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 insurance is 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.
Here's how buying direct compares to the options you have:
You pay nothing. Finder is free to use. And you pay the same as going direct. No markups, no hidden fees.
You save time. We spend 100s of hours researching life insurance so you can sort the gold from the junk faster.
You can trust us. We say it like it is. We aren't owned by an insurer and our opinions are our own.
With HCF life insurance products, you can benefit from flexibility and peace of mind given the range of policies to choose from.
Avoid unwanted disputes about your will and estate when you’re no longer around.
NEOS life insurance is the new provider aiming to make insurance easier, simpler and better. See if it’s right for you.
Find life insurance for medical workers. Insurance that covers the unique risks faced by frontline medical professionals.
Are you a farmer? See how life insurance for farmers can protect you and your family.
All your questions about life insurance answered. Find out how life insurance works and how to get the right cover for you.
What you need to know about Allianz Life Insurance.
Whole life insurance was a popular form of life insurance cover in Australia during the 1970s and 1980s.
Looking for a direct insurance company that offers affordable, straightforward cover options? Discover the benefits of NobleOak life insurance.
Find out what life insurance policies are on offer from MLC and receive a free quote for cover. Apply securely with the help of an insurance consultant.