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What to Expect When Applying for Life Insurance in Australia

Buying life insurance for the first time or after a significant life event, for example, getting married or buying a house, can be confusing, especially when you have a pre-existing medical condition.
Fact Checked

Updated: 19 May 2024

There are generally about 6 steps you need to follow when applying for life insurance, including the underwriting process, which is when a life insurance company evaluates the risk of providing you with coverage.

In this article, we’ll guide you on what you can expect when applying for life insurance, how the underwriting process works and the value of a pre-assessment when you have a pre-existing condition.

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6 Steps to applying for life insurance

In general, the life insurance application process looks something like this: