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 a life insurance policy is that if you’re suddenly no longer around to provide for your family, it pays a lump-sum that can be used to help them meet their financial commitments like the mortgage or rent, education costs for your children, and everyday living expenses. Even if you don’t leave behind any debts, the payout can simply help your loved ones maintain the lifestyle you’ve worked hard to achieve. 
Life insurance provides your chosen beneficiary/s with a lump-sum payment should you pass away or (depending on the policy you choose) if you’re diagnosed with a terminal illness. When applying for a life insurance policy, you’ll need to nominate an amount that you wish to be covered for. However, the maximum cover amount you’re eligible to apply for usually depends on your age at the time of application, and with some policies, your income is also a factor. Joint policies are available to insure your partner as well, and some policies even allow you the option to add your children to your policy.
For the policies that can be arranged directly through Choosi, you’ll be able to apply for a policy, as long as you’re an Australian resident aged between 18 and 64 (or up to 65 for some policies). You’ll usually need to answer a few health and lifestyle questions and your application will be assessed based on the answers to these questions. If you’re adding your partner to your policy, they’ll also need to meet these criteria and answer the same health and lifestyle questions. Some insurers may require additional information before making a decision on whether to accept your application.
For policies available directly through Choosi, the minimum cover amount that you can apply for is $100,000, and the maximum is $1.5 million. However, the maximum level of cover you’re eligible to apply for will depend on your age at the time you apply, and for some policies, your income.
This will depend on your personal circumstances. Could your family survive financially if you couldn’t provide for them anymore? If you have dependents such as a spouse or young children, and financial commitments such as a mortgage, school fees, or personal debts, life insurance could help provide your family a measure of financial security. 

Brands you can trust

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Choosi Price Guarantee

Choosi Price Guarantee

Buy any Life Insurance policy through Choosi and, if you find a cheaper price on the same policy within 30 days of purchase, we will refund you the difference in premium for the first year, plus send you a $100 gift card. Terms and conditions apply.

Feefo Gold Trusted Service Awards 2020

Feefo Gold Trusted Service Awards 2019

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