Life Insurance

Life insurance provides financial security for your family in the event of your death or if you are diagnosed with a terminal illness. Life Insurance is paid in a lump sum and could be worth up to $1 million or more depending on your policy. Don’t leave your family's future to chance.

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Life insurance for every life stage

Whatever stage you are at in your life, we all have one thing in common: we can’t predict what is around the corner.
The following life stage guides provide general information on how Life Insurance could apply to you at any stage of life.

Young & single

You are young, single, carefree and healthy. You have a long and exciting future ahead of you.

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Young couples

You have marriage, joint assets and kids on the horizon for you and your partner.

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Young families

You have children to provide for or you are making plans to start a family.

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Maturing families

You have worked hard to get to this point in your life. The kids are getting older and the mortgage is going down.

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Empty nesters

You are active, well advanced on the mortgage, and making plans for a comfortable retirement.

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Learn more about life insurance

Choosing insurance can be complicated and confusing. These clear, simple articles provide general information aiming to help you understand more about life insurance, how it works, the benefits it provides and why you should be considering it.

    Why you should consider life insurance

    How would your family cope if you were no longer there to support them? Could they afford the mortgage, school fees, car loan repayments and still be able to put food on the table? Find out how life insurance can fit into your family's financial future.

    Everything you need to know

    What is life insurance? How and when can it help your family? What is the right cover and what extra cover options are available? Choosing life insurance is about determining the level of cover you need and selecting an affordable policy that is right for you.

    Features & optional benefits

    Life Insurance makes it possible for you to look after your family with a lump sum payment of up to $1.5 million that Choosi can arrange direct in the event of your death or terminal illness diagnosis. A range of optional extra cover can also be taken out with some life policies for increased family security. 

    Calculating life insurance

    It’s important to sit down and do your sums. A review of your family’s current financial situation and how that might change in the future can help you determine the level of cover that is right for you and your family.

Frequently asked questions

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The main benefit to having life insurance is that should the worst happen, and you were no longer around to provide for your family, it can help provide them with a measure of financial security. The lump sum payment can be used to help them meet their financial commitments, like the mortgage or rent, education costs for your children and everyday living expenses.
Life insurance provides your chosen beneficiary with a one off financial payment should something happen to you. When applying for life insurance you will need to nominate an amount that you wish to be covered for. Joint policies are available to insure your partner as well.
For the policies that can be arranged directly through Choosi you will be able to apply for a policy, as long as you are aged between 18 and 64 and are an Australian Citizen or permanent resident living in Australia. You will usually need to answer a few health and lifestyle questions and your eligibility to take out insurance will be determined by these answers. If you are adding your partner to your policy they will also need to meet these criteria. Some insurers may require more information before making a decision on whether you will be eligible to take out life insurance.
The level of cover you can get will depend on your age and also the insurer that you select to purchase your policy from. As a guide, the minimum cover that you can apply for through our direct insurers is generally $100,000.
This will be dependent on you and your personal circumstances. For people with dependents and financial commitments such as a mortgage, life insurance may be a solution to provide a measure of financial security, should the unexpected happen and you were no longer able to provide for their family.

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