Life, Health & Income Protection Broker: Safeguarding Your Future
We often spend hours researching insurance for our cars and homes, yet we leave our most valuable asset—ourselves—exposed. Your ability to earn an income and your physical health are the engines that power your lifestyle. If that engine stops, does your family have a backup plan?
At Assurance Life Pro, we provide sensitive, comprehensive advice to help you build a financial safety net. As your dedicated Life & Health Insurance broker, we act as your guide through the complex world of personal risk. We don’t just sell policies; we structure tax-effective protection plans that ensure your mortgage is paid, your children are educated, and your lifestyle is maintained, no matter what life throws at you.
Financial Security Beyond the Unexpected
Buying life insurance products directly from a TV ad or superannuation fund often results in “default” cover that is riddled with exclusions or insufficient limits. We take a holistic view. We assess your debt, your family structure, and your future goals to design a protection portfolio that delivers certainty when you need it most.
Protecting Your Income & Livelihood
If you couldn’t work tomorrow, how long would your savings last? For most Australians, the answer is “not long enough.”
Income Protection Broker Services
Your income is the foundation of your life. Our Income protection broker services are designed to secure up to 70% of your monthly earnings if you are unable to work due to illness or injury. Unlike standard policies, we can advise on “Agreed Value” vs. “Indemnity” contracts, waiting periods that suit your cash flow, and tax-deductible premium structures. We ensure the definition of “disability” in your policy is robust, so you get paid when you legitimately can’t do your job.
TPD Insurance Advice (Total & Permanent Disability)
Some injuries or illnesses are life-changing. TPD insurance advice is crucial for anyone with debt or dependents. This cover provides a lump sum if you are permanently disabled and unlikely to work again. The “definition” of TPD is critical—a cheap policy might only pay out if you can’t do any job, whereas a quality broker-advised policy covers you if you can’t do your own job. We help you find the latter.
Protecting Your Life & Health
We prepare you for the difficult moments so your family can focus on each other, not on the bills.
Life Insurance Broker Expertise
It is a conversation no one wants to have, but it is the most responsible action you can take. As your Life insurance broker, we calculate the true cost of securing your family’s future—clearing the mortgage, funding education, and replacing lost lifetime income. We can also advise on structuring life insurance inside your Superannuation to manage cash flow, versus holding it personally for faster access.
Trauma Insurance Broker (Critical Illness Cover)
Modern medicine saves lives, but recovery is expensive. Trauma insurance broker services (often called Critical Illness cover) provide a tax-free lump sum if you are diagnosed with a major medical event like cancer, heart attack, or stroke. Unlike TPD, you don’t have to be permanently disabled to claim. This cash injection allows you to pay for specialist medical treatment, reduce work hours to recover, or pay off debt while you focus on getting better.
Navigating the Medical System
The public system is excellent for emergencies, but for quality of life and elective surgery, private cover is essential.
Health Insurance Broker & Private Cover Comparison
Australia’s private health system is complex, with Gold, Silver, and Bronze tiers that can be confusing. Our Health insurance broker team simplifies this. We conduct a detailed Private health insurance comparison based on your life stage—whether you are planning a family, need orthodontic cover, or require aged care support. We ensure you aren’t paying the “Lifetime Health Cover Loading” penalty or wasting money on clinical categories you will never use.
Why You Need an Advisor, Not Just a Policy
Personal insurance is legal, medical, and financial advice rolled into one.
We manage the underwriting: We fight to get you covered on standard terms, even if you have pre-existing health issues.
We manage the claim: At your most vulnerable time, we handle the paperwork and negotiations with the insurer to ensure your payout is swift.
FAQs on Life, Health & Income Protection Broker
Can I just rely on the life insurance in my Super fund?
You can, but it is often risky. Default Superannuation insurance is usually "unitised," meaning the cover amount decreases as you get older, right when you need it most. It also often has stricter definitions for claims (especially TPD) compared to a retail policy. As a Life insurance broker, we can review your Super policy to see if it actually meets your needs or if it is full of gaps.
What is the difference between Income Protection and TPD?
Income protection broker policies pay a monthly salary (usually 70% of your income) temporarily while you recover from an illness or injury. TPD insurance advice relates to a lump-sum payout if you are permanently disabled and can never work again. Most comprehensive plans include both: Income Protection to pay the daily bills, and TPD to pay off the mortgage.
Is Trauma Insurance worth it?
For many Australians, Trauma insurance broker services provide the most "claimed on" policy. Statistics show that 1 in 2 Australians will suffer a cancer diagnosis or heart event in their lifetime. Trauma cover gives you a lump sum of cash (e.g., $100k or $200k) upon diagnosis. This money buys you options—like taking a year off work or paying for non-PBS drugs—that standard health insurance doesn't cover.
Do I need a broker for Private Health Insurance?
Yes, if you want to save money and avoid "junk policies." A Private health insurance comparison via a broker allows you to filter through hundreds of policies to find one that matches your specific health needs (e.g., IVF, joint replacement, or dental). We can also ensure you structure it correctly to avoid the Medicare Levy Surcharge.
Are my insurance premiums tax-deductible?
It depends on the policy. Generally, Income Protection premiums are 100% tax-deductible for individuals. However, Life, TPD, and Trauma premiums are generally not tax-deductible unless structured through Superannuation or a business. We can work with your accountant to structure your policies in the most tax-effective way.