Life insurance worth dying for

It might not be fun, but it doesn't have to be grim. We analysed 40 quotes to find the top policies to protect you and yours.

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By

Gary Ross Hunter

Updated

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Medibank Life Insurance
Finder score
9.6 Excellent
Medibank Life Insurance
  • 24/7 access to Medibank Nurse to talk about any health concerns.
  • If you're a Medibank health member you can get a 10% discount each year.
  • Get up to $2.5 million in cover – that's $1 million more than AAMI, Suncorp, ahm, Insuranceline and Zurich.
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ahm Life Insurance
Finder score
8.2 Great
ahm Life Insurance
  • ahm offers a competitive cover limit of $1.5 million for death or terminal illness.
  • You can increase your life insurance coverage after a major life event without needing to be reassessed.
  • Score a 10% discount if you're already an ahm Health Insurance member.
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Zurich Ezicover Life Insurance
Finder score
6.8 Standard
Zurich Ezicover Life Insurance
  • Your family could have 2 chances to save on its insurance: Your first month is free and, by taking out a second life policy, you can get a 10% discount on that policy.
  • Zurich offers premium suspension cover of up to 12 months to help you if you're struggling financially. Most insurers don't offer this.
  • A $15,000 payout for funeral costs is competitive.
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AAMI Life Insurance
Finder score
6.4 Standard
AAMI Life Insurance
  • Good discounts on offer: 1 month free if you pay annually, 5% multi-life policy discount and you can save up to 10% on premiums every year for the life of your policy if you sign up before 2 Dec 2024. T&Cs apply.
  • AAMI has a competitive maximum cover of $1.5million, consistent with other brands in the market.
  • AAMI came in second place in Finder's 2024 customer satisfaction awards.It scored highly in the following areas; customer service, features and benefits, ease of application, value for money and reliability. It scored 4.18/5 overall.
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Suncorp Life Insurance
Finder score
6.4 Standard
Suncorp Life Insurance
  • Suncorp has a competitive maximum cover of $1.5million.
  • Good discounts on offer: 1 month free if you pay annually, 5% multi-life policy discount and you can save up to 10% on premiums every year for the life of your policy if you sign up before 2 Dec 2024. T&Cs apply.
  • You can increase your cover in the future without having to get a medical assessment.
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Gary Ross Hunter's headshot
Journalist

Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards. See full bio

Gary Ross's expertise
Gary Ross has written 621 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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