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Name Finder Score Maximum Cover Funeral Benefit Optional TPD Cover Optional Trauma Cover
TAL Accelerated Protection Life Insurance image
Finder Award
Finder score
Maximum Cover
No set limit
Funeral Benefit
$25,000
Optional TPD Cover
$3 million
(maximum cover)
Optional Trauma Cover
Get QuoteView details
Our verdict: One of Australia's leading life insurers. Automatically includes child critical illness cover. Plus, it comes with a level premium option (e.g. costs remain similar as you get older).

⭐ Current offer: Get up to 15% off your TAL Life, Trauma or TPD insurance policy for life - if you have a Body Mass Index (BMI) between 19 and 28 at the time of your application. Offer T&Cs on insurer website apply.
ahm Life Insurance image
Finder score
Maximum Cover
$1.5 million
Funeral Benefit
$15,000
Optional TPD Cover
$1 million
(maximum cover)
Optional Trauma Cover
Get QuoteView details
Our verdict: ahm offers a simple application process. Be approved online or over the phone. No medical or blood tests needed to apply.

⭐ Current offer:Get 10% off your first year of ahm life insurance when you apply by 10 Dec 2024. T&Cs apply.
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.
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.
  • 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: Save up to 10% on premiums every year for the life of the policy on Suncorp Life Insurance. Offer ends 2 December 2024. T&Cs apply.
    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.
    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: Save up to 10% on premiums every year for the life of the policy on AAMI Life Insurance. Offer ends 2 December 2024. T&Cs apply.
    ahm Critical Illness Cover image
    Finder score
    Maximum Cover
    $0.5 million
    Funeral Benefit
    $0
    Optional TPD Cover
    Optional Trauma Cover
    Get QuoteView details
    Get a quote for up to $500,000 in Critical Illness Cover.
    Suncorp Life Protect Insurance (Pre-existing conditions) image
    Finder score
    Maximum Cover
    $1.5 million
    Funeral Benefit
    $10,000
    Optional TPD Cover
    Optional Trauma Cover
    Get QuoteView details
  • You will be asked questions on your income, lifestyle and health during the application process.
  • The level of cover you receive for pre-existing conditions is assessed on a case by case basis.
  • NobleOak Trauma Insurance image
    Finder score
    Maximum Cover
    $2 million
    Funeral Benefit
    $5,000
    Optional TPD Cover
    Optional Trauma Cover
    Get QuoteView details
    Get a quote for up to $2,000,000 in Trauma Cover.
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    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 20 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

    More guides on Finder

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