Life Insurance
Protects your family’s financial future when things get heavy.
Protect the heavy stuff with a new Insuranceline policy and get a $100 eGift card. T&Cs apply.
Protects your family’s financial future when things get heavy.
Protect the heavy stuff with a new Insuranceline policy and get a $100 eGift card. T&Cs apply.
When things get heavy, Life Insurance protects your family’s financial future. With a payment of up to $1.5 million in the event of your passing, they’re covered for those curly costs like household bills and living expenses while they get back on their feet.
Tax-free payout
Up to $1.5 million lump sum payment for your family.
Advance payout
Up to $10,000 on approved claims to help with immediate costs.
Discounts
10-15% discounts on your premium if you’re covered for more than $200K.
Add another adult to your policy and the youngest will receive a 5% family discount. The family discount doesn’t apply to the Optional Illness Cover.
If you choose to pay your premiums annually, you'll receive 12 months’ cover for the price of 11.
Straightforward claims process
Experienced claims managers to help your family when they need it most.
Affordable cover
For as little as $6.59 for females or $9.44 for males per week (based on a 30 year old non-smoker on standard rates with $500,000 cover when paying annually—total annual premium for females $337.59; total annual premium for males $491.04). Premium is subject to underwriting.
Lower rates
For non-smokers for new applications.
Comprehensive up-front quote
Know what and how much you’re covered for up-front.
See the Combined PDS & FSG for full details of exclusions.
Life Cover
Suicide and intentional self-injury are not covered during the first 13 months of your policy. If any other exclusions are to apply, we will discuss them with you first.
Optional Severity Based Illness Cover
The Optional Severity Based Illness Cover benefit is not payable in any of the following circumstances:
Depending on how long you live, you might hold Life Insurance for a long time. It is important to consider the long-term affordability of the policy, based not only on your current income, but also the income you are likely to have in the future.
Major Illness Cover
Helps protect you from temporary setback due to life threatening sickness such as a cancer or heart attack of specified severity, a stroke that results in neurological deficit, or certain kinds of serious injuries. See the Combined Product Disclosure Statement (PDS) & Financial Services Guide (FSG) for details on conditions covered and exclusions.
Cancer Cover
Helps protect you from temporary setback due to life threatening cancer. Cancer Cover can help make sure you and your family are taken care of financially, leaving you to focus on your recovery. See the Combined PDS & FSG for details on conditions covered and exclusions.
Decide how much cover you need. See our FAQs below for some things to consider when working out the amount you need, or try our Life Insurance Calculator
Get an online quick quote by answering some simple health and lifestyle questions.
Answer some additional questions about your health and lifestyle and view your final quote.
Once you’re happy with your quote, you can pay online and get your policy straight away.
Life Insurance is a way for you to provide for your loved ones, should you die in an accident or from an illness. It protects the people who depend on you to look after them. If your family relies on your contributions to their lifestyle, such as by your income or the care you provide, Life Insurance can help make sure your family’s home and lifestyle are secure if something were to happen to you.
It's very important to give us all the information we request when you apply for Life Insurance, and to answer all our questions honestly and completely. If there’s a claim, we’ll need to check your medical records—and if it turns out you didn’t tell us something important, we may have to refuse the claim.
The amount of insurance you need will depend on your individual circumstances, and this means it will be different for everybody. With Life Insurance, you should consider things like what debts you’d like to pay off and how much you’d like to leave your family to meet their future financial needs. Here are some questions to consider when working out the amount you may need:
No. Premiums for Life Insurance are not tax deductible.
With Life Insurance, your family will have some financial protection if something happens to you and you’re no longer around. The payout from your policy could help cover the mortgage or rent, put food on the table, and help with the medical and educational needs of your children. It could pay for the car, holidays, birthday presents, swimming lessons and outings—all the things you work so hard to give your family.
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There when you need us most
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Explore our Life Insurance articles to understand how we can support you through life’s toughest moments.
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Any financial product advice is general in nature only and does not take into account any person’s objectives, financial situation or needs. Before acting on it, the appropriateness of the advice for any person should be considered, having regard to those factors. Persons deciding whether to acquire or continue to hold life insurance issued by Insuranceline should consider the relevant Product Disclosure Statement (PDS). The Target Market Determination (TMD) for the product (where applicable) is also available.
Promoted by Insuranceline, a trading name of TAL Direct Pty Limited (of Level 16, 363 George Street, Sydney NSW 2000) ABN 39 084 666 017 AFSL 243260. TAL Life Limited ABN 70 050 109 450 AFSL 237848 issues the life insurance benefits. Hallmark General Insurance Company Ltd ABN 82 008 477 647 AFSL 243478 issues the Involuntary Unemployment Cover.
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