Insure Me Now Life Insurance Review

What products does Insure Me Now offer?

• Superior Life Insurance Cover. This policy pays a lump-sum benefit of between $100,000 and $1.5 million if you die suddenly or are diagnosed with a terminal illness. Your loved ones can use the benefit however they choose, for example to pay off the mortgage or replace your income, and you also have the option to include up to $1.5 million of Total and Permanent Disability (TPD) Cover and $500,000 of Trauma Cover.
• SMSF Life Insurance Cover. Designed for trustees of SMSFs, this policy pays a lump sum benefit of between $100,000 and $1.5 million on the death or terminal illness of an insured member of an SMSF. You can also include up to $1.5 million of TPD cover if you wish.

Compare direct life insurance policies below

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Name	Product	Maximum cover	Maximum Entry Age	Fully Underwritten?	Terminal Illness Benefit	Optional Extras
NobleOak Life Insurance Finder Award		$15,000,000	69		$3,000,000	TPD cover, Trauma cover	Cover up to $15,000,000 with NobleOak Life Insurance.	Get Quote View details	Compare	loading Fetching your data...
Real Family Life Cover		$1,000,000	64		$1,000,000	TPD cover, Trauma cover	Get a refund of 10% of the premiums you've paid (in the first 12 months) with The Real Reward™ .	Get Quote View details	Compare	loading Fetching your data...
Medibank Life Insurance		$2,500,000	70		$2,500,000	TPD cover, Trauma cover	Medibank health members save 10% on premiums every year. T&Cs apply.	Get Quote View details	Compare	loading Fetching your data...
Zurich Ezicover Life Insurance		$1,500,000	69		$1,500,000	No optional	Get your first month free and a 10% discount by taking out a second life insurance policy (discount applies to the second policy). T&C’s apply.	Get Quote View details	Compare	loading Fetching your data...
ahm Life Insurance		$1,500,000	65		$1,500,000	TPD cover, Trauma cover	ahm Health members can save 10% off premiums.	Get Quote View details	Compare	loading Fetching your data...
RAC Life Insurance (Only available in Western Australia)		$25,000,000	69		$25,000,000	TPD cover, Trauma cover	When you purchase RAC Life Insurance, WA residents receive complimentary RAC membership which includes access to discounts on fuel, savings on shopping, entertainment and more. T&Cs at rac.com.au.	Get Quote View details	Compare	loading Fetching your data...

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Level of Protection UnsureNone$100,000$200,000$300,000$400,000$500,000$600,000$700,000$800,000$900,000$1,000,000$1,250,000$1,500,000$1,750,000$2,000,000

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What are the Insure Me Now life insurance cover features?

• Worldwide cover
• Online application
• No medicals or blood tests
• Flexible cover (Add optional benefits such as TPD Cover and Trauma Cover)
• 30-day cooling-off period
• Automatic cost-of-living increases (Your level of cover automatically increases each year to to keep pace with the rising cost of living)

How are my premiums paid?

You can choose to pay the premiums for your Insure Me Now life insurance policy on a monthly or annual basis. Payment can be made by credit card or direct debit from your bank account, and must be made in AUD from an Australian banking institution.

It’s also important to be aware that there are several factors that influence the cost of premiums, including:

• The benefit amount. The higher the benefit, the more you pay for cover.
• Any optional covers you include. For example, adding TPD and Trauma Cover to Superior Life Insurance Cover will increase your premium.
• Your age. Insure Me Now’s Super Life Insurance Cover and SMSF Life Insurance Cover policies feature stepped premiums, so the cost of cover increases as you get older.
• Your gender. Cover generally costs more for men.
• Your smoker status. Smokers are exposed to a wide range of health risks, so non-smokers pay lower premiums.
• Your occupation and pastimes. If you work in a dangerous job or engage in risky pastimes, the cost of cover will rise.
• Your health. While there are no medical or blood tests, you’ll need to provide some information about your health when you apply for Superior Life Insurance Cover.

How do I make a claim with Insure me now?

If you or your legal representative needs to make a claim on an Insure Me Now policy, it’s essential to contact Insure Me Now as soon as possible. Make sure to follow these simple steps:

1. Phone Insure Me Now. Contact Insure Me Now on 1300 466 466 to advise of your impending claim. The claims process will be explained to you in more detail and a claims pack sent out.
2. Fill out a form. You’ll need to complete all relevant sections on the claims form you receive.
3. Gather supporting information. Next, gather the documents and information needed to support your claim such as a death certificate, medical practitioner’s report, proof of age and proof of identity.
4. Submit your claims form. The final step is to submit your claims form and accompanying documentation via email to claims@insuremenow.com.au. You’ll also need to send the original claims form and certified supporting documents to Insure Me Now, PO Box 471 Seaforth NSW 2092.

What other charges are there to be aware of with Insure Me Now life insurance?

Please note that your Insure Me Now Superior Life Insurance Cover or SMSF Life Insurance Cover has stepped premiums, which means the cost of cover may increase at each policy anniversary based on your age.

All Insure Me Now policies are also protected against inflation, so your benefit level will increase by 5% at each policy anniversary. Your premium will also increase to reflect this higher level of cover.

What are some of the general exclusions?

The exclusions that apply to Insure Me Now insurance vary depending on the life policy you select. For example, if you have Superior or SMSF Life Insurance Cover, no benefit will be paid if you die due to a self-inflicted injury within 13 months of:

• The policy acceptance date
• The date that any increase in cover starts
• The date the policy is reinstated after previously being cancelled

In addition, no TPD benefit will be paid if the event giving rise to the claim is caused by self-harm or your intentional act.

If you have Essential Life Accidental Death Cover, no benefit will be paid in a variety of situations, such as if your claim arises due to:

• An intentionally self-inflicted bodily injury or attempted suicide
• War
• You engaging in any unlawful activity
• You consuming alcohol or drugs
• You engaging in professional sport

Finally, no Prime Funeral and Final Expenses Cover benefit will be paid if you die as a result of illness, natural causes or a non-accidental event during the first 12 months following:

• The policy acceptance date
• The date that any cover increase starts
• The date the policy is reinstated after previously being cancelled

Other exclusions may apply, so check the PDS for more information.