Life Insurance in Australia
A tax-free lump sum paid to your loved ones if you pass away or are diagnosed with a terminal illness — so they can clear the mortgage, replace your income and keep their world intact.
- Lump sums from $100,000 to $5 million+
- Premiums can be paid annually from your super
- Access to TAL, AIA, Zurich, MLC, Resolution Life and Neos
- Guaranteed renewable to age 99
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What is life insurance?
Life insurance (also called death cover or term life cover) pays a tax-free lump sum to your nominated beneficiaries if you pass away or are diagnosed with a terminal illness with a life expectancy of less than 24 months. The payout can be used however your loved ones need — clearing the mortgage, replacing your income for years to come, funding education costs, or simply giving your beneficiaries the breathing room to grieve without financial pressure.
We provide personalised advice on life insurance solutions with strong features, pricing and underwriting outcomes. Cover can be held inside superannuation (premiums deducted from your super balance) or outside super (paid from after-tax income), and in most cases we structure a combination of both to optimise tax and cash flow.
What's included
Tax-free lump sum
Paid to your beneficiaries quickly so they can act on mortgage, debt and living costs.
Terminal illness benefit
Access up to 100% of your cover early if diagnosed with less than 24 months to live.
Flexible premium structures
Stepped, level or hybrid — modelled side-by-side so you can see the lifetime cost.
Pay from your super
Premiums payable annually from your superannuation balance to protect cash flow.
Automatic indexation
Cover increases each year with inflation so its real value doesn't slip backwards.
Optional TPD add-on
Bundle Total & Permanent Disability cover for a small extra premium and broader protection.
Who needs life insurance?
- Anyone with a mortgage or significant personal debt
- Parents with dependent children
- Single-income households relying on one earner
- Business owners with partners or business loans
- Couples planning for children in the next few years
- Anyone who wants to leave a financial legacy
What it costs
Indicative monthly premiums for $500,000 of life cover, healthy non-smoker, stepped premiums. Your actual quote will depend on your health, occupation, smoker status and the insurer chosen.
| Age | Indicative monthly premium |
|---|---|
| 30 | $20 – $35 / month |
| 40 | $35 – $60 / month |
| 50 | $80 – $140 / month |
| 60 | $200 – $360 / month |
- • Smokers typically pay 50–80% more than the figures above.
- • Level premiums start higher but usually work out cheaper over the life of the policy.
- • Bundling with TPD or trauma cover often reduces the combined premium.
- • Figures are indicative only and not a quote — we'll prepare a personalised comparison at no cost.
Frequently Asked Questions
Straight answers from a specialist with 8+ years of experience advising Australians.
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