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Compare quotes from Australia's leading insurance providers in minutes. Free, fast, and no obligation.
Five types of personal insurance solve five different financial shocks. Pick the cover type matching your question to compare quotes side by side across the panel.
Each table shows factual product features such as maximum sums insured, waiting and benefit periods, indexation options, and key exclusions. Premiums vary widely by age, occupation, smoker status, health history, and policy structure, so the same cover level can produce different prices across insurers.
The comparisons are factual product information, not a personalised recommendation. The right cover depends on your debts, dependants, occupation, existing cover inside super, and budget. To see indicative prices, generate a quote in about three minutes or book a call.
Protect your loved ones with financial security in the event of your death
What's covered:
Get your free quote in under 2 minutes
Financial protection if you become totally and permanently disabled and unable to work
What's covered:
Get your free quote in under 2 minutes
Receive a lump sum payment if diagnosed with a specified critical illness or injury
What's covered:
Get your free quote in under 2 minutes
Replace your income if you become unable to work due to illness or injury
What's covered:
Get your free quote in under 2 minutes
Keep your business running by covering fixed expenses if you cannot work due to illness or injury
What's covered:
Get your free quote in under 2 minutes
Comparing insurance quotes can save you thousands of dollars per year
Find competitive pricing across leading insurers
Discover policies with more comprehensive protection
Compare insurance options side by side
Ready to get started? Choose an insurance type above to begin comparing quotes, or read our full life insurance comparison guide covering all 9 panel insurers.
Researching brokers? See our side-by-side write-up: IMFL vs Lifebroker.
Back to HomeNine: AIA, Zurich, TAL, OnePath, ClearView, NEOS, Encompass, Acenda, and Futura. The comparison tables cover the full panel for each cover type, and quotes price the same cover across all nine at once, so you are comparing the bulk of the Australian retail life insurance market in one pass rather than two or three brands.
Yes, in two forms. The comparison pages here are written feature-by-feature comparisons across the panel, covering the product terms that differ between insurers. Generating a quote adds the pricing layer: the same cover amount is priced by each insurer and presented side by side, so you can see both what each product does and what it costs for identical cover.
The comparison tables show the product terms that decide payout behaviour: TPD definitions (own versus any occupation), terminal illness benefit windows, trauma condition lists and partial benefits, and income protection waiting and benefit periods. Those terms are what make the same event claimable under one policy and not another. For a walk-through of how specific definitions respond in common scenarios, a no-obligation call with the broker covers it; the discussion is general advice only.
Yes. This hub compares five cover types (life, TPD, trauma, income protection, and business expenses) across the same nine-insurer panel, and a single quote request can include multiple cover types together, so a life plus TPD plus income protection combination is priced in one pass rather than three separate exercises.
General Advice Warning: The information on this page is general in nature and does not take into account your personal objectives, financial situation, or needs. You should consider whether the information is appropriate for your circumstances before acting on it.