Life Insurance is a little complicated and a lot overwhelming. That's why we made the Finder Score, to make it easier to compare Life Insurance products against each other. Our experts analysed over 30 products and gave each one a score out of 10.
But a higher score doesn't always mean a product is better for you. Your situation is unique, so your policy choice will be too. Don't think of Finder Score as the final word, but as a good place to start your life insurance comparison.
| Fund | Maximum Cover | Maximum Entry Age | Fully Underwritten | Terminal Illness Benefit | Optional Extras | Apply |
|---|---|---|---|---|---|---|
 Real Term Life Cover | $100,000 | 79 | No | $100,000 | No optional | |
| $200,000 | 79 | No | $200,000 | No optional | |
 BT | Call BT at 1300 553 764 to get a personalised quote for your circumstances | 69 | Yes | Call BT at 1300 553 764 to get a personalised quote for your circumstances | TPD Benefit, Living Benefit, Business Cover Benefit | |
 Westpac | Call Westpac at 132 135 to get a personalised quote for your circumstances | 69 | Yes | Call Westpac at 132 135 to get a personalised quote for your circumstances | TPD Benefit, Living Benefit, Business Cover Benefit | |
 St.George | Call St. George at 132 135 to get a personalised quote for your circumstances | 69 | Yes | Call St. George at 132 135 to get a personalised quote for your circumstances | TPD Benefit, Living Benefit, Business Cover Benefit |
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.
Below is a quick view of how much life insurance could cost you, per month.
| Policy | Cover amount | Monthly premium* | Apply |
|---|---|---|---|
NobleOak | $500,000 | $23.11 | |
Zurich | $500,000 | $35.88 | |
Medibank | $500,000 | $44.34 | |
| TAL | $500,000 | $25.59 | |
AHM | $500,000 | $42.14 | |
Insuranceline | $500,000 | $49.76 | |
AAMI | $500,000 | $49.76 | |
Suncorp | $500,000 | $49.76 | |
| Bendigo | $500,000 | $56.99 | |
| AIA | $500,000 | $27.55 | |
| AMP | $500,000 | $26.52 | |
| BT | $500,000 | $27.68 | |
| Clearview | $500,000 | $25.02 | |
| Acenda | $500,000 | $25.58 | |
| Onepath | $500,000 | $26.61 |
*Prices are an estimate based on a 35 year old non-smoking male office worker. Quotes last checked on September 2021 and are subject to change.
This will really depend on your own situation and what you would need to cover in the event of your death.
Some key triggers that lead people to take out cover or review their existing cover include buying a house, getting married and having their first child.
| 18-25 | 25-35 | 35-45 |
|---|---|---|
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| 45-55 | 55-65 |
|---|---|
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The maximum entry age may also change based on the type of premium you choose and how much cover you apply for.
Finder members can get up to $300 when they take out a NobleOak life insurance policy - but this limited-time offer ends 30 June or unless withdrawn earlier
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Australian Seniors Term Life
