ClearView Life Insurance Review

ClearView life insurance: Our verdict

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ClearView life insurance pros and cons

Still wondering if ClearView is right for you? Here are the main pros and cons summarised:

How do I make a ClearView life insurance claim?

If you need to make a claim, make sure to give notice of your claim within 90 days of the insured event. Have the following ready to ensure your claim is processed quickly and efficiently:

• The fully-completed claims form
• The policy certificate
• Proof of age
• Any other documentation or evidence the insurer might require

What are some of the key exclusions of ClearView life insurance?

For ClearView life insurance there is a 13 month exclusion for suicide and self inflicted harm, which applies after taking out a new policy or reinstating cover. If you have increased cover, this will also apply to the increased amount for 13 months.

With other forms of death cover, such as death cover with trauma insurance, there is a blanket exclusion for deaths caused directly or indirectly by self inflicted acts, at any time. Similarly, these will typically have not pay out for deaths resulting from participating in any criminal activity, being under the influence of alcohol or taking any drugs other than as prescribed.

Specific exclusions may also apply to your policy, such as for specific high risk pastimes, and you'll have a chance to agree to them before taking out cover.

Read the PDS for more information on the general exclusions that apply to your policy.

Why you can trust Finder's life insurance experts

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You pay the same as buying directly from the life insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.

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Our team of life insurance experts have researched and rated dozens of policies as part of our Finder Awards and published 250+ guides to make it easier for you to compare.

We're independent

Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of life insurance brands, making it easier for you to find a good deal.

We're here to help

Since 2016, we've helped 270,000+ people find life insurance by explaining your cover options, simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.

ClearView life insurance FAQs

• Do I need to go through a ClearView Financial adviser?

  Not necessarily. You have the option to buy your policies directly, and as long as you're a permanent Australian resident between 18 and 75 years of age, acceptance is guaranteed for most benefit options. However, going through a financial adviser means you're able to tailor your policy with the benefits most relevant to your personal situation.

• When applying for a policy, do I need to submit blood samples?

  No. You can apply for ClearView policies online without having to take blood tests. Acceptance is guaranteed when applying for Accidental Death, Injury Cash and Funeral Insurance policies.

• Who is eligible for ClearView policies?

  Eligibility varies depending on the policy and the amount of cover you wish to purchase, but in most cases, any permanent Australian resident between 18 and 75 years old can apply for cover.

• What is the indexation benefit?

  This means that your benefit amount will increase automatically by the greater of either 5% or the increase in the Consumer Price Index (CPI). In short, your total benefit amount increases every year so that the value of the policy isn't affected by increases in inflation.

• How do I make sure my policy stays up-to-date?

  As long as it doesn't increase your premiums, any product enhancements will automatically be applied to your policy.

• Who can be covered under the terms of my policy?

  As a policy owner, you have your own life covered, or the life of a family member or business partner. You can have up to five people insured on one policy, except in the case where your policy is held under ClearView LifeSolutions Super option.

• How can I structure my cover?

  You can apply for standalone cover that operates independently from other cover you might have. In the event of a pay-out from the standalone cover, your other benefits are not affected. All cover options can be purchased as standalone cover except Child cover and Parent cover.

• Can I link my cover?

  You have the option of Linked and Flexi Link cover. With the Linked option, you pay a lower premium than you would for a standalone option, but all cover is reduced when a benefit amount is paid out. Flexi-Link allows you to link two policies and name different policy owners.

Compare other direct life insurance policies below

Name	Product	Maximum Cover	Maximum Entry Age	Terminal Illness Benefit	Claims Acceptance Rate	Average Claim Time	Sum Insured
NobleOak Life Insurance Finder Award		$25,000,000	74	$25,000,000	96.90%	1.1 months	$24,483 million	Our verdict: Finder Life Insurance Award winner for the last 5 years in a row. Good value for money, simple application process and a high claims acceptance rate. ⭐ Current offer: Get one month free for a limited time - apply by 21 December 2023. Offer T&Cs on insurer website apply.	Get Quote View details	Compare	loading Fetching your data...
TAL Accelerated Protection Life Insurance Finder AwardBonus		No set limit	73	Not stated	Data not available	1 months	$249,285 million	Our verdict: One of Australia's leading life insurers. Automatically includes child critical illness cover. Plus, it comes with a level premium option (e.g. costs remain similar as you get older). ⭐ Current offer: Get up to 15% off your TAL Life, Trauma or TPD insurance policy for life - if you have a Body Mass Index (BMI) between 19 and 28 at the time of your application. Offer T&Cs on insurer website apply.	Get Quote View details	Compare	loading Fetching your data...
Medibank Life Insurance		$2,500,000	70	$2,500,000	Data not available	Data not available	Data not available	Our verdict: Medibank offers a higher payout limit ($2.5 million) than 15 other providers. Get a 10% discount if you're already a Medibank Health Insurance member.	Get Quote View details	Compare	loading Fetching your data...
ahm Life Insurance		$1,500,000	55	$1,500,000	Data not available	Data not available	Data not available	Our verdict: ahm offers a simple application process. You can be approved online or over the phone. There are no medical or blood tests required.	Get Quote View details	Compare	loading Fetching your data...
HCF Life Protect Insurance		$1,500,000	65	$1,500,000	Data not available	Data not available	Data not available	Our verdict: Similar cover to other insurers ($1.5 million). A good discount for HCF members of 10% and an easy initial quote process. ⭐ Current offer: Eligible HCF Members receive 10% premium discount and HCF Thank You rewards.	View details	Compare	loading Fetching your data...
RAC Life Insurance Bonus		$25,000,000	74	$25,000,000	96.90%	1.1 months	$24,483 million	Our verdict: RAC’s maximum death cover limit of $25 million is one of the highest limits you’ll find, including $5 million in TPD insurance. You can get an online quote, but you’ll need to call RAC to get trauma cover. Benefit from added peace of mind with fully underwritten insurance.	Get Quote View details	Compare	loading Fetching your data...
Real Family Life Cover Bonus		$1,000,000	64	$1,000,000	88.90%	2.4 months	$53,238 million	Our verdict: The application is simple; it can be done with 1 phone call and there are no medical exams. But households with larger debts may need more than a $1 million payout. ⭐ Current offer: Get back 10% of the premiums you’ve paid after 1 year.	Get Quote View details	Compare	loading Fetching your data...

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