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Get Life Insurance that fit’s for your lifestyle and budget. No two people are the same. We help you compare life insurance online to give you peace of mind without breaking your budget.

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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

   3.8

(17 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

(46 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

   3.8

(16 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

   3.7

(7 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

   2.3

(3 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

   4.2

(9 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

   4.7

(10 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

   3.6

(7 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

   2.3

(6 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

GO TO SITE

   3.7

(5 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

   4

(16 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

GO TO SITE

   4.2

(3 Reviews)

MakesCents Consumer Star Rating

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$15,000,000 69 $50,000 30 99 $15,000 100% of your Life cover amount
  • Australia's Most Awarded Direct Life Insurer of 2020
  • Claims Processed within 5 business days on average

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   4.3

(38 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

GO TO SITE

   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

   4.4

(19 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

   2

(1 Reviews)

MakesCents Consumer Star Rating

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GO TO SITE

Customer Reviews

TAL Life Insurance Reviews

Overall Rating

   3.8

(17 Reviews)
  • 5
    7
  • 4
    4
  • 3
    4
  • 2
    1
  • 1
    1
Calarnee
05/10/2021

   4.5

Best ever
″The best insurance ever″

Dora caita mandra
03/08/2021

   4.5

Com bank
″For the last 25 years″

Laila
28/06/2021

   4

Loved it
″Great saved heaps of money″

CommInsure Life Insurance Reviews

Overall Rating

   4.1

(46 Reviews)
  • 5
    23
  • 4
    14
  • 3
    6
  • 2
    2
  • 1
    1
Rachel
11/10/2021

   3

Great
″These guys re great, happy″

Kaitlyn Pirie
11/10/2021

   4

Great insurance !!
″This company is great, they are always very helpful and their insurance has great benefits″

Link Enjo
11/10/2021

   4

Best Life Insurance Ever!!
″This bank is the best bank to work with All Round, especially life insurance!! It's a reliable source with rocketing interest rates that will make you wanna get into an accident, dont try this at home″

MLC Life Insurance Reviews

Overall Rating

   3.8

(16 Reviews)
  • 5
    9
  • 4
    3
  • 3
    1
  • 2
    2
  • 1
    1
Bret
11/10/2021

   2.5

Good bank
″I also have my super with MLC and they are very helpful and always call once a month to hi odagd my details″

Samantha
11/10/2021

   5

Best superfund ever
″I have been using mlc for my super for a few years l. They are really good their customer service is amazing .″

Troy Perry
11/10/2021

   4.5

Good
″Good″

MetLife Life Insurance Reviews

Overall Rating

   3.7

(7 Reviews)
  • 5
    2
  • 4
    2
  • 3
    3
  • 2
    0
  • 1
    0
Ocean
11/10/2021

   5

MetLife
″Has great service love them thanks″

Natasha Bland
09/10/2021

   2.5

Life insurance
″Very good Insurance″

Taylah Ralph
08/10/2021

   5

Fabulous life insurance
″Amazing life insurance with great customer service, 10/10 would recommend to anyone looking for fabulous support while sorting out you life insurance″

Integrity Life Insurance Reviews

Overall Rating

   2.3

(3 Reviews)
  • 5
    0
  • 4
    0
  • 3
    2
  • 2
    0
  • 1
    1
Angel
28/06/2021

   3

Great
″Great life insurance″

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

   4.2

(9 Reviews)
  • 5
    6
  • 4
    1
  • 3
    1
  • 2
    1
  • 1
    0
Shandi Bronstring
10/10/2021

   5

Idk
″Idk″

Jess
09/10/2021

   2.5

Hoops
″A lot of hoops to jump through″

Taya
09/10/2021

   5

Best insurance company
″Best insurance company ever″

AIA Life Insurance Reviews

Overall Rating

   4.7

(10 Reviews)
  • 5
    7
  • 4
    3
  • 3
    0
  • 2
    0
  • 1
    0
Trysta
11/10/2021

   5

Great Life insurance
″Really happy with my life insurance″

Trysta Ward
11/10/2021

   5

Super Happy
″Really Happy with my life insured policy.″

Kayla Robertson
09/10/2021

   5

THE BEST
″Ive been looking into which life insurce would be the best for not only me but everyone in my family. I was looking for an insurance to take care of me whilst giving me the best deal. Im so glad to have found AIA life insurance, they are efficient, kind and manage to save me more than 3 previous insurances uve looked into. Very impressed″

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

   3.6

(7 Reviews)
  • 5
    1
  • 4
    3
  • 3
    3
  • 2
    0
  • 1
    0
Mina
10/10/2021

   3.5

Good bank
″Many of my friends are using BT, have heard great things and will give it a try″

Gary
09/10/2021

   5

Best insurance I've had
″This is the best value for dollar insurance″

Emma
30/09/2021

   4

Great insurance prices
″Best choice I made″

AMP Life Insurance Reviews

Overall Rating

   2.3

(6 Reviews)
  • 5
    0
  • 4
    2
  • 3
    0
  • 2
    3
  • 1
    1
Kik
08/10/2021

   2

Really good
″Great″

Jamie Lewis
08/10/2021

   2

Okay
″The services are okay. Wouldn’t say great or bad.″

Samantha Lihou
03/10/2021

   4

Upfront
″Policies are clear and upfront, easily written so that everyone can understand. I feel there should be clarification on the inflation of 5%, making it clear whether my payments have to inflate along with this as well or not. Good policy on terminal illness lump sum payment, though would want to target younger audiences so that no one gets caught out on the payment exclusions (due to prior illness etc.) I would add a time line to the $15 000 funeral statement so that it is easy to tell how soon families would get the money to assist with funeral fees, as this could be a huge stepping block for potential clients.″

ONE PATH Life Insurance Reviews

Overall Rating

   3.7

(5 Reviews)
  • 5
    2
  • 4
    0
  • 3
    3
  • 2
    0
  • 1
    0
Jade Mitchell
11/10/2021

   3

Best customer service
″Love the customer service team !! Great to talk to, Easy application, 10/10 recommend″

joan
08/10/2021

   5

Best insurance life ever
″Best insurance i've ever signed up with″

Lateesha Naysmith
07/10/2021

   4.5

Na
″Na″

Allianz Life Insurance Reviews

Overall Rating

   4

(16 Reviews)
  • 5
    7
  • 4
    7
  • 3
    1
  • 2
    0
  • 1
    1
Peeramas Chatchavalwong
10/10/2021

   3.5

Great life insurance company
″I am an oversea student and I found this insurance company very useful with everything’s related to health. Also, easy to claim.″

Shandi Bronstring
10/10/2021

   5

Best life insurance ever
″This is such a great life insurance the psople are amazing and so helpful″

Kahlani Elers
09/10/2021

   4.5

Life
″Helpful and clear on what they provide and don’t show any confusion :)″

NobleOak Life Insurance Reviews

Overall Rating

   4.2

(3 Reviews)
  • 5
    1
  • 4
    2
  • 3
    0
  • 2
    0
  • 1
    0
Jannifer Navaratne
11/10/2021

   3.5

Great life insurance
″This company gave great insurance for life″

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

   4.3

(38 Reviews)
  • 5
    22
  • 4
    12
  • 3
    2
  • 2
    1
  • 1
    1
Stevie Birks
11/10/2021

   4

Best life insurance
″I have heard many positive reviews from Real Insurance customers.″

Grace Tobler
11/10/2021

   5

Best and honest life insurance
″Best life insurance and honest will make you aware of there teams″

Sharna
11/10/2021

   2.5

Best
″Has helped me alot.″

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

   4.4

(19 Reviews)
  • 5
    10
  • 4
    8
  • 3
    1
  • 2
    0
  • 1
    0
Priyanka Bohara Pant
11/10/2021

   5

Best service
″Medibank has never disappointed me whenever I have been to the office the customer service was very nice and they listen to our problems and try there best to help us.″

Katie O'Doherty
11/10/2021

   4

Overall very happy
″Quick payouts, happy to help where possible. We’re supportive when I had financial hardship″

Chiqui
11/10/2021

   5

Best one i had
″No hassle in applying. Great service too″

Let’s Life Insurance Reviews

Overall Rating

   2

(1 Reviews)
  • 5
    0
  • 4
    0
  • 3
    0
  • 2
    1
  • 1
    0
Houda Haouchar
04/10/2021

   2

not bad
″its not the best but not the worst″