Life Insurance Australia

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Welcome to your independent life insurance and income protection quote comparison and broker referral service, providing access to competitive life insurance quotes and information from participating brokers and insurers across Australia.

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Comparison results are from participating brokers within our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

Why Life Insurance?

income protection insurance, disability insurance, sickness and accident cover, income replacement, work cover, term life insurance Life Insurance is arguably one of the most important insurance policies that your money can buy.

Whilst the majority of people insure their physical assets, such as their home & contents, car, etc, many forget that, without a continuing income, these assets may be at risk for dependants.

We can connect you with specialist brokers who can help you tailor a life / income protection insurance solution to support your beneficiaries` financial future.

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Competitive Rates

Life Insurance rates can vary dramatically from one company to another - partly because the features and benefits can differ. There are many factors used to determine the price that you will pay for your cover and each insurer will treat each criterion within their own guidelines. With access to a wide range of policies from multiple participating insurers, brokers in our referral network can help you find a competitive life insurance solution that suits your needs and budget.

income protection insurance, disability insurance, sickness and accident cover, income replacement, work cover, term life insurance

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Compare Options

Every Life Insurance policy is different - meaning that some policies will suit your needs and circumstances better than others. Through the extensive experience of our nationwide broker panel, we can help you find a way through the complex maze of features and benefits to a policy designed for your situation at the best possible price.

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Multiple Insurers

To access competitive life insurance quotes and support from specialist life insurance brokers and insurers in our broker referral network, simply complete our Life Insurance quote request form. Any personal advice about life insurance will be provided by the licensed adviser we refer you to.

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Life Insurance Articles

Common Mistakes to Avoid When Comparing Life Insurance Policies

Choosing the right life insurance policy is one of the most important decisions for Australians, especially for those who are middle-aged or older. Life insurance provides financial security for your loved ones in the event of your passing, ensuring that they are not burdened with financial hardships. - read more

A Millennial's Guide to Life Insurance

For many millennials, navigating the complexities of personal finance and future planning can feel like a bewildering journey. Among these financial responsibilities, life insurance emerges as a paramount consideration. More than just a safety net, life insurance can be the cornerstone of a sound financial strategy, providing peace of mind for both the policyholder and their loved ones. - read more

Trauma Cover: Calculating Adequate Protection for Life's Unexpected Moments

The financial fabric of our lives consists of both planning and safeguarding against the unforeseen. Trauma cover, a lesser-known but crucial aspect of personal insurance, provides this protection by offering a lump sum payment upon diagnosis of specific serious illnesses or injuries. In the tapestry of financial planning, it acts as a vital safety net, ensuring that unexpected health crises do not lead to monetary distress. - read more

Understanding the Role of Life Insurance in Financial Security

Life insurance can seem complex at first, but understanding the basics can help demystify this important financial product. At its core, life insurance is a contract between you and an insurer, where the insurer promises to pay a designated beneficiary a sum of money upon your passing, in exchange for premium payments. - read more

The Digital Age of Insurance: Keeping Costs Down with Online Quotes

The horizon of the insurance industry has undergone a transformative shift with the advent of digital technology. With a few clicks, consumers can navigate the once-complex world of insurance policies from the comfort of their home. The digital landscape for insurance services offers unprecedented access to information, comparisons, and instant communication, fostering a more empowered insurance client. - read more

Insurance News

Australia Prohibits Use of Genetic Test Results in Life Insurance Underwriting

24 Apr 2026: Paige Estritori

In a significant development for the Australian life insurance industry, the Parliament has passed the Treasury Laws Amendment (Genetic Testing Protections in Life Insurance and Other Measures) Act 2025. This legislation, enacted on 1 April 2026, prohibits insurers from using genetic test results to influence underwriting decisions for life, income protection, or trauma insurance policies. The ban is set to take effect on 8 October 2026. - read more

Rising Mental Health Claims Reshape Australia's Life Insurance Landscape

24 Apr 2026: Paige Estritori

The Australian life insurance industry is witnessing a significant increase in mental health-related claims, with recent data indicating that these claims now account for nearly one-third of all total and permanent disability (TPD) claims paid. This trend underscores the growing impact of mental health issues on the workforce and the broader community. - read more

AIA Australia Highlights Need for Structural Reforms in Life Insurance Industry

24 Apr 2026: Paige Estritori

AIA Australia CEO Damien Mu has raised concerns about the sustainability of the current life insurance model, citing rising mental health claims, increasing premiums, and ongoing cost-of-living pressures as key factors necessitating structural changes within the industry. - read more

Queensland Farmers' Market Threatened with Eviction Over Insurance Dispute

23 Apr 2026: Paige Estritori

In a developing situation in south-east Queensland, the Three Creeks Farm Stall, a popular farmers' market operating in Eileen Hose Park near Gympie, is facing potential eviction due to a dispute over public liability insurance requirements imposed by the Gympie Regional Council. - read more

Record Surge in Insurance Complaints Due to Claim Processing Delays

23 Apr 2026: Paige Estritori

Recent data from the Australian Financial Complaints Authority (AFCA) reveals a significant increase in complaints against insurance companies, with an average of 100 complaints per day. This surge is primarily attributed to delays in processing everyday claims, affecting both home-building and motor vehicle insurance sectors. - read more

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Knowledgebase

Underwriting:
The process by which an insurer determines the risk of insuring a client and decides the terms of coverage.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.