Free and Easy to Compare Life Insurance Quotes Online From up to 14 Insurers

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Life Insurance. Decoded.

Comparing life insurance providers is on the list of must-do's for anyone thinking of taking out life insurance, especially those who have a mortgage and dependents. Even people who are young and fresh into their career may want to consider getting a life insurance policy if they want to start a family in the future. Having life insurance makes sure that a person’s dependents get compensated should anything undesirable happen. There are so many providers and policies, it's important that you make an informed decision. There can be many reasons for taking the insurance out, and having insurance is always a good thing regardless of intentions. Having a financial buffer for any children, family, or other dependents can ensure a pleasant and comfortable future for them. Given that life insurance is a long term commitment, it Makes Cents to compare life insurance quotes online and life insurers side by side.
Life Insurance. Decoded.

4 important questions to ask when comparing life insurance quotes online

For whatever purpose life insurance will be taken out, careful consideration must be taken, which is why its great to compare life insurance quote online all in one easy place. Here are 4 important questions to ask and compare before taking out life insurance. Remember this is a guide only and should not be considered advice, please consult with a licensed financial adviser.

The two main types of insurance are term insurance, which applies for a set amount of years, and whole life insurance which is permanent. For term life insurance, outliving the years in the policy gives you back the money for the premium that you pay. Whole life insurance, on the other hand, has got you protected for your entire life.
Some of the most common reasons for taking out life insurance include expenses for funeral services and using the money to pay off debts or a mortgage. Solely taking life insurance for funeral costs may be a bit wasteful in some cases, but may be a helpful addition to the policy in the long run. Regarding debts, one must first make sure whether potential deficits are transferable to dependents. Once you have analysed what debts can potentially be of concern, then the appropriate decisions level of cover you require can be calculated. Again, this is best to be calculated with the guidance of a financial adviser.
Most people would say that the best time to take out life insurance is as early as possible. However, the cost of paying this, in the long run, must also be considered. Instead, other people opt to subscribe to life insurance after they have started working and accumulating assets and debt related to these assets. Consider the cover to be paid, as well as the value that will be obtained from the life insurance cover. Remember that older people have higher chances of developing illnesses, which can also be one of the reasons they may get declined or their premiums may cost more. Finding a balance on when to get life insurance is the best way. Make sure you consult with a licensed financial adviser to find out more. One easy way is to also see what's available online and compare life insurance quotes online on the MakesCents.com.au site.
As stated earlier, if you have any dependents, then most would suggest yes. However this is best to be discussed with a licensed financial adviser to perhaps get a statement of advice. Having life insurance coverage makes sure that your family gets an adequate amount of money in case of an untimely death. 'Adequate' meaning that you do not leave your family or dependents with any crippling debt or financial inability to continue their lives. Future plans of having a family may also warrant enough reason to seriously consider life insurance. The information provided here is not financial advice and is general only and does not consider your personal objectives, financial situation or needs. Before you decide to purchase a product, it is important to consult a licensed financial adviser and read the relevant PDS of the insurer you choose to go with.
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It MAKES CENTS to compare life insurance quotes online from up to 14 life insurers.

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COMPANY2 MAX
COVER
MAX ENTRY
RATE
MIN SUM COOLING
OFF
EXPIRY
AGE
FUNERAL
BENEFIT
TERMINAL ILLNESS
BENEFIT
BONUS

   3.1

(4 Reviews)

MakesCents Consumer Star Rating

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2,000,000 74 100,000 30 99 Advance payment of 10% of benefit amount up to $25,000 Full Lump Sum
  • Apply Online or over the phone
  • Straight forward claims process
  • Family Discounts
  • Financial Hardship Support
  • Industry Award Winner

GO TO SITE

   4

(1 Reviews)

MakesCents Consumer Star Rating

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1,000,000 65 100,000 30 75 Advance payment of $15,000 Full Lump Sum
  • Quick and Easy to Apply Online
  • No Medical Assessments or Blood Test Required
  • Partner Discounts
  • Available to Australian and New Zealand Citizens

GO TO SITE

   3.7

(3 Reviews)

MakesCents Consumer Star Rating

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D+A5:H5 edicated Claims Assessor 70 25,000 14 100 Advance payment of $20,000 Full Lump Sum
  • Dedicated Claims Assessor
  • Multi-Policy Discount

GO TO SITE

   3.5

(2 Reviews)

MakesCents Consumer Star Rating

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No Max 73 50,000 30 130 Advance payment of $30,000 Full Lump Sum
  • 2019 Insurer of the Year
  • Multi-Award Winner

GO TO SITE

   2

(2 Reviews)

MakesCents Consumer Star Rating

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No Max 75 50,000 30 135 Advance payment of $25,000 Full Lump Sum
  • Personalised Experience
  • Apply Over the Phone

GO TO SITE

   3

(2 Reviews)

MakesCents Consumer Star Rating

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5,000,000 75 50,000 30 99 Advance payment of $25,000 Full Lump Sum
  • Connecting you to a Local Financial Advisor
  • Apply Over the Phone

GO TO SITE

   3.7

(3 Reviews)

MakesCents Consumer Star Rating

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No Max 75 50,000 30 99 Advance payment of $25,000 Full Lump Sum
  • Guarenteed Renewable
  • Apply Over the Phone
  • Worldwide Cover

GO TO SITE

   4.5

(2 Reviews)

MakesCents Consumer Star Rating

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No Max 73 Min Premium 300/year 28 100 Advance payment of 10% of benefit amount up to $25,000 Full Lump Sum
  • Rewards Program
  • Premium Freeaze
  • Complimentary Family Final Expenses
  • Guarenteed Future Insurability

GO TO SITE

No Max 75 Min Premium 250/year 30 100 Advance payment of $20,000 Full Lump Sum
  • Cover Amount Flexibility
  • World Wide Cove
  • Free Additional Child Cover
  • Healthy Life Options

GO TO SITE

   3

(3 Reviews)

MakesCents Consumer Star Rating

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5,000,000 69 25,000 28 99 Advance payment of $25,000 Full Lump Sum
  • Save 25% on First Years Premiums
  • Award Winning Underwriting
  • Multi-Policy Discount
  • 6 Month Premium Hardship 'Holiday'
  • Loyalty Benefits

GO TO SITE

   2

(1 Reviews)

MakesCents Consumer Star Rating

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15,000,000 65 50,000 28 99 Advance payment of $20,000 Full Lump Sum
  • Flexible Protection
  • Apply Over the Phone

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   3

(2 Reviews)

MakesCents Consumer Star Rating

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5,000,000 80 (Over 60 is only in 2 year blocks of cover) 50,000 28 75 Advance payment of $25,000 Full Lump Sum
  • Increasing Cover without Medicals
  • Qantas Points
  • Choice of Lump Sum or Installments Payout

GO TO SITE

   0

(0 Reviews)

MakesCents Consumer Star Rating

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1,500,000 65 100,000 30 99 Advance payment of $15,000 Full Lump Sum
  • Get a Quote and Buy Online
  • Canstar 5- Star Rating for Value
  • Guarenteed Policy Renewal

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   4.5

(2 Reviews)

MakesCents Consumer Star Rating

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$15,000,000 69 $50,000 30 99 $15,000 100% of the Life cover amount up to a maximum of $3,000,000
  • Australia’s Most Awarded Direct Life Insurer of 2020
  • Save on average 20%
  • Claims Processed within 5 business days on average

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   0

(0 Reviews)

MakesCents Consumer Star Rating

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$1,000,000 65 $100,000 30 No expiry age as long as premiums are paid $10,000 $1,000,000
  • Apply over the phone
  • Choose your own level of cover
  • No medicals or blood tests required
  • Optional covers for increased protection
  • Optional covers for increased protection

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   0

(0 Reviews)

MakesCents Consumer Star Rating

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$1,500,000 64 $100,000 30 No expiry age as long as premiums are paid $15,000 $1,500,000
  • Apply over the phone
  • 30 day money back guarantee
  • Wordwide cover 24/7
  • No medical exams

GO TO SITE

   0

(0 Reviews)

MakesCents Consumer Star Rating

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$1,500,000 69 $50,000 16 99 $15,000 $1,500,000
  • Apply online
  • First month's premium waived
  • Wordwide cover 24/7
  • 10% Multi-life discount

GO TO SITE

   0

(0 Reviews)

MakesCents Consumer Star Rating

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$1,500,000 65 $50,000 19 No expiry age as long as premiums are paid $15,000 $1,500,000
  • Apply over the phone or online
  • Fast approval
  • 10% Member discount
  • Guaranteed Renewal

GO TO SITE

   0

(0 Reviews)

MakesCents Consumer Star Rating

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GO TO SITE

Customer Reviews

TAL Life Insurance Reviews

Overall Rating

   3.1

(4 Reviews)
  • 5
    1
  • 4
    0
  • 3
    2
  • 2
    1
  • 1
    0
Buffy Stitely
21/03/2021

   3

High Coverage
″Policy coverage is big and claims are bigger. Service is superb and the renewal of the plan can be done by online portal.″

Deane Haag
21/03/2021

   2

Easy options
″There are a lot of better options there. not saying tal is bad but lot of good optons out there″

Anglea Andrion
21/03/2021

   3

Good products
″they have good products and a range of products to choose from unlike other companies″

CommInsure Life Insurance Reviews

Overall Rating

   4

(1 Reviews)
  • 5
    0
  • 4
    1
  • 3
    0
  • 2
    0
  • 1
    0
Eduaren
22/02/2021

   4

Easy to deal with
″This bank is easy to deal with and gives options″

MLC Life Insurance Reviews

Overall Rating

   3.7

(3 Reviews)
  • 5
    1
  • 4
    1
  • 3
    0
  • 2
    1
  • 1
    0
Christiane Osmanski
21/03/2021

   2

Not bad
″I have been a customer and i think they are not bad.″

Javier Osmer
21/03/2021

   5

Worth Buying
″Its worth buying this″

Dean Vollstedt
21/03/2021

   4

Query resolved
″My concern related to my hard copy was resolved. I didn’t get the hard copy for my insurance plan. So, I consulted them and my concern was resolved. Thanks team.″

MetLife Life Insurance Reviews

Overall Rating

   3.5

(2 Reviews)
  • 5
    0
  • 4
    1
  • 3
    1
  • 2
    0
  • 1
    0
Annamae Lothridge
21/03/2021

   4

Claims Are Good
″The policy is very nice which has low premiums. Policy coverage is high and claims are the best. Claiming is easy because of fast service facilitate by the staff of the insurers″

Latricia Schmoyer
20/03/2021

   3

right up there
″I would place met life right up there which few of the great insurance companies we have in the country,″

Integrity Life Insurance Reviews

Overall Rating

   2

(2 Reviews)
  • 5
    0
  • 4
    0
  • 3
    1
  • 2
    0
  • 1
    1
German Dones
21/03/2021

   1

Not HAPPY
″Worst exerience ever, extremely unhappy″

Edelmira Pedregon
21/03/2021

   3

Completed my insurance needs
″Happy with them, have all my needs taken care of″

NEOS Life Insurance Reviews

Overall Rating

   3

(2 Reviews)
  • 5
    0
  • 4
    0
  • 3
    2
  • 2
    0
  • 1
    0
Vanesa Glockner
21/03/2021

   3

Super Policy
″good insurers in the market. I bought insurance plan from them. Service is good and documentation become easy to us.″

Novella Fritch
21/03/2021

   3

Future Savings
″My friend shown me his insurance plan, after seeing the terms and conditions. I purchased from them as it has maximum benefits. Policy coverage is good, claims are high. Service given by the company is fantastic and on time.″

ClearView Life Insurance Reviews

Overall Rating

   3.7

(3 Reviews)
  • 5
    1
  • 4
    1
  • 3
    0
  • 2
    1
  • 1
    0
Tien Kinney
21/03/2021

   2

expensive
″i found them to be very expensive, its really pricey″

Henriette Gish
21/03/2021

   4

Fantastic Insurance Plan
″The policy coverage is high at 90% and the claims are even better. The procedure of claiming is easy due fast service provided by the company members.″

Sharan Wodicka
21/03/2021

   5

Fantastic Policy
″Colleague of mine suggested me to buy from clearview The policy coverage is high and claim is even much higher. Company facilitate fabulous service given by the team members and executives.″

AIA Life Insurance Reviews

Overall Rating

   4.5

(2 Reviews)
  • 5
    1
  • 4
    1
  • 3
    0
  • 2
    0
  • 1
    0
Gennie Pastorino
21/03/2021

   5

Easy options
″I recently visited their website for searching some good plans related to life insurance. I got my eye on their insurance policy. It is one of the most affordable plans and seems to be beneficial to me and my family. Thanks team.″

Andrew Keks
21/03/2021

   4

Great plans
″These guys have the best insurance plans in the country, really like all their products″

AsteronLifeAIA Life Insurance Reviews

Overall Rating

   3

(2 Reviews)
  • 5
    0
  • 4
    0
  • 3
    2
  • 2
    0
  • 1
    0
Malcom Leja
21/03/2021

   3

Nice Policy
″The insurance policy i have is very good with great benefits. Policy coverage is high and claiming is very easy″

Rossana Biler
21/03/2021

   3

Prompt service
″I always do business with companies which gives prompt services as thats the most important thing for me. Asteron does that.″

BT Life Insurance Reviews

Overall Rating

   3

(3 Reviews)
  • 5
    0
  • 4
    0
  • 3
    3
  • 2
    0
  • 1
    0
Page Entzi
21/03/2021

   3

Retirement plan
″My future is secure with BT's insurance plans. feels good″

Claudia Gawrych
21/03/2021

   3

Future Savings
″You can save a lot of money as there plans are cheaper and you can easily save ton of money over the tenure of the policy″

Robt Blanck
21/03/2021

   3

so far so good
″I took a policy almost 5 years ago and have no complaints.″

AMP Life Insurance Reviews

Overall Rating

   2

(1 Reviews)
  • 5
    0
  • 4
    0
  • 3
    0
  • 2
    1
  • 1
    0
Kizzy Stangle
21/03/2021

   2

Ok
″I think amp is ok, not good or great but not bad either. thats why ok″

ONE PATH Life Insurance Reviews

Overall Rating

   3

(2 Reviews)
  • 5
    0
  • 4
    0
  • 3
    2
  • 2
    0
  • 1
    0
Tamra Kenfield
21/03/2021

   3

customer service is good
″Their products are ok but what i like is their customer service.″

Miesha Decelles
21/03/2021

   3

Good
″The process of buying and enrolling into a plan is very smooth and hassle-free. I was surprised to find out that the enrolment process was done while video recording the whole process to maintain the quality provided by the company.″

Allianz Life Insurance Reviews

Overall Rating

   0

(0 Reviews)
  • 5
    0
  • 4
    0
  • 3
    0
  • 2
    0
  • 1
    0
NobleOak Life Insurance Reviews

Overall Rating

   4.5

(2 Reviews)
  • 5
    1
  • 4
    1
  • 3
    0
  • 2
    0
  • 1
    0
Jo Andrews
25/02/2021

   5

Great Service and Value
″Fantastic Service and Value″

Chandani Panditharatne
22/02/2021

   4

Good insurance company
″Fast responses when obtaining the policy.″

Real Life Insurance Reviews

Overall Rating

   0

(0 Reviews)
  • 5
    0
  • 4
    0
  • 3
    0
  • 2
    0
  • 1
    0
Guardian Life Insurance Reviews

Overall Rating

   0

(0 Reviews)
  • 5
    0
  • 4
    0
  • 3
    0
  • 2
    0
  • 1
    0
Zurich Life Insurance Reviews

Overall Rating

   0

(0 Reviews)
  • 5
    0
  • 4
    0
  • 3
    0
  • 2
    0
  • 1
    0
Medibank Life Insurance Reviews

Overall Rating

   0

(0 Reviews)
  • 5
    0
  • 4
    0
  • 3
    0
  • 2
    0
  • 1
    0
Let’s Life Insurance Reviews

Overall Rating

   0

(0 Reviews)
  • 5
    0
  • 4
    0
  • 3
    0
  • 2
    0
  • 1
    0