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How we work

We provide information to help you compare, choose and apply for insurance online and over the phone. Choosi isn’t an insurer. We work with a range of popular insurance brands, so we can make their policies available to you.

Our experienced staff (we like to call them our ‘Team of Choosers’) get a kick out of helping people, and we hold the necessary Australian Financial Services Licence to simplify the process and let you buy insurance in just a few minutes from reputable Australian insurers.

We’re paid a commission for products bought through Choosi. Our commission DOESN’T affect the premium you pay for products issued through Choosi, meaning you pay the same price through Choosi as you would if you went direct to the insurer.

For more information on how we’re paid, please read our Financial Services Guide.

How we can help you

Choosing insurance can be complicated, confusing, and time-consuming. Calling multiple insurers, visiting multiple websites, comparing quotes, filling out endless forms — who has the time for all that? Even if you were to make all effort, it’s still hard to know what you’re getting and whether it’s actually what you even need!

At Choosi, we’ve made it our mission to help make choosing and applying for insurance clear, simple, and convenient. Our free comparison service lets you compare the benefits and prices from a range of popular and trusted insurance brands, so you can confidently choose cover that suits your needs, budget, and lifestyle.

Our comparison service can take the hassle out of comparing insurance yourself, save you time and effort, and help you protect what matters in your life!

Choosi Price Guarantee

Image showing price guarantee logo

Buy any life, income protection, funeral or pet insurance policy through Choosi and, if you find a cheaper price on the same policy within 30 days of purchase, we’ll refund you the difference in premium for the first year and send you a $100 gift card!

Terms and conditions apply.

Frequently Asked Questions (Frequently Asked Questions)

Do my policy premiums go up if I make a claim?

For life, income protection, funeral and pet insurance, your premiums don’t go up as a result of making a claim for products available directly through Choosi. Check the Product Disclosure Statement or Policy Document of the policy you’re interested in for more information about premium pricing.

Am I covered if I have a history of mental illness including depression, Generalised Anxiety Disorder or Bipolar Type 2?

You’ll need to declare this when applying for life insurance, and you’ll then need to undergo the underwriting process which will assess whether or not you can be insured.

Am I locked into the policy I choose?

You can cancel your policy at any time. Each policy has a cooling off period (typically 30 days if you bought through Choosi) and if you cancel your policy within the cooling off period, you’ll be refunded the premiums you’ve paid in full unless a claim has been made. If you cancel cover after the cooling off period, generally there’s no refund of premiums.

Can I still get insurance if I’m a diabetic?

You’ll need to declare this when applying for life insurance, and you’ll then need to undergo the underwriting process which will assess whether or not you can be insured.

Can I pay for my insurance through my self-managed super fund?

This option is available with Real Life Cover for SMSF. To make payments, the fund must be the legal owner of the policy – which means the fund also owns any benefit that is paid. Premium payments are taken from the balance of the fund, instead of your post-tax income.

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