need Life Insurance?
Deciding whether you need life insurance brisbane depends on several factors related to your personal and financial situation. If you have individuals who rely on your income, such as children, a spouse, or other family members, life insurance can provide crucial financial stability. In the event of your death, life insurance can help cover living expenses, education costs, and other financial needs of your dependents.
Do I need life insurance?
Answer 5 quick questions to find out if life insurance makes sense for your situation right now.
Life insurance for Brisbane tradies
Brisbane's construction and trades sector is one of the most active in Australia right now — Olympic infrastructure, South East Queensland development, and a decade of residential growth have made tradies among the most in-demand workers in the country. But that same physical demand makes the financial consequences of death or serious illness more acute than almost any other profession.
Most Brisbane tradies we speak with have one of two situations: no life insurance at all outside a default super policy they've never reviewed, or a policy taken out years ago that no longer reflects their income, their mortgage, or their family's actual cost of living.
Why default super cover usually isn't enough
Super funds calculate default life insurance on a generic formula — a flat amount or multiple of salary — without accounting for your mortgage, whether you're a sole trader with no sick leave, or what it actually costs your family to live in Brisbane. For a tradie earning $120,000–$180,000 on tools, the gap between what super pays and what your family actually needs is often significant.
What Brisbane tradies should be asking
Your occupation classification affects which insurers will cover you and at what premium. Whether you're an employee or ABN subcontractor affects how a policy is structured. We assess your individual risk, debts, and family needs — and know which insurers price trade occupations most competitively and which policy definitions give you the strongest protection.
Trades we regularly work with
Also considering income protection?
Life insurance covers your family if you pass away. If you're injured on site and survive — statistically far more likely — income protection keeps the mortgage paid during recovery. We handle both and can show you how they work together.
Life insurance for Brisbane real estate agents and property managers
Brisbane's property market has made real estate one of the city's highest-earning professions — but also one of the most income-volatile. Commission-based income, fluctuating settlement volumes, and the reality that most agents are sole traders or small business owners means standard employment safety nets simply don't apply.
The commission income problem
Most insurers calculate cover based on your income — but commission income is assessed differently to salary. If you're earning $150,000 in a strong Brisbane market year but your base is $60,000, some insurers will only insure the base. We know which insurers assess commission income most favourably and how to structure your application to reflect your actual earnings.
Calculated on your real numbers
A Brisbane agent with a $900,000 mortgage, two dependants, and $180,000 in commission income needs a very different structure to what a default super fund provides. We calculate cover based on your actual mortgage, Brisbane household costs, and your income replacement need — not a generic formula.
Principal and agency owners
If you run your own agency or rent roll, life insurance intersects with your business obligations as well as your personal ones. The loss of a principal or key agent can affect client relationships, rent roll value, and ongoing income for your team. We work with Brisbane agency owners to make sure personal life insurance and business protection are structured together — not as an afterthought.
Commission income and income protection
Variable income requires careful structuring — not all policies handle it well. We keep this conversation separate to make sure both your life insurance and income protection are set up correctly from day one.
Life insurance works best as part of a broader protection plan
Life insurance covers your family if you die — but it doesn't replace your income if you're off work sick, protect your business if a key person is lost, or pay a lump sum if you're diagnosed with a serious illness. Most Brisbane clients we work with hold a combination of covers that work alongside each other. If you're reviewing your life insurance, it's worth considering whether any of these sit alongside it.
Income protection insurance
Life insurance pays out when you die — but what if you're too sick or injured to work for six months? Income protection insurance replaces up to 75% of your income while you're unable to work, keeping your mortgage and household running during recovery. Many Brisbane clients hold both policies alongside each other.
Learn about income protectionTPD insurance
Total and Permanent Disability insurance pays a lump sum if you become permanently unable to work — separate to your life cover and critical if you have a mortgage or dependants. TPD insurance can be held inside or outside super and is often structured alongside your life policy for cost efficiency.
Learn about TPD insuranceSMSF insurance
If you hold your super in a self-managed fund, your life and TPD cover needs to be reviewed as part of your fund's documented investment strategy — it's an ATO compliance requirement. SMSF insurance held inside your fund is paid from pre-tax super dollars, making it significantly more cost-effective than personal cover.
Learn about SMSF insuranceKey person insurance
If you run a business in Brisbane, your life insurance protects your family — but who protects the business? Key person insurance pays the business a lump sum if a critical team member dies or becomes disabled, covering lost revenue, loan repayments, and the cost of finding a replacement.
Learn about key person insuranceFrequently Asked Questions
FAQ's
No, a medical exam isn’t always required. For most standard cover amounts, insurers will ask you to complete a health questionnaire covering your age, weight, smoking habits, medical history, and family health history. A full medical exam, including blood tests, urine tests, and a physical is typically only required for higher cover amounts or if you have pre-existing conditions that need further assessment. Your broker will guide you through exactly what’s needed based on your situation.
The process is straightforward. Contact Morgan Insurance Brokers and we’ll arrange a time to understand your situation. We then approach multiple insurers on your behalf, compare policies, and present you with clear recommendations. There are no advice fees for this service. Once you’re comfortable with the recommendation, we handle the application, underwriting, and policy setup from start to finish.
When you buy life insurance direct from an insurer, you’re choosing from one company’s products and assessing the policy wording yourself. A Brisbane life insurance broker accesses policies from multiple insurers, compares them on your behalf. At claim time, a broker also advocates for you rather than leaving you to deal with the insurer alone. There’s no additional cost, brokers are remunerated by the insurer.
No advice fees · Australia wide
Ready to protect your family the right way?
Speak with a specialist life insurance broker today. We'll assess your needs, find compliant and cost-effective cover, and handle everything on your behalf.
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.
