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.

Get a Quote
★★★★★
500+ Google Reviews
ASIC Number 319449
20+ Years Experience

PERSONAL INSURANCES

We are your trusted partner in safeguarding your future. As specialists in Income Protection, Life Insurance, Trauma Insurance, and TPD Insurance, we are committed to providing tailored solutions that cater to your unique needs. Our expertise lies in understanding the intricacies of these insurance types and leveraging this knowledge to offer you the most comprehensive coverage. Trust us to be your guiding light in navigating the complexities of insurance, ensuring you and your loved ones are protected against life’s unforeseen circumstances.

Personal insurance solutions

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.

Compare Cover Types

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
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
Not sure which cover suits your situation? Katarzyna will walk you through your options in a free 20-minute call — no obligation.
Get a Free Quote →

Your Dedicated Personal Risk Insurance Advisor

Katarzyna Urbanik

Katarzyna Urbanik

Director of Morgan Insurance - Senior Risk Adviser - Life Insurance, Income Protection, Trauma, TPD, Key Person Insurances

Email Kat

Call Kat Directly

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 Katarzyna 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.
This is where an experienced adviser earns their value. Katarzyna has 20+ years navigating underwriting decisions across Australia's major life insurers.
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

Does it cost more to use a personal insurance adviser?

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.

How does a personal insurance broker get paid?

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).

What happens to my policy if my life changes?

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.

What does a personal insurance broker actually do?

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.