Compare policies from leading Australian insurers in minutes. Affordable, straightforward, and tailored to your needs — even if you've never had cover before.
Life insurance doesn't have to be confusing. Here's a clear breakdown of what it is, how it works, and why it might be one of the most important financial decisions you'll ever make.
A life insurance policy pays out a lump sum to your beneficiaries if you pass away during the term of the policy. This money can be used to clear an outstanding mortgage, cover daily living expenses, fund your children's education, pay off debts, or simply provide a financial cushion during an incredibly difficult time.
Term life insurance is the most common and affordable option — you're covered for a set period, such as 20 or 30 years. Total and permanent disability (TPD) cover and trauma insurance can be added to many policies for extra protection. Each type serves a different purpose, and the right one depends on your circumstances.
Insurers assess several factors when calculating your premium: your age, overall health, whether you smoke, your occupation, your lifestyle (including hobbies), and the amount of cover you need. Generally, the younger and healthier you are when you apply, the lower your premiums will be.
Premiums tend to rise as you get older, and any changes in your health could affect your eligibility or the cost of cover. By securing a policy today, you lock in a rate based on your current age and health status. Even if you already have a policy through your super fund or an existing provider, it's worth reviewing.
Answer a few quick questions and we'll match you with policies from Australia's leading insurers. No commitment, no pressure — just clear options tailored to you.
This helps us find the most suitable policies for your life stage.
Premiums can vary, so we use this to refine your quotes accurately.
Smoking status significantly affects premium calculations.
Your occupation helps insurers assess risk levels accurately.
Drag the slider to select your desired level of cover.
Here's a summary of what we'll use to find your best match.
Answer a few quick questions — age, health, lifestyle, and desired cover level. It takes under two minutes, and there's zero obligation.
Our system scans policies from over ten of Australia's leading life insurers, identifying the ones that best match your profile and budget.
Review your personalised quotes side by side. Ask questions, adjust the terms, and select the policy that feels right — all with expert guidance available.
A healthy 35-year-old non-smoker can secure $200,000 of term life cover from as little as $12.50 per month. Many people overestimate the cost — getting a quote is the only way to know for sure.
Roughly one in three Australian adults holds no life insurance at all, leaving millions of families without a financial safety net. Taking out even a modest policy can make a meaningful difference.
A common rule of thumb is to aim for cover equal to ten times your annual income. This helps ensure your loved ones can maintain their lifestyle and meet long-term financial commitments.
Up to 60% of policyholders never review their cover after purchasing it. Regular reviews can uncover cheaper rates, better terms, or gaps in protection that may have emerged over time.
A common rule of thumb is to aim for cover equal to ten times your annual income. But it really depends on your personal circumstances — think about your mortgage balance, any outstanding debts, and how many years of financial support your dependents would need. Our coverage slider in the survey can help you visualise different levels.
Insurers look at several factors: your age, gender, smoking status, occupation, general health, lifestyle (such as hazardous hobbies), and the amount and length of cover you choose. In Australia, premiums can also be influenced by whether you hold cover inside or outside your superannuation fund.
Absolutely not. Getting a quote through us is completely free and comes with zero obligation. You're under no pressure to purchase anything. We simply present you with options, and you decide if and when you'd like to proceed.
Many Australians hold life insurance through their super fund by default. While convenient, these policies may not offer sufficient cover or the best value. We can help you compare your existing cover with retail options to see if you could get better protection for a similar premium.
We compare a selection of life insurance providers in Australia. We do not compare all insurers or products available. Any information provided on this website is of a general nature and does not take into account your individual needs, objectives, or financial situation. Tennesseedrivertraining Pty Ltd is a corporate authorised representative of an ASIC‑regulated firm. For more details on how we operate and how we earn our income, please refer to our Financial Services Guide.
