TAL's Accelerated Protection Life Insurance has taken out the title of Finder Best Life Insurer for the 3.00rd year in a row. The insurer succeeded in offering coverage at a reasonable price point, combined with considerable benefit limits.
TAL's Accelerated Protection Life Insurance has taken out the title of Finder Best Life Insurer for the 3.00rd year in a row. The insurer succeeded in offering coverage at a reasonable price point, combined with considerable benefit limits.
Budget Direct Life Insurance is one of the cheapest life insurance policies available on Finder, earning it a Highly Commended spot in this year's awards.
Budget Direct Life Insurance is one of the cheapest life insurance policies available on Finder, earning it a Highly Commended spot in this year's awards.
Delivering exceptional value once again, NobleOak was a highly commended insurer, offering up to $25 million in life cover - one of the highest payouts on the market.
Delivering exceptional value once again, NobleOak was a highly commended insurer, offering up to $25 million in life cover - one of the highest payouts on the market.
Finder's Product Awards methodology for life insurance
Finder's Life Insurance Awards recognises market-leading life insurance products, using our proprietary Finder Score ratings methodology. We analysed 12 features, including price, across providers offering life insurance to determine the winners for the 2026 awards.
To be considered for the awards, providers offering life insurance products must provide quotes across a range of personas and be available for new customers. Price and features scores each account for 50% of the final total.
Feature Score - Coverage & Benefits
40%
Maximum cover amount
15%
Terminal Illness
5%
Child Benefit
5%
Optional TPD
2.50%
Optional Trauma
2.50%
Funeral Benefit
2.50%
Serious illness
2.50%
Guaranteed renewability
2.50%
Accident cover
2.50%
Feature Score - Customer Experience
10%
Claims finalised
5%
Online quote availability
5%
We determine the Price Score for each product after collecting quotes across different personas, inclusive of age, gender and smoking status. Pricing data is collected twice a year.
Age
Gender
Smoking Status
25 years
Male
Non-smoker
35 years
Male
Non-smoker
45 years
Male
Non-smoker
55 years
Male
Non-smoker
25 years
Female
Non-smoker
35 years
Female
Non-smoker
45 years
Female
Non-smoker
55 years
Female
Non-smoker
25 years
Male
Smoker
35 years
Male
Smoker
45 years
Male
Smoker
55 years
Male
Smoker
25 years
Female
Smoker
35 years
Female
Smoker
45 years
Female
Smoker
55 years
Female
Smoker
Life insurance quote personas · dw:8zsiE
Age
Gender
Smoking Status
25 years
Male
Non-smoker
35 years
Male
Non-smoker
45 years
Male
Non-smoker
55 years
Male
Non-smoker
25 years
Female
Non-smoker
35 years
Female
Non-smoker
45 years
Female
Non-smoker
55 years
Female
Non-smoker
25 years
Male
Smoker
35 years
Male
Smoker
45 years
Male
Smoker
55 years
Male
Smoker
25 years
Female
Smoker
35 years
Female
Smoker
45 years
Female
Smoker
55 years
Female
Smoker
Why you can trust our awards
Expert analysis
Our life insurance award winners are based on 100+ hours of research by our expert authors and insights team.
They're comprehensive
We researched Australia's most popular life insurance policies including AAMI, TAL, Allianz and NobleOak.
They're independent
Some winners may be partners but this never influences our decisions. All policies are based on a clear methodology and must meet editorial standards.
All the Finder Awards
Check out the best of the best, judged by experts.
Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University.
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