About Life Insurance

About Life Insurance

Life insurance could be the most unselfish investment you will ever make.

Most Australians insure their homes and their cars but what about ourselves? 

Many say that you never personally benefit from life insurance, though we disagree. When you have life insurance every day you have comfort in the knowledge that when you do pass away your family will be looked after - which is good for your peace of mind.

When you pass away, life insurance provides a lump sum payout to your beneficiaries.

You can add other types of insurance to your life insurance - like total and permanent disability insurance that pays out a benefit early if you are totally and permanently disabled or serious illness insurance that pays when you have one of the specified serious illnesses. You can even have cover for your children. These insurances will be covered further in future articles.

The advantages of bundling these insurances together with your life insurance include - having only one premium to pay - and insuring them all with the same insurer you will generally receive a discount or other advantages  - just like you may receive benefits for insuring your house and car with the same insurer.

How can Life Insurance Cover protect my family's lifestyle?

Would your family be able to financially support itself if you were no longer around to provide for them?  The average Australian family has many regular expenses to pay like rent, the mortgage, school fees, credit card bills, groceries etc. 

If the worst should happen and you are no longer around to financially support your family, life insurance can protect your family financial security and lifestyle.   Also many families only insure the life of the main income earner, but it is worth considering the financial impacts of losing either parent. When someone passes away there is a lot of regret and emotion. There are also a lot of unpaid bills. By insuring both parents, your family can be financially secure when the unexpected occurs.

Choosi helps you to compare, choose and apply for life insurance and you can access up to 15 brands of life insurance.

Need Help Choosing? Call 1300 884 384

8am to 8pm (EST), Mon to Fri.

Our team will be happy to help.


These articles are provided as reference material to allow more informed decision making, but are not intended as being a complete source of information on any topic.  All readers should make their own independent analysis on the topic to make sure they have considered the aspects that are important to them.

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Choosi Pty Ltd (ABN 15 147 630 886) offers insurance products from a range of Australian brands. Choosi does not provide information, or offer cover, for all products available in the market and there may be aspects to some products that we do not compare. Choosi is not an insurer and cover is issued by various underwriters. Your use of this website is undertaken in accordance with the full Terms and Conditions.

Choosi is owned by Hollard Financial Services Pty Ltd (ABN 53 128 692 884), the distributor of each pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance policy Choosi is able to arrange directly for the following brands: ACE Insurance Limited, Australian Seniors Insurance Agency, Guardian Insurance, Prime Pet Insurance, Real Insurance, RSPCA Pet Insurance and Woolworths Insurance. Choosi is also a related company of The Hollard Insurance Company Pty Ltd (ABN 78 090 584 473 AFSL 241436), the issuer of each pet insurance product Choosi is able to arrange directly. Information on this website does not take into account your personal objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement (PDS) for more information and to ensure the product suits your needs. The PDS for each of the pet insurance, life insurance, income protection insurance, funeral insurance and final expenses insurance products sold through Choosi and our advisor partner are available through this website. Health Insurance products are not required to have a PDS, but this website has a Fact Sheet for each Health Insurance product Choosi is able to arrange.


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