Get your indicative quotes

How it works

1. Fill in the form. We use your age, smoker status, occupation, and the cover types you’re interested in to generate indicative premiums from the panel insurers.
2. Torben calls you back. A licensed adviser walks you through the indicative premiums, the trade-offs between insurers (waiting periods, definitions of disability, indexation), and which insurers are likely to consider your circumstances.
3. You decide what to do next. No obligation. If you want to apply, the adviser arranges a pre-assessment with the relevant insurer’s underwriter to confirm the price and terms before any formal application.

What you’ll need

• Date of birth and Australian state of residence
• Occupation and approximate annual income (for income protection)
• Smoker / non-smoker status (insurers price these very differently)
• Rough idea of the cover types you want (life, TPD, trauma, income protection)

Why “indicative”?

Final premiums depend on full health and lifestyle disclosure, which the insurer’s underwriter reviews during a formal pre-assessment. The figures you see after submitting this form are factual examples drawn from the insurers’ published rates for the inputs you provide — useful for comparing relative cost across insurers, but not a binding offer. You will never be locked into a policy from filling in this form.