Receive a preliminary quote for life insurance from Australian insurers and apply
With so many different life insurance and income protection policies on the current market, it's sometimes difficult to find the right solution for you. It is essential to do your research before applying for life insurance, so you have a clear understanding of what is and isn't covered. The decision to purchase should never be based purely on the estimated premium.
The way premiums are calculated is depends a number of factors based on customers details and the features of the policy.This guide will explore how life insurance quotes are determined, what to watch out for when comparing quotes and offer advice on the next steps buyers should take after receiving a quote.
Compare Life insurance quotes from these direct brands
- Process of Receiving a Life Insurance Quote through Life Insurance Finder
- Common Questions with the Life Insurance Quote Comparison Service
- Who Might Consider Receiving a Life Insurance Quote?
- Types of Life Insurance to Receive Quotes on in Australia
- How are the Premiums in Life Insurance Quotes Determined?
- What Policy Features Will Increase My Life Insurance Quote?
- How Do I Determine How Much Cover I Need When Comparing Quotes?
- How Do I Choose a Policy After Receiving Quotes for Life Insurance?
- Benefits of Getting a Life Insurance Quote Online
- Examples of Life Insurance Quotes
- Life Insurance Quotes Comparison: Checklist
- Next Steps to Receive Life Insurance Quotes Online
Process of Receiving a Life Insurance Quote through Life Insurance Finder
Life Insurance Finder provides a secure way for people to make an online enquiry with an life insurance consultant and receive a quote. After filling out the quote form with some personal details (required to give the most accurate preliminary quote as possible), an insurance consultant will contact to discuss policy options based on the information you provided. There is absolutely no obligation buy, and quotes and policy advice is provided free of charge. The section below will explain how you will be provided with quotes and the steps in the application process.
- Enter details. Fill out the quote form with the necessary details. These forms may be slightly different depending on the type of cover being applied for.
- Submit details.Submit your details and they will be forwarded onto the team of insurance consultants are in Life Insurance Finder panel of providers. You will also receive a confirmation email.
- Contacted by Insurance Consultant. You will then be contacted by a qualified insurance consultant to discuss possible policy options. The insurance consultant will provide the a preliminary quote, based on the details that have been provided. This quote is subject to change based on a range of factors including pre-existing medical conditions, lifestyle factors (e.g. any dangerous hobbies) and the policy structure.
- Discuss policy options. The insurance consultant will discuss the different product options available and explain the different features and benefits of those products. At this stage, the consultant will assist you can make an informed purchase decision.
- Begin application process. Once the you make a decision on a suitable product, the insurance consultant will help you gather the necessary paperwork and help you submit said documentation to the insurer.
- Insurer assesses application. The insurance provider will underwrite the your application and decide if and on what terms they will provide cover. The insurer may require additional information such as medical and occupational information. It is worth noting that most policies for Life Cover will provide interim cover, which ensures cover is in place as soon as the application is lodged.
Below is a video to help walk you through the process.Back to top
Common Questions with the Life Insurance Quote Comparison Service
Are my details secure?
How long will it take for my policy to be put in place?
How much does it cost to get a quote?
How much does insurance cost?
What types of insurance does the panel of insurers provide quotes for?
Who Might Consider Receiving a Life Insurance Quote?
You may not have considered life insurance, particularly if you are young and healthy, and don't have any financial dependents. However, no matter your personal circumstances, it is essential to consider life insurance to provide you with financial protection. If you’re trying to decide if it is worth you taking out life insurance, consider the following questions:
- Are you the main provider for yourself or for other people?
- Are you financially responsible for your family as the main breadwinner?
- Are you a homemaker who takes care of household duties such as care for your children, home management and meal preparation?
- Do you have children you need to provide for, whether they live with you or with your ex-spouse?
- Are you the owner of a small business?
Here is a quick checklist to help you determine if life insurance might be worth considering.
- You have major financial obligations. This may include mortgage or rental repayments, education fees, daily living expenses, short-term debt.
- You have a large estate that may take a long time to distribute properly.
- You have dependent children or relatives.
- You own a business.
- You are married.
If any of the above questions are relevant to your situation, it may be time to start thinking about life insurance. Life insurance can provide you and your loved ones with peace of mind and protection against financial hardship. Not only does life insurance provide cover in the event of death, but you can also purchase life insurance that provides cover for serious illness, permanent disability and loss of income. These policies can be tailored to your specific needs. The following diagram may give you a better idea of what life insurance policy is better suited to your situation and life stage:
Types of Life Insurance in Australia
There are a range life insurances available in Australia. Each type of cover has features that can be tailored towards your particular needs. This section will provide an overview of the different types of life insurance that the panel of expert insurance providers that Life Insurance Finder works through can provide advice on.
Term Life Insurance
- Term life insurance has grown to become the most common form of life cover offered in Australia.
- It provides a lump sum payment to your dependents in the event of your death, or if you have been diagnosed with a terminal illness with 12 months to live.
- Term life insurance can be an affordable form of life insurance, particularly when it is taken out in early stages of life, as policyholders have the ability to choose the period of time (term) that they would like to be covered for. When the period expires, you can renew the cover at an increased premium or lower amount of coverage, depending on your personal situation at the time. The most common periods are 5, 10, 20 and 30 year term.
- You have the option to structure your premium payments as either Stepped or Level.
- Stepped means that your premiums increase with your age. Premiums start lower, which may be more suitable for people who have limited income due to commitments such as a growing family or substantial mortgage debt.
- With level premiums, the rates remain the same. It does not increase with age as the policy is based on your age at the at the start of the policy. Level premiums are more expensive at the start of the policy when compared with stepped premiums, but over time the premiums become less than that of the steeped premium.
- The decision on whether to structure the policy with stepped or level premiums really comes down to the applicants situation. Applicants must consider how their financial situation may change and their ability to meet premium repayments in the future.
- The premiums you pay for term life insurance is usually not tax-deductible, however, if your insurance is provided through your superannuation and if you are self employed then it is possible for premiums to be tax deductible.
- The lump sum benefit received by your dependents will be tax free, unless you are paid via a superannuation fund or if the payment is made to a non-financially dependant person. Under these circumstances, it may be possible that your benefit payment will not be tax free, and a tax professional should be consulted.
Total and permanent disability (TPD) insurance
- TPD insurance provides a lump sum payment if you are totally disabled and unable to work.
- Definitions for a permanent disability vary between providers. In general, a permanent disability will constitute one or more of the following conditions:
- Loss of sight
- Loss use of limbs (arms or legs)
- Absence from work for six months with no expectation of you returning to normal work due to the illness or injury.
- There are two types of TPD insurance which will determine whether or not the benefit is payable:
- Own occupation - Your benefit is payable under this definition if you have become permanently disabled and are unable to perform duties of your usual occupation of employment.
- Any occupation - Your benefit is payable under this definition if you have become permanently disabled and you are unable to perform duties of your regular occupation or any occupation that you are suited to by education, training or experience.
Trauma (Critical Illness) Cover
- Critical illness insurance, also known as trauma insurance, provides coverage in the event you are diagnosed with a life-threatening disease or suffering from a medical trauma as specified in your policy.
- A lump sum payment will be paid if the policyholder is diagnosed with one of the conditions listed and this is satisfied by the policyholder.
- Survival period is the prescribed period after you survive an illness or injury in which when it expires, your benefit amount will be paid. It can span from 14 days to one month.
- Common conditions that are covered by critical illness insurance include:
- Multiple sclerosis
- Kidney failure
- Major organ transplants
- Coronary artery bypass
- Heart attack
- Parkinson’s disease
- Alzheimer’s disease or dementia
- Critical illness insurance premium payments are not tax-deductible. However, the lump sum amount or monthly payment received will be tax-deductible.
Income Protection Insurance
- While life insurance is valuable to you and your family in the event of your death, it doesn't help you pay for expenses should you become unemployed or are unable to work for health reasons. Income protection insurance provides a replacement income of up to 75% when you are unable to work due to an illness or injury.
- In times of short-term or long-term disability, income protection coverage ensures your ability to meet ongoing living expenses.
- The policy you choose will determine the length of time that these payments last with some being for set period of time and others paying out until you are age 65.
- You can continue your superannuation contributions while you are disabled as some insurers may allow an excess benefit of up to 15%, which can be used to fund your retirement savings.
- Income protection premiums are also tax-deductible. However, if you have a linked policy with death or disability cover, you may not be able to claim tax deduction if the split in the premium cannot be determined.
- There are several factors to consider when you are looking at income protection insurance. The following tips will help you understand your position, so that you can compare and find income protection insurance quotes online which meet your needs:
- The amount of time you can wait: Your financial position determines how long you and your family can continue to live and pay your bills without an income, before you run through your savings. Therefore, income protection insurance allows you to choose a waiting period of between 14 days and two years.
- How long you need cover for: This depends on how much you and your family have in savings, and the other benefits you would be entitled to if you were unable to work, such as sick leave or long service leave. If you're able to return to work quickly because you have a strong support network, you could choose a benefit period of two or five years. If you want a little more assurance, or you are close to retirement age already, you could choose income protection that pays a benefit until you’re 65. Income Insurance policies also have the option of a step-up clause that takes inflation into account. This is better for policies that pay out until age 65 because a two-year only policy is not usually worth the added expense. Keep in mind that a policy that pays out until age 65 should be indexed so that it retains its value in the face of inflation.
- The level of income you want to insure: You can choose to be insured on an agreed value of guaranteed value policy, where you nominate the income amount your benefit will be based on. Alternatively, you can choose an indemnity policy which pays a percentage of your current income at the time of the claim. Agreed and guaranteed policies are often more expensive than indemnity policies, but can offer greater security if you are in a position where your income fluctuates.
- The risks of your job: When you apply for income protection you're assessed on the degree of risk your occupation presents to the insurer. If you are working in a high risk occupation, you may have to pay higher premiums, you may have exclusions applied to your cover, or you may be denied cover. If you are part of a high risk industry, you could be better off looking for income protection from an insurer who specialises in your occupation.
- Your health and lifestyle: If you smoke, you’re overweight or you have a family or medical history which puts you at risk of illness, then you can be looking at higher income protection premiums. Therefore, change what you can about your lifestyle, to position yourself in a better light with the insurer.
- You pay more for more coverage: This only seems fair, because the more you earn, the more your insurance company will have to pay out when you claim. Therefore, the premiums for someone earning $30,000 a year will be much lower than for someone earning $100,000 a year, as 75% of $100,000 is $75,000 worth of coverage, while 75% of $30,000 is a benefit amount of just $22,500.
- Whether you need cover: Finally, the most important thing to understand about your position when taking out income protection insurance is whether you need it at all. You don’t have to be the main income earner, or even have any dependents, for income protection to be a good idea. Instead, simply think how you would maintain your life – not your lifestyle, of movies, new clothes and dinners out, just your everyday life – if you were suddenly unable to work. If you are financially secure enough to have savings and investments to rely on in this situation, then you may not benefit from income protection insurance. However, if you want to have security and peace of mind that if you’re sick or injured, you will still be able to pay your mortgage, your power bills and feed yourself and your family, then income protection may be for you.
Key Person Insurance
- Expenses involved with recruiting a new worker to fill the open position.
- Expenses to train new workers to fill position.
- Settle any loans or outstanding bills managed by the deceased worker.
- Loss of businesses momentum i.e. key worker may have been managing a project that involved a significant amount of the businesses resources/personnel.
- Cost of the insureds funeral.
- Any small personal debt.
- Final medical expenses.
- Financial planning for the spouse/family.
- Estate planning.
- Outstanding taxes.
- Legal costs.
Accidental Death Insurance
- Most policies will provide guaranteed acceptance to policy applicants.
- Generally more affordable to other types of cover.
- Reduced underwriting process. Applicants can often be accepted for cover instantly.
Personal Accident Insurance Personal Accident Insurance will provide an injured worker with an ongoing benefit payment of 75% of their regular income for injuries sustained through accident. It will not provide cover for serious illness. The benefits of this type of cover are similar to accidental death insurance as it provides a more affordable option to the income protection and there is a reduced level of medical underwriting. Mortgage Protection Insurance Mortgage Protection Insurance is a type of cover designed specifically to cover mortgage repayments if the insured passes away or is forced to take time off work due to disability. Some policies will also provide a benefit payment for involuntary redundancy for a set period regardless of any sick leave entitlements or redundancy payouts. In comparison to other types of protective cover, mortgage protection combines life, income, TPD and critical illness insurance to provide cover to protect the mortgage only.
How are the Premiums in Life Insurance Quotes Determined?
Before you compare life insurance quotes you should take the time to find out how life insurance premiums are determined. During the policy underwriting process, insurers take into account a variety of indicators to let them assess the level of risk that the applicant carries. The premium payable will reflect the perceived level of risk that has been determined. Indicators that are often used by insurers include;
- Age: Age plays a major role in the premium that is payable. The younger you are, the longer you will be expected to live statistically, and this is reflected in life insurance premium charges.
- Occupation: A person's occupation is also a key factor when it comes to determining their premium. One person's job may involve a higher risk of death than another person. Occupation related risks are separated into two categories:
- Standard risk
- Does not require you to engage in tasks that are physically, mentally, or emotionally demanding
- Does not expose you to work environments that are potentially dangerous and hazardous
- Special risk
- Requires you to complete tasks that can be strenuous to your physical, mental or emotional state on a daily basis
- May expose you to chemicals that are hazardous to your health
- May put you at risk of possible occupational diseases
- Is affecting your morale due to the continuous exposure to risk, which can lead to unhealthy lifestyle habits, such as excessive drinking
- Standard risk
- Lifestyle: Activities such as smoking and alcohol consumption are considered risky activities and will result in a higher premium payment than a non-smoker or someone who does not drink alcohol. An insurer will also consider what other pastimes a person has that may increase the risk of death
- Family history and pre-existing medical condition: Family history and a person's medical history are also factors that may increase a person's risk of death and hence result in higher premium payments. Conditions that an underwriter may take under consideration include heart trouble and high blood pressure, chest pains, lung disorders, bronchitis, chronic indigestion, diabetes, malignant tumors or cancer, kidney, bladder and liver disorders and hepatitis
- Sex: Women will generally pay less for life insurance at certain ages than men. This is due to findings that Australian women generally live up to 5 years longer than men. However, women will generally pay more for income protection as research has shown that women are generally more likely to make a claim.
- Amount of cover: The amount of cover you need is also a prime cost factor. This is the most obvious factor the insurer has to take into account.
- Policy Features: Range of features that is included in the plan will impact the premium payable. A comprehensive plan with many features and benefits will cost more than basic cover.
What Policy Features Will Increase My Life Insurance Quote?
The structure of the life insurance policy can have a great impact on the final premium that will be payable. Some key policy design factors to consider when comparing quotes include;
- Additional policy features: Features such as crisis recovery, family protection, and waiver of premium or needlestick injury are usually only available at an additional cost and will increase the premium payable.
- Premium frequency: Premium payments that are made more frequently (as oppose to an annual payment) are subject to a premium frequency charge.
- Waiting period: Policies with shorter waiting periods before the benefit payment is provided will generally come with a premium loading.
- Benefit period: The benefit period on an income protection insurance plan can generally be 1 year, 2 years, 5 years or to age 60 or age 65. A longer benefit period will bring an increased premium.
- Premium structure: Whether premium payments are stepped, level or hybrid will have a great impact on the quote:
- Level premiums: Remain the same over the life of the policy.
- Stepped premiums: Will start off low and increase over time.
- Hybrid: Starts off as a stepped premium before reverting to level.
How Do I Determine How Much Cover I Need When Comparing Quotes?
Finding the right life cover is not simply a matter of comparing quotes from insurance companies and applying for the policy that appears to offer the lowest premium. Buyers must take the time to evaluate their own cover needs and research the different benefits and features available. Understand your insurance needs and determine the amount of cover you need to ensure you and your dependents will be financially secure. This may not be a simple task, however, it is essential that you take the time to consider the amount that will be enough to provide for your family in the future, especially if you become unable to take care of them financially. There are some key steps that can help you determine the amount of life insurance cover you may need:
Know how much cover you need
Calculate you needs
- Loans and debts
- Other loans and debts (e.g. credit card, personal loans)
- Monthly living expenses
- Vehicle and transport fees
- Home (e.g. electricity, insurance, council fees)
- Food and entertainment
- Education/child care
- To help you determine the amount of insurance coverage to purchase, consider the following:
- What will the immediate costs be for my family in the event of my death? This might include funeral expenses or the cost to prepare a financial plan.
- Are there any one-off expenses like paying off the mortgage or the vehicle loans that should be covered?
- What are the actual living expenses for my family each year?
- How many years will I need to cover until my children are no longer dependents?
- Do I have assets that my family will be able to use to help cover expenses?
Decide on the type of life insurance policy that will suit you and your family’s needs
Learn more about life insurance providers in Australia
- Reputation in the market: you should ensure that the company that you are considering is a recognised financial institution with a listed address.
- Claims paid in the past: Claims payment history shows that the company is able and willing to pay out claims in the future.
- Quality of customer service: Make sure that you find a company with a team of professional insurance advisors on hand to answer all of your questions from day one. A dedicated financial advisor goes a long way in helping you get the suitable.
- Claim process: Make sure that the insurer has a simple claiming process to ensure efficient claims in the future. Read up on customer reviews and note any complaints from previous customers regarding the claims system.
- Financial strength: When you consider the length of time that you will be dealing with your provider of choice, it is essential to find a company that will be financially stable for many years to come. One way to check this is by checking the companies credit rating.
- Policies on offer: It is essential to choose the company with a suitable range of products so that you can tailor your insurance policy to your specific needs and requirements. Remember that your policy may change in the future so the more options the better.
- Cost: research the exact cost structure of your policy, make sure you do not get fooled when comparing different premiums from different providers. Often a policy that may appear cheap at first will have hidden charges that will result in a higher final payment. You also do not want to be paying for a cheap insurance policy that will not end up providing you with the cover that you need.
As each person’s situation and needs are different, it is important to consult an insurance expert when you are looking to take out a life insurance policy.
How Do I Choose a Policy After Receiving Quotes for Life Insurance?
Entering your details to receive a quote online is only the first part of the process in finding your policy. Applicants must now take the time to weigh up the benefits and features of each policy to decide what option matches their needs. Here are some steps to take after receiving a quote.
- Read through the product disclosure statement: Read through the different components of a policy disclosure statement and compare the different features and benefits on offer. Different components of a PDS include:
- Entry age conditions: Details for minimum and maximum entry age for cover for the policy
- Sum insured conditions: Minimum and maximum amount of cover that can be taken out for each policy. This can vary occupation to occupation
- Built-in benefits: The different built-in features of the policy
- Additional benefits: Benefits that are available at an additional cost
- Premiums: Details of premium types that are available, benefit indexation, premium discounts, payment methods
- Fees and charges: May include policy fee, stamp duty fee and premium frequency charge
- Claims process: Details of the insurance companies claims process
- Tax: Tax treatment of insurance type
- Policy updates: Details of conditions for changes to policy including policy upgrades, changes of beneficiary, changes in ownership and policy cancellation conditions
- Benefit exclusions: Conditions for events that will and will not be covered under the policy
- Occupation categories: Characteristics of occupations that are specified within the policy
- Review the premium: Does the premium quoted reflect the value of the policy? How does this compare to other policies on offer?
- The insurance provider: Is it an industry recognised brand with financial strength and strong reputation? It can be worth doing some research into the company profile and previous and current customers experience taking out cover with them
- Consult with your insurance adviser: Be sure to ask your insurance adviser any questions you may have around the policy and its suitability for your situation. Ensure you are clear on the policy terms and conditions and happy with your decision before beginning the application process
Benefits of Getting a Life Insurance Quote Online
The additional benefits of receiving your life insurance quotes online:
- It’s free: There is no cost involved when you obtain a life insurance quote online. You can also make an enquiry and speak to an insurance consultant free of charge.
- Time-efficient: Obtaining online life insurance quotes only require you to enter your personal details, such as age, gender, occupation and annual salary. A quote will then be generated in a matter of seconds.
- Ability to compare multiple products available in Australia: You can save time by comparing a number of Australian life insurance policies and quotes at once as oppose to having to visit each insurer’s website.
- Obligation-free: When you request for a life insurance quote, you have no obligation to make a decision right away and purchase a policy.
- Your personal information will be treated with care: Some details are required to generate a preliminary quote based on what has been provided and these details will be kept secure in accordance to the Privacy Act.
- Experienced insurance specialists: You have the option to speak to an insurance specialist to discuss the life insurance quotes you have received. They can provide more information on product features and help you determine whether or not the policy is suitable for you.
Benefits of Receiving an Online Life Insurance Quote from Direct Insurance Provider
- Quote is unlikely to change: With reduced medical underwriting and the opportunity for cover to be put in place quickly, the quote that is first provided is unlikely to change a significant amount.
- Fast and convenient cover: Cover can be activated entirely online or over the phone if there is no need to submit additional medical underwriting.
- Immediate death cover: Cover is in place as soon as application is accepted.
Simple tips on how to secure the best* life insurance quotes
There are a number of tips that can help to make the hunt for suitable and affordable life insurance easier and faster, as well as help you make a more informed decision when it comes to choosing the right life insurance plan. Follow these ten simple tips:
- Make sure you are aware of your options: It is important to go in with your eyes open when doing something as important as taking out life insurance cover. You should therefore make sure you know exactly what your options are by doing your research, which you can do with increased ease and speed through the use of the internet
- Do not risk under insurance: If you fail to take out adequate levels of insurance, your family could be left to bear the brunt in the future. When you are working out how much coverage you should opt for, make sure you take inflation into consideration in addition to financial commitments and living costs. In general, it is recommended that you opt for between five and ten times your annual salary, although this can vary from one person to another based on circumstances and financial situations
- Choose the right policy: It is important that you choose the right type of policy, as this can impact on any claim that is made in terms of time. For example, you will usually find that a claim made on a policy taken from an insurance firm is processed far more quickly than one taken through insurance via a super fund
- Check the plan carefully: It is vital that you check any plan you are considering very carefully before you make any commitment. This includes checking the small print and exclusions as well as the main features of the plan, so you know exactly what you are signing up to
- Adopt a healthy lifestyle: The cost of life insurance can vary based on a number of factors, including how high or low a risk you pose to the insurance provider. Leading a healthier lifestyle can help you to secure life insurance at a lower price. This means improving health through a good diet, exercise, not smoking, moderating your drinking, etc.
- Compare plans: You need to bear in mind that there are many providers and plans to choose from when it comes to life insurance cover, so shopping around can really pay off. By comparing different plans and providers you can boost your chances of finding a policy that suits your needs as well as finding cover that fits in with your budget. Using the Internet can help to make it easier to shop around and find the right plan at the right price
- Get professional advice: It is not always simple and straightforward to determine which life insurance plan to choose or what you should look for when it comes to this type of coverage. Do not be afraid to seek advice from experts in the field if you are confused over any aspect of getting life insurance
- Consider joint life insurance cover: It is well worth considering also covering your partner when you take out life insurance cover, as this could enable you to benefit from increased peace of mind for the family and could save you money on your premiums
- Question anything you are unsure about: Even when you think you have found a suitable and affordable life insurance plan, you may find that you have a variety of questions. Make sure you get answers to any questions you have from the provider, through research or by speaking to a professional before you sign the documentation
- Carry out regular reviews: As is the case with any other type of insurance policy, your needs can change when it comes to life insurance cover. You should therefore make sure you review your policy on an annual basis, taking into consideration any important changes such as changes in your household and family, financial changes and health related changes
Examples of Life Insurance Quotes
Most people looking for an example of a life insurance quote are really just trying to get an estimate for what they might pay. Obviously this will vary based on personal details, product design and the insurers underwriting example. Insurance consultants will generally provide a preliminary quote in the initial stages of application before the insureds complete details have been taken into consideration i.e. before medical underwriting and further investigation into the nature of their occupation has taken place. The following example shows the average quotes for products featured on Life Insurance Finder:
- Age of Applicant: 35
- Sex: Male
- Sum-Insured: $500,000
- Smoking Status: Non-Smoker
- Average Cost of Life Cover Per Month: $31
- Age of Applicant: 35
- Sex: Male
- Sum-Insured: $500,000
- Smoking Status: Smoker
- Average Cost of Life Cover Per Month: $57.69
Life Insurance Quotes Comparison: Checklist
Use the following checklist to ensure you get the right amount of coverage for your personal situation and needs.
- Other debts?
- Dependent children?
- Living expenses?
- Medical bills?
- Your business?
- For how long will you require coverage?
- When will the mortgage be paid off?
- When will my children finish their education?
- How much will I have saved up for retirement?
- What type of life insurance coverage do I need?
- Term life insurance
- Trauma cover
- Income protection
- Am I willing to pay the ongoing premiums for this amount of coverage?
- Compare life insurance quotes from a range of providers.
- Note the variety of options available and find out which are suitable to your situation.
- Read the Product Disclosure Statement (PDS).
- Seek specialised advice tailored to your needs from a life insurance adviser.
- What needs to be covered under unfortunate circumstances?
Next Steps to Receive Life Insurance Quotes Online
Purchasing life insurance is not a decision to be taken lightly, however, finding the right policy to suit your situation and needs does not have to be complicated. Start by doing your research and compare as many quotes as possible to give you an idea on how much a life insurance policy will cost you. Speak to an insurance specialist if you require more information on specific insurance products, as they will be able to explain the different features of the policies and whether or not they will be suitable for you. Taking all the necessary steps to obtain a life insurance quote will not only save you time and money, but it will also help you make an informed decision with confidence.Back to top
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* The offers compared on this page are chosen from a range of products finder.com.au has access to track details from and is not representative of all the products available in the market. Products are displayed in no particular order or ranking. The use of terms 'Best' and 'Top' are not product ratings and are subject to our disclaimer. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.