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Protect Your Loved Ones: Compare Life Insurance In Australia

Welcome to Life Insurance Online – an Australian platform for comparing life insurance and related cover. We make it easier to explore options by connecting you with experienced, licensed brokers from our national referral panel, who can help you compare policies and premiums. Whether you're seeking comprehensive life insurance or income protection to safeguard your financial future, our service streamlines the process. Submit a single quote request, compare life insurance quotes, and review coverage options that may suit your needs—all in one convenient place!

We help you compare cover at competitive rates

  • Competitive Rates
  • Multiple Insurers
  • Compare Options
  • Professional Service
  • Personal Advice

Your Life Insurance Quote Starts Here

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All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.

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.

What Is Life Insurance?

Life insurance provides financial security for your loved ones if you pass away. It ensures they can cover essential expenses like mortgage payments, daily living costs, education, and outstanding debts. With the right policy, you gain peace of mind knowing your family’s future is protected.

How Does Life Insurance Work?

When you take out a life insurance policy, you agree to pay regular premiums.

In return, your insurer provides a lump sum payment—called a death benefit—to your beneficiaries upon your passing.

The amount and terms of coverage depend on your chosen policy type.

>> Learn more about life insurance >>

Types of Life Insurance

  • Term Life Insurance: Offers coverage for a fixed period (e.g., 10, 20, or 30 years) and pays out if you pass away within that term. It's an affordable option for those seeking straightforward protection.
  • Income Protection Insurance: Ensures you receive regular payments if you’re unable to work due to illness or injury.
  • Total & Permanent Disability (TPD) Insurance: Covers you if you become permanently disabled and can no longer work.
  • Trauma Insurance: Pays a lump sum if you’re diagnosed with a serious illness or injury, helping with medical costs and lifestyle adjustments.

Corporate Life Insurance

Corporate life insurance is essential for safeguarding the financial stability of a business.

Key man insurance protects a company against the loss of a vital employee or business owner whose absence could affect revenue or operations. Buy sell agreements, backed by life insurance policies, help facilitate the smooth transfer of ownership in the event of a partner's death or permanent disability, ensuring business continuity and fair valuation.

>> Get a Corporate Life Insurance quote >>

Why Is Life Insurance Important?

Life insurance is essential for anyone who wants to secure their family’s financial future. It helps cover:

  • Mortgage repayments and rent
  • Everyday living expenses
  • Education costs for children
  • Funeral expenses
  • Outstanding debts and loans

Without life insurance, your loved ones may face financial difficulties during an already challenging time.

How Much Life Insurance Do You Need?

Your ideal coverage depends on factors like your income, outstanding debts, lifestyle, and the needs of your dependents.

Many experts recommend coverage of at least 10-15 times your annual income to ensure your family remains financially stable.

Family Life Insurance Calculator

Family Life Insurance Calculator image

Plan ahead with our Family Life Insurance Calculator, designed for couples who want a clearer picture of their protection needs. It assesses Life, Trauma and TPD cover for both partners, factors in existing policies and super benefits, and highlights any shortfalls with detailed recommendations and easy-to-read visual insights.

Who Should Consider Life Insurance?

  • Parents with young children
  • Homeowners with a mortgage
  • Business owners and entrepreneurs
  • People with dependents who rely on their income
  • Anyone wanting to leave a financial legacy
>> Get a Quote >>

How to Get Life Insurance?

  1. Compare Policies: Research different life insurance options to find the best coverage for your needs.
  2. Get a Quote: Use an online calculator or speak with a financial advisor to determine the right level of coverage.
  3. Apply Online: Submit your application and provide necessary health and lifestyle details.
  4. Get Covered: Once approved, your policy is active, and you can enjoy peace of mind knowing your family is protected.

Why Life Insurance?

Life insurance (also known in as term life insurance) is an insurance cover for individuals and businesses to indemnify against the financial implications resulting from the death (or disability) of an individual or individuals..

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Competitive Rates

Life Insurance rates vary considerably from one insurer to another - largely due to the features and benefits being different from one company to the next. But there are many other factors used in calculating the rate that you will pay for your insurance and each insurer will treat each criteria within their own guidelines. With access to a wide range of policies from their provider panels, brokers in our network can help you find great value-for-money Life Insurance options.

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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 policies that may suit your situation at competitive prices.

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Multiple Insurers

To access the best Life Insurance rates and financial advice from a comprehensive selection of Australia`s premier and most reputable Life Insurance expert brokers and insurers, all you need do is complete our simple Life Insurance quote request form.

>> Start here >>

Personal Advice

Life Insurance Online does not provide personal financial advice or claims assistance directly. All enquiries, including quote comparisons and any claims assistance or advice, are handled by a licensed specialist broker selected from our Australia-wide referral partner network, who will communicate with you directly after you submit a quote request. The type of information or advice you receive (general or personal) will depend on your engagement with the broker and their regulatory obligations.

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Broker Matching

A specialist Life Insurance Broker will be assigned to your enquiry based on your location, specific requirements and your personal circumstances, as identified from the answers you provide in your life insurance quote request. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.

>> Find a Broker >>

Insurance News

ACCC Halts IAG's Bid to Acquire RAC WA's Insurance Operations
ACCC Halts IAG's Bid to Acquire RAC WA's Insurance Operations
05 May 2026: Paige Estritori
The Australian Competition and Consumer Commission (ACCC) has recently opposed the proposed acquisition of RAC WA's insurance division by Insurance Australia Group (IAG). This decision stems from concerns that the merger could significantly reduce competition within Western Australia's insurance sector, potentially leading to higher premiums for consumers. - read more
South-West Queensland Councils Explore Community Insurance Mutual to Combat Rising Premiums
South-West Queensland Councils Explore Community Insurance Mutual to Combat Rising Premiums
05 May 2026: Paige Estritori
In response to escalating insurance premiums, with some residents experiencing increases of up to 500%, councils in South-West Queensland are exploring the establishment of a community insurance mutual. This initiative aims to provide more affordable and accessible insurance options for local communities, particularly those in flood-prone areas. - read more
IAG Highlights Climate Change as a Factor in Rising Home Insurance Premiums
IAG Highlights Climate Change as a Factor in Rising Home Insurance Premiums
05 May 2026: Paige Estritori
Insurance Australia Group (IAG) has recently highlighted the impact of climate change on rising home insurance premiums across Australia. The insurer reports that increasingly frequent and severe weather events are contributing to higher costs for homeowners seeking coverage. - read more
ACCC Halts IAG's Bid to Acquire RAC WA's Insurance Division
ACCC Halts IAG's Bid to Acquire RAC WA's Insurance Division
05 May 2026: Paige Estritori
The Australian Competition and Consumer Commission (ACCC) has recently opposed Insurance Australia Group's (IAG) proposed acquisition of the Royal Automobile Club of Western Australia's (RAC WA) insurance division. This decision stems from concerns that the merger would significantly reduce competition within Western Australia's insurance market, potentially leading to higher premiums for consumers. - read more
Unprecedented Rise in Mental Health Insurance Claims Challenges Super Funds
Unprecedented Rise in Mental Health Insurance Claims Challenges Super Funds
05 May 2026: Paige Estritori
Australia is witnessing a significant increase in mental health-related insurance claims, particularly within superannuation funds. This surge has led to calls for more efficient processing and faster payouts to support individuals facing mental health challenges. - read more
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Life Insurance Articles

Understanding Your Insurance Needs at Every Life Stage
Understanding Your Insurance Needs at Every Life Stage
Navigating the complex world of insurance can often feel daunting, but understanding the importance of life stage consideration when choosing life insurance is essential. As we journey through the various chapters of our lives, our financial responsibilities, dependents, and personal circumstances evolve. These changes invariably have significant implications for our insurance needs. - read more
The Impact of Hobbies and High-Risk Activities on Life Insurance Costs
The Impact of Hobbies and High-Risk Activities on Life Insurance Costs
Life insurance is an essential financial protection that provides peace of mind to policyholders and their loved ones. The premiums you pay are determined by various factors, including age, health, lifestyle, and occupation. - read more
Strategies to Use Life Insurance in Funding Shareholder Agreements
Strategies to Use Life Insurance in Funding Shareholder Agreements
Shareholder agreements lay the cornerstone for stable business relationships and continuity in Australia. Acting as a contract among business owners, these agreements set forth the expectations, rights, and obligations of all parties involved. They are particularly vital in delineating clear paths for dispute resolution, succession planning, and the transfer of ownership shares under varied circumstances, including the untimely death or departure of a shareholder. - read more
How Much Life Insurance Does Your Family Actually Need?
How Much Life Insurance Does Your Family Actually Need?
Financial security for families is an essential consideration in any household. Life can be unpredictable, and ensuring that your loved ones are protected from financial hardship in your absence is a critical part of financial planning. - read more
The Impact of Health and Medical History on Insurance Premiums
The Impact of Health and Medical History on Insurance Premiums
Life insurance is a critical component of a sound financial plan. It provides financial security and peace of mind to you and your loved ones, ensuring that they are taken care of in the event of your untimely death. - read more

Knowledgebase
Peril:
A specific risk or cause of loss covered by an insurance policy, such as fire, theft, or flood.

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