Specialist life insurance broker
Insure This Life is a specialist broker. We compare Life, TPD, Trauma and Income Protection across Australia's major insurers, explain the differences that matter, and manage your application through to approval.
What we compare
Most people need some combination of these, and the right mix depends on your situation and how comprehensive you want the cover to be.
Pays a lump sum when you pass away, or if you're diagnosed with a terminal illness.
Its purpose is to clear the mortgage and other debts, cover funeral expenses, replace lost income, or simply leave a lump sum to your family or chosen beneficiary.
Total and Permanent Disability cover pays a lump sum if illness or injury means you're unlikely to work again.
Similar in purpose to Life cover. Clients take TPD cover for the same reasons: paying off debt and replacing lost income.
Worth knowing: when you apply for cover you can usually choose how “unable to work again” is defined — either by your Own Occupation or Any Occupation.
Also called critical illness cover. Pays a lump sum when you're diagnosed with a serious condition listed in the policy — the most commonly claimed are cancer, heart attack and stroke.
Importantly, you don't have to stop working to claim on trauma cover. Policies generally cover 30 or more conditions, though the list and how each is defined differs by insurer.
Pays a monthly benefit of up to 70% of your income while illness or injury keeps you off work.
You choose the waiting period and the benefit period, which lets you balance how comprehensive the cover is against the premium you pay.
Who we help
Generally the clients we speak to have a mortgage, a family depending on them, or are self-employed. We also assist business owners with buy/sell and key person cover.
Your family's lifestyle runs on your income. Cover keeps that going if you can't.
No sick leave, no safety net. You've built something that depends on you turning up.
Your business depends on a small number of people. Cover keeps it running if one of them can't.
You may already have a policy, taken out personally or through your super, that you'd like to compare.
Process
An initial chat only takes around 15 minutes. If you choose to proceed, we're with you through the whole application process.
We find out why you're looking into cover, answer any initial questions you have, and explain how we can help you get cover in place.
We ask some basic health questions to check your eligibility, then talk through what you want to protect — your debts, your income, your family's living costs.
We compare our full panel of insurers to help you choose the most appropriate provider, and give you a quote over the phone and by email.
You choose the insurer and we handle the application with you, all the way to approval. We take care of the administration, and we're here to support you if you ever need to claim.
Providers
We compare across 10 of Australia's major life insurers below.
Why work with us
We keep things simple and transparent. No pressure, no unnecessary complexity — just clear, practical support to help you make a confident decision and get the cover in place.
We compare across multiple insurers to find the most suitable fit for your circumstances — which may be dependent on your health, occupation or the level of cover you’re after.
We explain the different types of cover, give general guidance on the level of cover required and, most importantly, assist you every step of the way to get you insured.
As your premium increases over the years, you can come back to us at any time to see if there is a lower cost option that suits your needs — or to review your level of cover if your circumstances have changed.
If you ever need to claim, you have someone who knows your policy and can deal with the insurer on your behalf, supporting you through the claim process.
Questions
Some people simply want to leave a lump sum for their family if they pass away. Others want full protection against death, disability and other serious health events that could take time out of your life, whether that's short or long term.
Which covers you take comes down to how comprehensive you want the policy to be, and what you can comfortably afford in premiums.
Many Australians have default cover inside their super. If you feel that may not be enough, or you want something more comprehensive, you can take out additional cover — or simply compare what you already hold against our panel of insurers.
There's no standard figure. For Life and TPD cover, people generally want to clear the mortgage and other debts, and leave either a lump sum or a replacement income for their family.
For Trauma cover there's no right or wrong amount either, but we generally see clients insure for around two to three years of income — enough to cover the mortgage or extra medical expenses while they recover.
Income protection can generally cover up to 70% of your income. You choose how long you wait before the benefit starts (commonly 30, 60 or 90 days) and how long it pays for — two years, five years, or to age 65.
Premiums are based on your age, health, occupation, the amount of cover and the options you choose, so the premium will be different for everyone.
After a short conversation we can provide you with quotes and work with you to adjust the levels of cover to what you feel is appropriate, before proceeding to an application.
Yes — Life, TPD and income protection can generally be paid from super or an SMSF. Trauma cover cannot.
Paying through super protects your cash flow but reduces your retirement balance, so it's a trade-off worth considering. Premiums paid through superannuation can also work out around 15% cheaper, because the fund is generally able to claim a tax deduction.
Generally speaking, clients who have limited cash flow to pay for the insurance will use their super to fund it.
Income protection premiums paid personally are generally tax deductible at your marginal tax rate, and can be claimed through your tax return — whether you lodge it yourself or through your accountant.
Not always. If you’re applying for a high level of cover, or you have certain pre-existing conditions, the insurer may ask for a health check. That usually means a blood test, a urine test, and height and weight measurements.
There’s no cost to you and the insurer arranges it. A mobile nurse comes to your home or workplace, any day of the week.
It’s worth knowing that insurers who underwrite with medical testing generally offer more comprehensive cover with fewer pre-set exclusions than those who don’t, so being asked for a health check isn’t a negative.
We're paid a commission by the insurer when a policy is taken out. You don't pay us a fee directly.
You can find more information about how we're paid in Financial Services Guide Part 2.
Request a quote
Leave your details and we'll be in touch to arrange a short chat. There's no cost to talk and no obligation to take anything out.
We'll only use your details to respond to this enquiry. We don't ask for health information here — that comes later, on a call.
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Contact
Give us a call or send an email — whichever suits. We work with clients right across Australia.