Life Insurance Frequently Asked Questions

Do you provide advice on the amount of cover I should have?
The nature of our service is not to provide you with full advice as to the type and amount of cover you should establish. Our advice is limited to providing the best options for the cover amounts, and types that you ask for. If you are seeking advice as to your level of covers required, our service may not suit you. Please see the Our Service page for full information on the basis of our advice.

What Companies do you deal with?
See our life insurance companies page for a full list of insurance companies we deal with.

Am I locked into the cover for a certain period?
No. The policy that you establish can be cancelled at any time without any penalties.

Can the Policy be Cancelled?
Yes but only by the person that is insured. The life insurance company cannot cancel the policy due to a change in your health.

Am I covered whilst traveling overseas?
Yes, all of our insurance products provide cover 24 hours a day, wherever you are in the world. Find out how you're impacted if you're an Australian expat or intending to travel or reside overseas on a long term basis.

How do the different policies you have quoted compare?
We aim to provide clients with as much choice as possible and show the premiums of various companies for various levels of cover. With term life insurance it is purely cost base, as all companies will pay when you die. Trauma Insurance and Income Protection policies may vary slightly between companies, but these variations will only be very slight. We can provide specific comparisons if you wish.

Does the policy have a cash value?
The majority of quotes we provide are for term life cover; this is where the policy has no cash value. Whole of Life policies do have a cash value but the premiums are far higher than for term life insurance.

Forms