Help: are you a smoker?
If you have used any tobacco products including cigarettes, cigars or nicotine replacement products in the last 12 months then you are classed as a smoker. If you give up smoking, once you have been tobacco free for 12 months you will be entitled to non smoker premiums.
Life Cover is the agreed lump sum you would like paid to your beneficiaries or estate in the event of your death or terminal illness.
TPD cover is a lump sum amount paid to you if you are totally or permanently disabled and cannot work. Indicate the amount you would like cover for.
Indicate the lump sum amount you would like paid if you suffer from one of the covered medical conditions, e.g. heart attack, cancer or stroke.
We need to collect some basic details to help find the best cover for you. A specialist consultant will be in touch.
Enter your gross annual income before tax
Agreed value policy
you prove your income up front and insure to receive a set amount regardless of fluctuations in income. The advantage is that you know what you will receive. The disadvantage is that these policies cost more (approx 20%). Self-employed people with variable income should take an agreed value policy.
you are insured for what you say you earn and verify your income at the time of making a claim. If your income has reduced since you applied for cover, your claim will be paid on the reduced amount.
Compare Insurance has partnered with Australia's leading specialist life insurance & income protection broker, Lifebroker to provide this free comparison service. By clicking 'Compare Quotes', you acknowledge that you may be contacted by a specialist life insurance consultant.