Protect what matters most.
Compare life insurance in Australia with confidence
What Happens If Your Income Stops?
The real cost of living without income
This is exactly why Income Protection exists TO support your family when times get tough.
Peace Of Mind Starts With having a Plan
Meet the 'buddy'
who's got you covered
Breakdown life insurance protection in simple terms- Show you options to save without reducing protection
- Explain common gaps and hidden risks people often overlook
- Compare policy features so you understand the key differences
- Highlight common issues that leads to exclusions or declined claims
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We provide clear life insurance general advice, facts and figures so you can choose the protection that suits you.
No obligation.
You don’t pay us we’re paid by the insurers, and our process is fast, phone-based and hassle-free.
We can do everything over the phone or Zoom. No endless back-and-forth or paperwork delays.
We provide general advice — facts, figures and clear options to help you choose the protection you want.
No obligation.
You don’t pay us we’re paid by the insurers, and our process is fast, phone-based and hassle-free.
We can do everything over the phone or Zoom. No endless back-and-forth or paperwork delays.
Many Australians use the term “life insurance” to describe
personal protection cover in general.
But technically, Life Cover (or Death Cover) pays a lump sum to your family if you pass away or are diagnosed with a terminal illness.
It’s designed to help protect your loved ones financially by covering things like the mortgage, debts, school fees, and everyday expenses
It varies depending on your age, health, occupation and how much cover you need. For a healthy 30-year-old non-smoker, you might pay around $50-150 per month for decent cover. The earlier you get it, the cheaper it generally is. Get a quote to see your exact price — no strings attached.
If you have people depending on you financially — a partner, kids, a mortgage — then yes, life insurance is worth considering. It means if something happens to you, your family won't be left scrambling financially. Even if you're single, it can cover debts or funeral costs so your family isn't burdened.
Great question. Here's the quick breakdown:
• Life (Death Cover): Pays a lump sum if you pass away or are diagnosed with a terminal illness.
• TPD (Total & Permanent Disability): Pays a lump sum if you can never work again due to illness or injury.
• Trauma (Critical Illness): Pays a lump sum if you're diagnosed with a serious condition like cancer, heart attack or stroke.
• Income Protection: Replaces up to 70% of your monthly income if you can't work due to illness or injury.
Yes — but different insurers assess conditions differently. Some might load your premium, others might exclude that specific condition, and some might offer standard rates. That's why it pays to compare. We've helped people with all sorts of health backgrounds find cover that works.
You lose your cover, full stop. Any premiums you've paid are gone, and if your health changes later, you might find it harder (or more expensive) to get cover again. If you're thinking about cancelling, chat to us first — we might be able to help you reduce your cover instead, or find a better option.
100%. No upfront fees, no obligation. We chat for 15 minutes, we show you what's out there, you decide what to do. We're not here to pressure you into anything.
Once you decide on cover, the application itself takes about 15-20 minutes. Approval can be instant, or it might take a few days if the insurer needs more info. We'll guide you through the whole process.
Superannuation insurance (sometimes called group insurance) is cover inside your super fund — it's often cheaper but the cover amounts are usually lower and it's not tailored to your situation. Retail life insurance is a policy you buy directly, gives you more control over your cover, and generally offers better protection. We've got a whole section on this above — check out "But Don't I Already Have Cover Through My Super?"
