ClearView Life Insurance Review

ClearView life insurance is good for price and for those who want to tailor cover to their needs.

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Maximum Cover


Maximum Entry Age

Terminal Illness Benefit

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Product NameClearView Life Insurance
Maximum Cover $20,000,000
Terminal Illness Benefit
Funeral Benefit $25,000
Guaranteed RenewabilityNo
Cooling-off (days)30
Online Quote

ClearView life insurance: Our verdict

  • It's one of the most affordable life insurance options on the market, according to our research prices.
  • Policies are often sold through a financial advisor to help find a match for your financial situation.

  • It comes with a wide range of cover types to tailor to your needs but this could be overwhelming for some.

Read a more detailed review on:

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Life Insurance

Key points of ClearView Life Insurance

  • Life cover: This policy will pay a lump sum benefit amount in the event of your death (accident or any other cause) or if you're diagnosed as terminally ill with less than 12 months to live. This policy can be purchased directly or through a ClearView financial adviser.
  • TPD insurance: ClearView will pay a lump sum benefit in the event that you are permanently unable to return to work due to illness or injury. You can structure your insurance to have TPD as a standalone cover or bundled with your life insurance.
  • Trauma insurance: This benefit allows you to maintain a certain quality of life when suffering from a specific illness or injury as defined by the terms of the policy. Upon diagnosis, you will receive a lump-sum benefit that can be used to cover the cost of treatment, as well as pay off debt or finance an extended leave from work. You can apply for a maximum amount of $2,000,000 for this type of cover with ClearView.

Note: Be sure to check the Product Disclosure Statement (PDS) for terms and conditions.

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ClearView features

When you take out a life insurance policy, it comes with the following inclusions:

  • Guaranteed renewable
  • Indexation (cover increases each year to ensure your benefit amount keeps up with inflation)
  • Worldwide cover
  • Guarantee of upgrade (If ClearView make changes or introduce new benefits to its products)Note: Be sure to check the Product Disclosure Statement (PDS) for terms and conditions.

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Applying for cover

Applying for ClearView cover

  • Life: You must be 18 to 75 (for stepped premiums) or 18 to 60 (for level premiums).
  • TPD: You must be aged 18-60, be employed and working at least 20 hours per week in an eligible occupation.
  • You must meet the cover eligibility criteria.
  • You must have financial dependants, debt or other financial commitments and expect that they will be.
    unable to meet these commitments if you become terminally ill or die.
  • You must expect to be able to pay premiums.

ClearView life insurance pros and cons

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


  • You can pay your premium for some types of cover from your super.
  • It's one of the more affordable policies around.


  • It might be possible to get a higher life insurance benefit elsewhere.

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


We're free

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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We're experts

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

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
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.
TAL Accelerated Protection Life Insurance
No set limit
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.
Medibank Life Insurance
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.
ahm Life Insurance
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.
HCF Life Protect Insurance
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.
RAC Life Insurance
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.

Real Family Life Cover
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.

Why compare life insurance with Finder?

  • 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.

Enter your details and one of our partner brokers will call you. They will discuss your quote, options and available products. Not available to those over 75 years old.

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