About Harbour Life Insurance
Harbour Life Insurance helps Australian individuals and families understand their life insurance options with clarity and confidence. This page explains who we are, how we work, and how Michael supports clients when choosing or reviewing cover.
Your Future, Safely Anchored
We believe every family deserves clarity when making life's most important financial decisions. We bring a calm, steady, and informed approach to helping clients understand their options.
Our focus is simple: to guide you through life insurance with clarity and confidence.
No pressure. No jargon. Just clear explanations, practical insights, and support to help you choose the cover that truly fits your needs and to protect what matters most.
We're here to help you navigate life insurance with confidence and peace of mind. Whether you're starting a family, buying a home, or planning ahead, Harbour Life Insurance is your safe place to anchor.
At Harbour Life, whether you’re comparing policies or reviewing your existing life insurance policy, our service is free to you. We’re remunerated by the insurers, never by you.
Chart a Clearer Path to Better Value with Michael Shagrin
Michael is dedicated to helping individuals and families clearly understand their life insurance choices.
Drawing on over 30 years of experience in the life insurance industry, he breaks down insurance jargon into simple, practical information to help support your confident decision-making.
Michael focuses on education first to give you the clarity to decide on the cover that suits your goals, priorities, and that provides you with peace of mind.
Real Outcomes, Real Clients
"Michael supported me through my TPD claim with genuine empathy and professionalism. He took the time to understand my circumstances, explained each step clearly, and managed all communication with my insurer. He removed the stress and uncertainty during a very challenging time, allowing me to focus on my recovery. I would highly recommend him to anyone."
Darryl, Legal Consultant
"My premiums had been creeping up for years and my adviser hadn't shopped around for better rates in a long time. Michael saved me thousands of dollars in premiums on my life cover and critical illness cover, and the whole process of applying for a new policy was surprisingly straightforward. I'd highly recommend him."
Julia, Small Business Owner
"I had an adviser, but my life insurance was never clearly explained and there was no proactive review of my cover. Michael helped me understand all my policies, including my employer-paid insurance policy, and we will review them annually to keep me on track as I approach retirement, something my previous adviser never did."
Jonathan, Trade Finance Specialist
Individual results vary depending on your circumstances, cover and insurer.
Free Insurance Health Check
We review your current cover, explain it in plain English and compare it across a range of insurers so you can see your options. The health check is free to you because Harbour Life is paid by the insurers.
Request a Free Insurance Health Check