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Name Finder Score Maximum Cover Funeral Benefit Optional TPD Cover Optional Trauma Cover
Real Serious Illness Insurance image
Finder score
Maximum Cover
$0.5 million
Funeral Benefit
$0
Optional TPD Cover
Optional Trauma Cover
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Real Life Insurance image
Finder score
Maximum Cover
$2 million
Funeral Benefit
$20,000
Optional TPD Cover
$1 million
(maximum cover)
Optional Trauma Cover
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Our verdict: The application is simple; it can be done with 1 phone call and there are no medical exams.

⭐ Current offer: Get 10% cash back of the premiums you've paid after your 12-month anniversary with The Real Reward™.
Zurich Ezicover Life Insurance image
Finder score
Maximum Cover
$1.5 million
Funeral Benefit
$15,000
Optional TPD Cover
Optional Trauma Cover
Get QuoteView details
Our verdict: Good if you want a cheap policy from a well-regarded insurer – its 98% claims acceptance rate is higher than any other provider on Finder. Zurich keeps things simple: unlike others, it doesn’t go in for optional add-ons such as TPD or trauma cover.

⭐ Current offer: Policy discounts include 10% off for your partner if you sign up for a joint policy. You can also get 5% off income protection if you buy it alongside your life cover.
ahm TPD Insurance image
Finder score
Maximum Cover
$1 million
Funeral Benefit
$0
Optional TPD Cover
Optional Trauma Cover
Get QuoteView details
With ahm, you can add up to $1 million in TPD insurance to your policy. You can buy online and there’s no medical exam. Keep in mind that Medibank offers an extra $500k – worth considering if your needs are greater.
AAMI Life Insurance image
Finder score
Maximum Cover
$1.5 million
Funeral Benefit
$10,000
Optional TPD Cover
Optional Trauma Cover
Get QuoteView details
Our verdict: There’s flexibility with AAMI as you can add another adult to your cover, with a competitive limit of $1.5 million. Easy application process with no medical exams.

⭐ Current offer: Take out an AAMI Life Insurance policy and get a $100 eGift card after 4 months of cover. Offer ends 31/03/2025. T&Cs apply.
Suncorp Life Insurance image
Finder score
Maximum Cover
$1.5 million
Funeral Benefit
$10,000
Optional TPD Cover
Optional Trauma Cover
Get QuoteView details
Our verdict: Competitive maximum cover limit of $1.5 million. Suncorp lets you change your cover amount by up to $100,000 after a big life event, such as having a baby.

⭐ Current offer: Take out a Suncorp Life Insurance policy and get a $100 eGift card after 4 months of cover. Offer ends 31/03/2025. T&Cs apply.
Medibank Life Insurance (Pre-existing conditions) image
Finder score
Maximum Cover
$2.5 million
Funeral Benefit
$15,000
Optional TPD Cover
Optional Trauma Cover
Get QuoteView details
  • When applying, you are asked to sign a declaration confirming that you've provided all relevant details about your health and any pre-existing conditions.
  • The information you disclose about your pre-existing condition will determine the cover you may receive, including claims.
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    Showing 10 of 74 results

    Finder Score - Life Insurance

    Life Insurance is a little complicated and a lot overwhelming. That's why we made the Finder Score, to make it easier to compare Life Insurance products against each other. Our experts analysed over 30 products and gave each one a score between 1 and 10.

    But a higher score doesn't always mean a product is better for you. Your situation is unique, so your policy choice will be too. Don't think of Finder Score as the final word, but as a good place to start your life insurance comparison.

    Read full Finder Score methodology

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