Insurance brokers operate on behalf of their customers. Insurance brokers understand both the potential risks that an individual or business may face and also the various insurance policy options and insurance providers that exist across the market.

Insurance brokers can help customers with hard to place risks to find an insurance provider that can meet their needs.

Insurance Brokers work for the customer and are independent of the insurers that they engage with on behalf of their clients. Insurance Brokers work for their customers and have their customers' best interests at heart. Insurance Brokers do not work for the insurer. Insurance Brokers help their clients to find and source available insurance that matches their needs and requirements.

Insurance brokers help clients to reduce their risk by sourcing and matching their clients with appropriate insurance products. Insurance brokers work for their customers. Insurance brokers focus on understanding their customers' risks and exposure and their insurance requirements.

With almost 4000 Australian Insurance Brokers on Advisr, Advisr is the best place to find an insurance broker right for you. Asking for recommendations from others in your industry or area is a good place to start in looking for an insurance broker. You can search for that insurance broker on Advisr by name.

You can also search for an insurance broker by the type of insurance you need (insurance category), by your industry or by location depending on what is most critical to you. You can learn more about what a broker is like to work with by reading customer reviews left on Advisr. Educating yourself and reading articles by insurance brokers that explain different insurance lines, or dissect exposure to risk in different industries also helps you to find and select an insurance broker that understands your business or personal risk. We have hundreds of articles on Advisr to help you understand your insurance needs and find an insurance broker right for you.

Health Insurance is private health care that helps to cover your medical expenses. By paying a monthly or annual premium to your health insurer you are entitled to certain levels of cover for different medical and surgical costs. Private health insurance provides cover for items not included in Medicare, the government funded, public health system that provides many health requirements for Australians. Private health insurance also opens up the opportunity to select the provider, hospital and timing that you would prefer, generally giving you much greater control over your health care.

Health insurance consists of two primary types, hospital cover and extras cover.

• Hospital Cover helps to cover the costs of your hospital stay, theatre fees and in-hospital visits with your doctor.
• Extras Cover helps to cover the costs of physiotherapy, optical, dental and chiropractic treatment. Some Extras policies cover alternative treatments such as chinese medicine, or other preventative items such as gym memberships.

The level of cover you choose will determine the amount of money you can claim for any incident, procedure or appointment. Different health insurers will offer very different levels of cover which an insurance broker can help you to navigate.

Health insurance can vary greatly in cost. This generally depends on:

• the insurer you choose
• the level of cover you select
• whether you combine hospital and extras cover
• the excess you opt to pay
• whether you pay monthly or annually

An insurance broker can help you to compare different policies and select the one that gives you the right level of cover at the best price point.

Using an Insurance Broker for your Health Insurance ensures that you have managed your unique risks. Every personal situation is different and an insurance broker can help by assessing your specific risk profile and providing advice on the best insurance cover for you. An insurance broker is able to compare policies from different health insurers and take into account your financial preferences around excesses and payments, any pre-existing medical conditions you may have and what type of cover you will use most.

An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer. So whether you're a triathlete junky, massage lover, cancer survivor or thinking of starting a family, your Insurance Broker can assist you to find the best cover for you.

Advisr has 255 insurance brokers and 30 insurance brokerages specialising in Health Insurance. To find the right insurance broker who specialises in Health Insurance, check out this page for specialist Health Insurance Brokers.

• Read real customer reviews to learn more about them
• Educate yourself about Health Insurance by reading articles written by insurance brokers that explain Health Insurance
• Ask friends or colleagues to refer their Health Insurance broker to you and look them up on Advisr to read their reviews and connect with them.

Advisr is built to help you understand your insurance needs and find an insurance broker that is right for you.

Income Protection Insurance protects your income if you're unable to work due to partial or total disability. It will generally pay up to 85% of your pre-tax income for a period of time to help cover living costs while you recover.

Income Protection Insurance covers your income (paying back up to 85%) in the case that you suffer an injury that leaves you unable to work due to partial or total disability. The definition of partial or total disability is different for different policies and there will be exclusions in place. You should check policy coverage and exclusions with your insurer or insurance broker.

Income Protection Insurance does not cover unemployment or redundancy.

Other types of insurance may cover you for associated difficulties in the case of partial or total disability. This includes Health Insurance, TPD Insurance and Trauma Insurance.

Income Protection Insurance cost is dependent on various factors about you including:

• the income level you want to insure
• your occupation
• your age
• your gender
• lifestyle factors, including if you smoke
• pre-existing conditions

Your Income Protection Insurance premium is also dependent on how you choose to structure your insurance cover, including your choices around:

• waiting period
• benefit period
• whether you pay annually or monthly
• whether you choose a stepped or level premium

Your insurance broker can guide you to choose a cover and policy structure that is right for you. They can shop around with different Income Protection Insurance providers for the best deal for your situation.

Using an Insurance Broker for your Income Protection Insurance ensures that you have managed your unique risks. Every personal situation is different and an insurance broker can help by assessing your specific risk profile and providing advice on the best Income Protection Insurance cover for you.

An insurance broker is able to compare policies from different Income Protection insurers and take into account your financial preferences around excesses and payments, any pre-existing medical conditions you may have and what your occupation is.

An insurance broker will also help when it comes time to claim, advocating for you to negotiate the best outcome in the settlement of your claim with the insurer. So whether you're a doctor or nurse, CEO or builder, your Insurance Broker can assist you to find the best cover for you.

Life Insurance is an insurance policy taken out with an insurer to pay out a specified sum to a designated beneficiary upon the death of the policy holder.

The cost of life insurance will depend on the amount your life is insured for. It will also depend on a number of other factors such as:

• your age
• your gender
• your medical history and pre-existing conditions
• your lifestyle, including smoking
• your occupation

The cost of your life insurance will also depend on factors that are more under your control such as:

• the insurer you choose
• how you choose to pay, eg. annual versus monthly
• if you bundle the policy with any other policies

An insurance broker with experience in life insurance can help you to find the level and structure of cover that is right for you.

Life insurance may provide a lump sum payment to a nominated beneficiary on the occasion of the death of the policy holder.

A standard Life Cover Insurance policy does not cover costs to do with permanent disability or critical illness such as rehabilitation costs, treatment costs or loss of income. Insurance policies such as TPD, Trauma Insurance and Income Protection are the insurance policies associated with disability and critical illness, and they may be referred to as types of life insurance. 

A life insurance broker is able to help you select a life insurance policy that is right for you. A good life insurance broker will take the time to understand your personal situation and use that understanding to recommend one or more life insurance policies from a range of different insurers.

Life insurance brokers also have access to a range of more complex life insurance products to choose from. Working with a life insurance broker may provide you with the optimal level of cover for your unique situation.