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Compare Life Insurance Quotes

Protect your family's financial future. Compare term and whole-life policies from top providers and find the right level of cover at a price you can afford.

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Choosing the right life insurance policy

Life insurance provides a tax-free lump sum or regular income to your loved ones if you die during the policy term. The two main types are term life insurance — which covers you for a fixed period and is typically the most affordable option — and whole-of-life insurance, which guarantees a payout regardless of when you die. The right choice depends on your age, health, family situation, mortgage, and long-term financial goals. Comparing policies across providers can save thousands over the lifetime of your cover.

Term life vs whole-of-life: Term policies pay out only if you die within a specified period, making them ideal for covering a mortgage or protecting dependants during working years. Whole-of-life policies build cash value and guarantee a payout, suiting estate planning and legacy goals.
Cover amount and beneficiaries: Your cover amount should reflect what your family would need to maintain their lifestyle — typically 10–15 times your annual income. Name your beneficiaries carefully; trusts can help ensure the payout reaches them quickly and tax-efficiently.
Smoker rates and health underwriting: Smoking significantly increases life insurance premiums — often doubling the cost. Being tobacco-free for 12 months typically qualifies you for non-smoker rates. Some insurers offer enhanced terms for people in excellent health, so full comparison is essential.

Term or Whole Life

Compare level-term, decreasing-term, and whole-of-life policies side by side. Find the structure that aligns with your mortgage, your family, and your long-term financial plan.

Critical Illness Cover

Add critical illness cover to your life policy and receive a lump sum if you're diagnosed with cancer, a heart attack, or stroke — protecting your income when you need it most.

Affordable Premiums

Life insurance can cost less than you think — especially when you compare. A healthy non-smoker in their 30s can secure significant cover for the price of a monthly streaming subscription.

How to get your life insurance quote

1

Choose your cover type and amount

Decide whether you need term or whole-of-life cover and set the cover amount. Use our calculator to estimate the right sum assured based on your income, debts, and dependants.

2

Provide your health and lifestyle details

Answer questions about your age, health, smoking status, and occupation. Accurate information is essential — incorrect declarations can void a claim.

3

Compare quotes from multiple insurers

Browse live quotes ranked by monthly premium. Filter by policy type, term length, and optional add-ons like critical illness or waiver of premium.

4

Apply and get covered — often same day

Complete your application online. Many applicants receive instant cover decisions with no medical required. Complex cases may need a GP report, but your adviser will guide you through.

Top Life Insurance Providers

★ Featured Provider
TA
Best Value

TAL Life Insurance

Trusted life insurance for Australians

4.5(9,400)
From $25/mo/month
  • Up to $1.5M cover
  • Terminal illness benefit
  • No medical required under $500K
  • CPI indexing
★ Featured Provider
LI
Best Value

LifeSecure Premium

Up to $2M life cover with terminal illness benefit

4.8(11,200)
From $28/mo/month
  • Up to $2M cover
  • Terminal illness benefit
  • Waiver of premium option
  • No medical under $750K
★ Featured Provider
LI
Most Popular

LifeFirst Cover

Trusted life cover with fixed monthly premiums

4.6(9,400)
From $35/mo/month
  • Fixed premiums for life
  • Critical illness add-on
  • Children's benefit included
  • CPI-indexed cover option
PR

ProtectLife

Simple, affordable life insurance from $22/mo

4.3(6,200)
From $22/mo/month
  • Instant online quote
  • No medical exam required
  • Flexible cover amounts
  • Family income benefit option

Why compare life insurance with us?

Whole-market comparison

We compare quotes from the UK's leading life insurers including Aviva, Legal & General, Royal London, and more — so you see the full picture before you decide.

Smoker and non-smoker rates both shown

We display premiums for both smoker and non-smoker categories. If you've recently quit, we show you what you could save by qualifying for non-smoker rates.

Trust setup guidance

Writing a life insurance policy in trust ensures the payout goes directly to your beneficiaries — quickly and outside your estate. We explain how this works and which insurers make it easy.

Joint and single policy comparison

Couples can compare joint policies alongside two separate policies. We show you which arrangement gives better value and flexibility for your specific circumstances.

No medical, fast decisions

Many of the policies we compare offer instant acceptance for healthy applicants with no medical examination required. We flag which policies are most likely to offer instant cover.

Ongoing support after you buy

Life events like getting married, having children, or buying a home may mean you need more cover. We remind you to review your policy and make it easy to compare updated options.

Life Insurance FAQs

Protect what matters most

Compare life insurance quotes and give your family the financial security they deserve.

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