You pay the same price as buying directly from the life insurer.
We're not owned by an insurer (unlike other comparison sites).
We've done 100+ hours of policy research to help you understand what you're comparing.
As its name suggests, direct life insuranceis when you take out cover directly either via a comparison site or on an insurer's website. You make a purchase without having to go through an adviser.
A financial adviser takes care of the legwork for you, dealing directly with the insurer and advocating on your behalf. It can often take longer to get cover and sometimes it can cost you more as well.
| Policy | 30 years old |
| 40 years old |
| 50 years old |
|---|---|---|---|---|---|
| AVERAGE | $39.26 |
| $50.03 |
| $117.34 |
| Bendigo Bank MaxLife Life Protect | $62.82 |
| $60.15 |
| $131.83 |
| Insuranceline Life Insurance | $44.64 |
| $66.50 |
| $132.06 |
| Allianz Life Plan | $31.65 |
| $40.33 |
| $100.16 |
| RAC FlexiCover Life Insurance | $28.65 |
| $33.93 |
| $91.97 |
| ANZ Ezicover Life Insurance | $38.51 |
| $47.60 |
| $108.95 |
| Zurich Ezicover Life Insurance | $38.51 |
| $47.60 |
| $108.95 |
| AAMI Life Insurance | $44.64 |
| $66.50 |
| $132.06 |
| Suncorp Life Insurance | $44.64 |
| $66.50 |
| $132.06 |
| TAL Lifetime Protection | $19.52 |
| $21.02 |
| N/A |
| AHM Life Insurance | $40.82 |
| $52.00 |
| $123.34 |
| Medibank Life Insurance | $42.96 |
| $54.74 |
| $129.82 |
| NobleOak Premium Life Direct | $23.11 |
| $27.37 |
| $74.20 |
| Policy | 30 years old |
| 40 years old |
| 50 years old |
|---|---|---|---|---|---|
| AVERAGE | $27.50 |
| $39.59 |
| $91.60 |
| Bendigo Bank MaxLife Life Protect | $36.06 |
| $51.12 |
| $105.21 |
| Insuranceline Life Insurance | $30.69 |
| $53.01 |
| $114.86 |
| Allianz Life Plan | $23.49 |
| $31.31 |
| $72.17 |
| RAC FlexiCover Life Insurance | $18.85 |
| $24.12 |
| $68.60 |
| ANZ Ezicover Life Insurance | $29.76 |
| $37.72 |
| $78.11 |
| Zurich Ezicover Life Insurance | $29.76 |
| $37.72 |
| $78.11 |
| AAMI Life Insurance | $30.69 |
| $53.01 |
| $114.86 |
| Suncorp Life Insurance | $30.69 |
| $53.01 |
| $114.86 |
| TAL Lifetime Protection | $12.07 |
| $16.25 |
| N/A |
| AHM Life Insurance | $31.22 |
| $40.38 |
| $88.92 |
| Medibank Life Insurance | $32.86 |
| $42.50 |
| $93.60 |
| NobleOak Premium Life Direct | $15.20 |
| $19.46 |
| $55.34 |
We calculated the average monthly cost of a life insurance policy with $500,000 in cover for a non-smoker, office worker living in NSW. Prices generated in March 2022 and are subject to change.
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