Work out what your family
would actually need.
Life cover is not about the biggest number. It is about what your household would need to keep going, at a premium you will still be paying in ten years.
Free & no obligationTakes about 2 minutes
If your income stopped, what happens?
Cover sized against the mortgage, the years of schooling left and the income your household actually runs on.
Compare family coverKeep the roof over their heads.
The most common reason people take cover: enough to clear the mortgage so nobody has to sell in a bad year.
Compare mortgage coverPolicies drift out of date.
Cover taken out a decade ago rarely matches today's mortgage or family. A review costs nothing and often finds you are over or under insured.
Review my cover- average compare time
- 2 min
- cost to compare
- $0
- premiums explained
- Stepped vs level
- to switch
- No obligation
Questions people ask
Stepped or level premiums, which is better?
Stepped starts cheaper and rises each year with your age. Level costs more up front and rises far more slowly. If you expect to hold the cover for a long time, level often wins overall, but it depends how long you keep it.
Do I need a medical?
Not always. Many policies underwrite on questions alone up to a certain cover amount and age. Larger amounts, or a health history, may mean a medical or a report from your GP.
Is life cover through super enough?
It is a reasonable start and premiums come from your super balance rather than your bank account, but default cover is often well below what a household with a mortgage would need. It is worth checking the amount rather than assuming.
While you're cutting bills, check these too
Each one takes about two minutes.
