Insurance Specialists Australia

We are Insurance Specialists Australia, offering appointments from East Brisbane. We explain life, income protection, disability and trauma cover, including general product terms and application steps. We do not provide personal financial advice.

Our product comparisons are limited to a licensee-approved list. We provide general information rather than recommendations based on personal circumstances, and explain the main limitations, application process and contract definitions.

Life insurance may provide benefits on death or specified terminal illness events, subject to its definitions. We explain general product features, such as insured amounts, beneficiaries and underwriting information, to help people understand the purpose of a policy without offering personal financial advice.

Income protection deals with the possibility of losing earnings because of illness or injury. We explain waiting periods, benefit periods and definitions of incapacity. The terms can differ between insurers, and eligibility for payment is assessed under the specific policy.

Total and permanent disability insurance has definitions that distinguish it from ordinary life cover and short-term income support. We describe the intended purpose of these benefits and how the insurer assesses medical evidence, work capacity and specified policy conditions.