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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.

Gary Ross Hunter's headshot

By

Gary Ross Hunter

Updated

Man in suit riding a mini tricycle with a rocket on his back
TAL Accelerated Protection Life Insurance
Finder score
9.8
TAL Accelerated Protection Life Insurance
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Medibank Life Insurance
Finder score
7.6
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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NobleOak Life Insurance
Finder score
9.7
NobleOak Life Insurance
  • 94.9% of claims paid out in the latest period. The industry average is 90.7%.
  • Get up to $25 million in cover – most offer up to $1.5 million.
  • Above-average claims processing time of 0.9 months. The industry average is 2.5 months.
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ahm Life Insurance
Finder score
6.8
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
4.1
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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Real Family Life Cover
Finder score
N/A
Real Family Life Cover
  • You can get back 10% of premiums you've paid in the first month. For us, this is one of the better sign-up offers on the market.
  • Children's cover is available on some plans – you can get up to $50,000 for each child insured. Most life insurers don't offer child cover at all.
  • No medical assessment (great if you're in good health).
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Gary Ross Hunter's headshot
Editor, Insurance

Gary Ross Hunter was an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

Gary Ross's expertise
Gary Ross has written 699 Finder guides across topics including:
  • Health, home, life, car, pet and travel insurance
  • Managing the cost of living

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