About Assurance Life Pro: Your Independent Australia Insurance Broker
Welcome to Assurance Life Pro,where Australian resilience meets world-class risk protection. In a market flooded with generic online quotes and automated call centres, we stand apart as your dedicated advocates. We believe that true security comes from understanding, not just algorithm-generated numbers.
As a premier brokerage with a footprint of brokerages across Australia, we combine local insight with national strength. We are proud members of one of the largest networks in the country, a partnership that grants us—and you—exclusive access to over 100 companies and underwriting agencies. This buying power allows us to negotiate policy terms that standard insurers simply cannot offer.
Comprehensive Advice. Real Savings.
Our philosophy is simple: Comprehensive insurance advice should not cost the earth. In fact, the right advice often saves you money by eliminating redundant costs and exposing dangerous gaps in coverage.
We empower you to compare & save without compromising on quality. Whether you are a family looking to protect your home or a CEO managing a complex supply chain, we do the heavy lifting. We benchmark your risks against the entire market, finding the "sweet spot" between premium cost and robust protection.
Our Expertise: 3 Pillars of Protection
Business & Commercial Solutions
For Australian enterprises, we are more than brokers; we are your external risk management team. We understand that a standard policy won't cover a unique business.
SME & Corporate: As a dedicated business insurance broker, we tailor packages for trades, retail, and professionals. For larger, more complex risks, our commercial insurance broker team designs bespoke Industrial Special Risks (ISR) and liability programs.
Logistics & Transit: We keep Australia moving. Our specialists act as your commercial truck insurance broker, ensuring your fleet stays on the road, while our marine insurance broker services protect your cargo from the warehouse to the wharf.
Personal Property & Lifestyle
Your assets are the fruit of your hard work. Don't leave them to chance with a "cheap and nasty" online policy.
Assets: We act as your car insurance broker and home insurance broker, fighting for "agreed value" policies that ensure you get the full worth of your asset if disaster strikes—not a depreciated market rate.
Travel: When you explore the world, we ensure you're covered for the unexpected. Our travel insurance broker service looks beyond the brochure to cover pre-existing conditions and high-risk destinations that credit card policies often exclude.
Life & Health Wellbeing
Your most valuable asset is yourself. We provide the compassionate, confidential advice needed to secure your family's future.
Future Planning: As your life insurance broker, we help you navigate complex structures—including insurance through Superannuation—to find Income Protection and TPD cover that truly pays out when you need it.
Health: Navigating the private health maze is confusing. Our health insurance broker services help you find the hospital and extras cover that matches your life stage, ensuring you aren't paying for clinical categories you don't need.
The Assurance Life Pro Promise
We work for you, not the insurer. From the moment we tailor your first policy to the day we manage a stressful claim on your behalf, we are in your corner.
FAQs on Australia Insurance Broker
What does an insurance broker do, and how are they different from agents?
An insurance broker acts as your professional representative and risk advisor. Unlike an insurance agent, who represents a specific insurance company and sells only their products, a broker works for you. Their legal duty is to act in your best interest. They assess your specific risks, scour the market to find the best policy terms, negotiate premiums, and—most importantly—manage the entire claims process on your behalf if disaster strikes.
Why use a broker instead of buying direct? Is it worth it?
Buying "direct" (online) is fast, but it often relies on generic, "one-size-fits-all" policies. Using a broker is worth it if you value certainty.
Expertise: Brokers understand the fine print (Product Disclosure Statements) that most people skip. They ensure you aren't caught out by hidden exclusions.
Access: Brokers have access to "wholesale" and specialist insurers that do not sell directly to the public.
Claims Advocacy: If an insurer denies a claim, a direct buyer has to fight them alone. A broker uses their leverage and legal knowledge to fight for your payout.
What are the risks or disadvantages of using a broker?
While the benefits are high, there are potential downsides to consider:
Cost: Brokers often charge a "broker fee" for their advice, which can make the upfront premium slightly higher than a cheap online policy.
Speed: Because brokers conduct a thorough market analysis, the process is not instant. It takes time to tailor a solution.
Competence: Not all brokers are equal. The risk is choosing a broker who is not proactive in reviewing your policy annually. It is vital to choose a broker with a strong reputation and an Australian Financial Services Licence (AFSL).
How do insurance brokers get paid?
Brokers are transparent about their remuneration, which is outlined in their Financial Services Guide (FSG). Generally, they are paid in two ways:
Commission: A percentage paid by the insurer (already built into the premium).
Broker Fee: A transparent administration fee charged to the client for the advice and service provided.
What is the process and lead time?
The broker process is thorough:
Discovery: They interview you to understand your assets and liabilities.
Market Tender: They approach multiple underwriters to negotiate terms.
Recommendation: They present a report comparing options.
Placement: They bind the policy.
Lead Time: For simple personal insurance (Car/Home), this can take 24–48 hours. For complex business risks, it may take 1–2 weeks to negotiate custom terms.
What types of insurance do they offer?
Brokers are "whole-of-market" advisors. They can arrange:
Commercial: Public Liability, Professional Indemnity, Cyber, Workers Comp.
Personal: Home, Car, Landlord, Travel.
Life: Income Protection, TPD, Trauma, and Key Person Insurance.
What are the most important questions to ask my broker?
To ensure you are getting the best service, ask:
"Which insurers did you approach for this quote, and why did you recommend this one?"
"What are the major exclusions in this policy I need to know about?"
"If I have a claim, do I call you or the insurer?" (The answer should always be "Call us.")