• Chisholm NSW 2322, Australia
  • Mon - Fri : 09.00-17.00
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Trusted Insurance Solutions for Australian Families.

Life is unpredictable, your financial protection shouldn’t be. Our experienced advisors help you choose the right life, income, and critical illness cover to protect your family, your income, and your peace of mind

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Your Partner in Building a Secure Future

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How it Works
  • Life Insurance
  • Income Protection
  • Total & permanent Disability Cover
  • Critical Illness Insurance
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Years of Experience

Decades of expertise in personal insurance advice and support.

About A1 Insurance

Who We Are

A1 Insurance is committed to helping Australians protect what matters most. Built on professional expertise and integrity, we provide tailored life, income, and critical illness insurance solutions designed for long-term financial security.

We guide our clients with clarity and honesty, ensuring they fully understand their coverage and options. From initial consultation to ongoing policy reviews, we stand beside you with consistent, dependable support.

We believe insurance should bring certainty, not confusion.

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Access to Leading Australian Insurers

We’ve partnered with over 90% of Australia’s leading retail insurers, giving you access to a broad range of high-quality policies and competitive options tailored to your needs.

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  • Access to leading Australian insurers, allowing you to compare multiple policies at no extra cost.

  • Personal one-on-one quoting sessions to review options, compare features, and choose the right level of cover.

  • One dedicated point of contact to assist you from application through to policy review and claims support.

  • Assessment of your default superannuation insurance to evaluate both cost and quality.

  • Medical pre-assessment support with insurers to help secure appropriate and comprehensive cover.

What Is a Life Insurance Broker?

A Life Insurance broker is a licensed professional authorised under an Australian Financial Services Licence (AFSL). We specialise in helping you understand your options and connect you with suitable insurers based on your needs and circumstances.

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Confidence Starts With the Right Cover

At A1 Insurance, we help you plan confidently with clear advice and tailored cover from leading insurers. Our focus is on transparency, quality, and long-term support — so you can protect what matters most with peace of mind.

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Why Choose Us

How Our Insurance Brokers Support You

Choosing the right Life Insurance can feel overwhelming — from deciding how much cover you need to selecting the right insurer and policy features. We simplify the process by comparing options from leading insurers and presenting suitable solutions for you to choose from.

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01

Simple Setup

We handle the paperwork and guide you through each step, saving you time and reducing complexity.

02

Ongoing Reviews

We regularly review your cover to ensure it remains appropriate, competitive, and aligned with your needs.

03

Claims Assistance

If you ever need to make a claim, we provide guidance and support so you can focus on your health and family.

Clear Guidance. Better Choices.

Why Work With an Insurance Broker?

An experienced broker helps simplify the process of choosing Life Insurance by providing expert guidance and access to multiple insurers in one place. Instead of navigating policies alone, you receive clear advice tailored to your needs.

Access to Multiple Insurers

We compare policies from a broad range of leading providers, giving you more choice and better visibility of available options.

Objective Comparisons

We assess policy features, definitions, and costs — including comparing default superannuation cover with standalone policies — so you understand the differences clearly.

Clear Understanding of Costs

We explain how premiums work and how payment methods (inside or outside super) may impact your overall strategy.

No Additional Broker Fees

Brokers are typically paid through standard insurer commissions, meaning there is no extra cost to you for using our service.

Ongoing Policy Reviews

We regularly review your cover to ensure it continues to meet your needs as your circumstances change.

Time-Saving Process

We manage comparisons and paperwork, making the selection process faster, easier, and more efficient.

Our Services

Flexible insurance solutions designed to provide either a lump sum payment or ongoing income support when you need it most.

Income Protection

Provides monthly payments of up to 70% of your income if you’re unable to work due to illness or injury. Helps cover bills and everyday living expenses while you recover.

Life Insurance

Pays a lump sum if you pass away or are diagnosed with a terminal illness, helping protect your loved ones financially.

Total and Permanent Disability (TPD)

Provides a lump sum payment if you are permanently unable to work again due to illness or injury, supporting long-term financial stability.

Critical Illness (Trauma) Insurance

Pays a lump sum if you are diagnosed with a covered serious medical condition such as cancer or stroke, giving financial flexibility during recovery.

A Premium Insurance Experience — Without Extra Costs

Work with a dedicated insurance broker and access quality cover from leading insurers — with no additional fees for our service.

Like a mortgage broker helps you compare lenders, we help you compare insurers. Insurance providers pay brokers a standard commission for completed work, meaning there is no extra cost to you.

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Expert Guidance

We provide clear advice and step-by-step support to help you secure cover confidently.

Quality Cover

Find the right policy at a competitive price, tailored to your needs and lifestyle.

Personalised Solutions

Access cover options from leading Australian insurers, all in one place.

Claims Assistance

If you ever need to claim, we guide and support you through the process from start to finish.

Protection That Works When It Matters Most.

Life can change unexpectedly. We ensure your financial plans remain secure with personalised insurance solutions that protect your income, health, and family’s future.

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How Personal Insurance Helps

We support clients from many different backgrounds and life stages. Most people we work with fall into the following groups, and personal insurance helps them by providing financial protection, income security, and peace of mind when the unexpected happens.

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Your family depends on your income to maintain their lifestyle and future goals. Personal Insurance helps protect that financial foundation in two key ways:

  • Life Insurance provides a lump sum payment to support your loved ones if you pass away unexpectedly.

  • Income Protection offers ongoing monthly payments if you’re unable to work due to illness or injury.

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You’ve worked hard to build your business, and personal insurance helps protect that effort. Here’s how:

  • Income Protection covers your income if illness or injury prevents you from working, especially if you don’t have sick leave.

  • Life Insurance provides funds for your buy/sell agreement if you unexpectedly pass away or must exit the business due to health reasons.

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You’re in the early stages of building your income and savings. Personal insurance helps protect both your current finances and your future earning potential. Here’s how:

  • Disability (TPD) Insurance provides a lump sum payment if you become permanently unable to work, helping protect your long-term financial stability.

  • Income Protection Insurance provides monthly payments if illness or injury stops you from working, helping you cover expenses and avoid relying on savings or family support.

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Our Process

The Claims Process

01

Contact Us

Reach out and we’ll guide you through your options and explain the next steps based on your policy.

02

Lodge the Claim

We assist with completing the required forms to help reduce errors and delays.

03

Insurer Review

The insurer assesses the claim and communicates the outcome to us.

04

Payment

If approved, funds are typically released promptly — often within a short timeframe, depending on the insurer and claim type.

Does Personal Insurance Really Pay Out?

Yes — insurance claims are regulated in Australia, and insurers are monitored by government authorities to ensure fair practices. Payout rates can vary between companies, which is why choosing the right insurer is important.

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Income

94.4%

Life

97.2%

Disability

83%

Trauma

86.0%

Overall

92%

More than 9 out of 10 insurance claims were paid during the first half of 2025, demonstrating strong industry payout performance.

Statistics are accurate as at 30 June 2025 and apply to policies arranged through a broker channel.

Testimonials

Trusted by Clients Across Australia

Our commitment to clarity, transparency, and long-term support is reflected in the experiences of the individuals and families we serve.

We recently had to make a claim, and I’m so glad we went through A1 Insurance. They guided us through the entire process and followed up regularly. It took a lot of stress off during an already difficult time.

Emily Carter Gold Coast, QLD

I’d been putting off income protection for years. Thought it was too complicated. A1 Insurance made the whole process straightforward. They compared options, broke down the fine print, and handled most of the paperwork. It was much easier than I expected.

Daniel Thompson Brisbane, QLD

When I moved to Australia, I didn’t fully understand how life insurance works here. A1 Insurance guided me step by step. They were patient, answered all my questions, and made sure I was comfortable with the decision before moving forward.

Harpreet Singh Melbourne, VIC

What stood out for me was their honesty. They actually told me I didn’t need a higher level of cover I was considering. That kind of transparency builds trust. I feel confident knowing I’ve got the right protection in place.

Sarah Williams Perth, WA

I had a previous policy but wasn’t sure if it was still suitable. A1 Insurance reviewed everything and showed me better options that suited my current situation. It wasn’t about selling something new, it was about making sure I was properly covered.

Rohan Mehta Adelaide, SA

We honestly had no idea what cover we actually needed. Everything online just felt confusing. The team at A1 Insurance explained things in simple terms and helped us choose a policy that made sense for our family. No pressure, no pushing, just clear advice. That meant a lot to us.

Priya Nair Sydney, NSW

I appreciate how approachable the team is. No confusion, no rushed conversations. They took the time to understand my financial commitments and recommended cover that actually fits my needs. I would definitely recommend them.

Ahmed El-Sayed Sydney, NSW

Frequently Asked Questions

Secure Your Financial Future with A1 Insurance

Protect what matters most with tailored insurance solutions designed to suit your needs and stage of life.

Speak with our team today to explore your options or request a personalised quote aligned with your goals and budget.

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