What would you like to compare today?

This hub lets you compare five core types of personal insurance side by side: life cover, TPD (Total and Permanent Disability), trauma cover, income protection, and business expenses cover. Each type protects against a different kind of financial shock — life cover replaces income for dependants if you pass away, TPD pays a lump sum if illness or injury permanently prevents work, trauma pays on diagnosis of a listed serious condition, income protection pays a monthly benefit while you cannot work, and business expenses cover keeps a small business running through a long absence.

Pick the cover type that matches the question you are trying to answer, and you will land on a side-by-side comparison of the nine insurers on the IMFL panel — AIA, Zurich, TAL, OnePath, ClearView, NEOS, Encompass, Acenda, and Futura. The comparison tables show factual product features such as maximum sums insured, waiting and benefit periods, indexation options, and key exclusions. Premiums vary widely by age, occupation, smoking status, health history, and policy structure, so the same cover level can produce very different prices across insurers.

The comparisons here are factual product information, not a personalised recommendation. The right cover for your situation depends on your debts, dependants, occupation, existing cover inside super, and budget. To see indicative prices for your specific profile, generate a quote in about three minutes — or book a call to walk through the trade-offs together.