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Compare Life Insurance Quotes Online & Save Money

Russell Cain
Russell Cain Updated: 05 July 2020

When searching for great value life insurance that’s also affordable, shopping around and comparing quotes online can help you find a great deal.

Select insurance comparison sites let you instantly compare quotes online from a wide range of life insurance companies. The best ones will provide you with accurate premiums, as well as features and benefits suited to your requirements, for example, your age, the cover amount and policy type you’re interested in and the state you live in.

When comparing life insurance quotes online, you’ll get a good idea of what’s available and what you can expect to pay. Use the guide below to get started.

Compare Life Insurance Quotes

Protect what’s most important to you. It’s easy, convenient and free!

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Why you should compare insurance quotes before buying a policy

Every person’s situation and life insurance needs are different. When using a website that shows life insurance rates from a variety of major insurance companies in Australia you can get instant term life insurance quotes that fit your requirements and budget.

Benefits of comparing life insurance quotes online

  • Save money by shopping around
  • Easily review all available options in one place
  • Pick a policy that works best for you and your family
  • Quick and easy application process once you’ve found the right quote

What to look for when choosing a comparison website

For an effective online life insurance comparison, you’ll want to use a comparison tool which usually has the following characteristics:

Using the right life insurance quotes website can help you find a variety of the most affordable policies that meet your requirements.

Get quotes directly from our life insurance partners

Maximum CoverMaximum Entry AgeExpiry Age
Maximum Cover $1,000,000 Maximum Entry Age 64 Expiry Age No expiry age if policy remains in force Get Quotes

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Maximum Cover $1,500,000 Maximum Entry Age 64 Expiry Age No expiry age if policy remains in force Get Quotes

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Maximum Cover $1,500,000 Maximum Entry Age 69 Expiry Age 99 Get Quotes

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What to consider before requesting life insurance quotes in Australia

Before requesting a life insurance quote, you might want first to determine a few things, including who and what you want to protect and what you can afford.

1. Determine how much life insurance you need

The amount of life insurance you need should be based on your stage of life and financial responsibilities. For example, if you have young children and a mortgage, you probably need more coverage compared to a young, single person, with no dependents. Make sure the cover amount you choose is sufficient to cover all your family’s future expenses.

2. The type of insurance you want

Carefully consider the type of insurance policy you’re likely to need by taking your age and health into account. If you’re looking for coverage to protect your income, in the event you’re unable to work because of an illness or accident, you’ll likely want income protection insurance or a TPD policy, depending on your circumstances and occupation. Generally, the options available to you, include:

3. Your budget

Next, determine the premium amount you can afford to pay. You don’t want to buy a policy only to cancel it within the year because you can’t keep up with the payments. Because you’ll pay your premium on a regular basis, it should be something you can afford. Consider whether stepped or level premiums will suit your budget best.

4. Built-in benefits and optional paid features

Not all policies are created equal, some offer only the basics with limited features, while others include a comprehensive list of benefits.

Decide beforehand what type of features must be listed in your policy and those you’re willing to pay extra for. For example, depending on the insurer you choose, child cover could be free or added for an additional fee.

5. How important is health rewards?

Some major life insurance companies in Australia offers healthy living rewards as an incentive to living a healthier and more active lifestyle. Rewards include anything from premium discounts, to gym memberships and movie tickets.

If you need a bit more information or a comprehensive overview of your policy options, please consider a comparison website that also provides you with guidance from an insurance specialist.

Life Insurance Quotes

  • Protect your family
  • Easy and convenient
  • Free to use
  • Always at your service

Want to talk to a specialist? Call 1300 743 254

How to compare life insurance quotes with ComparingExpert

Complete the online comparison quote form by answering a few questions: Your level of cover, age, gender, smoking status and state you live in. After that, you’ll be directed to our comparison tool where you can add more policy options and adjust your requirement, for example, your choice of premium and how you’d like to make payments. You can now compare premiums and features online and side-by-side.

Generate real-time life quotes from multiple insurance providers

Fill in the quote form and submit your information

Tailor your quote to suit your specific requirements

Personalize your cover requirements

Review pricing and features from up to 11 major life insurance companies

Review Premiums
Review features and benefits

Apply for the policy you feel best suits your requirements and book an application. An insurance specialist will contact you to help you complete the application form.

Apply for a policy

Frequently asked questions

  • Do online life insurance quotes reflect actual price?

    It depends on the comparison website you choose. ComparingExpert’s quote tool is continually updated to reflects real-time life insurance pricing.
  • Is it safe to buy life insurance online?

    Buying term life insurance policies online in Australia is generally safe. However, after you’ve selected a quote, it’s best to speak with a specialist that can provide clarity on all the features and potential riders you’re opting for.
  • Is it safer to buy life insurance online compared to offline?

    It’s all about personal preference. The quickest and easiest way to compare life insurance quotes and buy a policy is online. However, many people still prefer a face-to-face consultation with a financial adviser. There is no right or wrong way to purchase life insurance. Just make sure the source is trustworthy by confirming their authorisation and licensing.
  • Where could I find a term life insurance rate chart/table?

    You can either request a rate chart directly from the company; however, you’ll then only be able to review the policies they offer, or you can use an online life insurance comparison website and request quotes based on your specifics.

Life Insurance Quotes

  • Protect your family
  • Easy and convenient
  • Free to use
  • Always at your service

Want to talk to a specialist? Call 1300 743 254

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