direct life insurance - canstar · budget direct life insurance 17 63 gu di insur ce life insurance...
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Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Twenties-Male-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
CommInsure Simple Life Insurance 18 50 ✘ ✘ ✔ ✘ ✔ ✔
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Direct Life Insurance 2016 - Page 1Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Twenties-Male-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
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Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
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NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 2Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Twenties-Male-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Direct Life Insurance 2016 - Page 3Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Twenties-Male-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
CommInsure Simple Life Insurance 18 50 ✘ ✘ ✔ ✘ ✔ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
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NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 4Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Twenties-Female-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Direct Life Insurance 2016 - Page 5Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Twenties-Female-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
CommInsure Simple Life Insurance 18 50 ✘ ✘ ✔ ✘ ✔ ✔
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
�
NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 6Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Twenties-Female-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
����
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 7Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Twenties-Female-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
CommInsure Simple Life Insurance 18 50 ✘ ✘ ✔ ✘ ✔ ✔
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
�
NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 8Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Thirties-Male-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
����
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
CommInsure Simple Life Insurance 18 50 ✘ ✘ ✔ ✘ ✔ ✔
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Direct Life Insurance 2016 - Page 9Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Thirties-Male-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
�
NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 10Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Thirties-Male-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
Direct Life Insurance 2016 - Page 11Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Thirties-Male-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
CommInsure Simple Life Insurance 18 50 ✘ ✘ ✔ ✘ ✔ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
�
NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 12Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Thirties-Female-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Direct Life Insurance 2016 - Page 13Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Thirties-Female-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
CommInsure Simple Life Insurance 18 50 ✘ ✘ ✔ ✘ ✔ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
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NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 14Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Thirties-Female-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
Direct Life Insurance 2016 - Page 15Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Thirties-Female-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
CommInsure Simple Life Insurance 18 50 ✘ ✘ ✔ ✘ ✔ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
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NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 16Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Forties-Male-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 17Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Forties-Male-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
CommInsure Simple Life Insurance 18 50 ✘ ✘ ✔ ✘ ✔ ✔
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
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NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 18Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Forties-Male-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
Direct Life Insurance 2016 - Page 19Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Forties-Male-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
CommInsure Simple Life Insurance 18 50 ✘ ✘ ✔ ✘ ✔ ✔
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
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NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 20Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Forties-Female-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
����
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
Direct Life Insurance 2016 - Page 21Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Forties-Female-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
CommInsure Simple Life Insurance 18 50 ✘ ✘ ✔ ✘ ✔ ✔
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
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NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 22Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Forties-Female-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
Direct Life Insurance 2016 - Page 23Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Forties-Female-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
CommInsure Simple Life Insurance 18 50 ✘ ✘ ✔ ✘ ✔ ✔
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
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NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 24Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Early Fifties-Male-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 25Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Early Fifties-Male-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
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Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
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NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 26Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Early Fifties-Male-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 27Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Early Fifties-Male-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
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NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 28Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Early Fifties-Female-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 29Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Early Fifties-Female-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
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NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 30Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Early Fifties-Female-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Coles Insurance Life Insurance 18 55 ✘ ✔ ✘ ✔ ✘ ✘
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
Direct Life Insurance 2016 - Page 31Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Early Fifties-Female-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
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NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 32Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Late Fifties-Male-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 33Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Late Fifties-Male-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
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AAMI Life Insurance Express 18 60 ✘ ✔ ✔ ✘ ✘ ✘
NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 34Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Late Fifties-Male-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
Direct Life Insurance 2016 - Page 35Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Late Fifties-Male-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
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AAMI Life Insurance Express 18 60 ✘ ✔ ✔ ✘ ✘ ✘
NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 36Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Late Fifties-Female-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
���
AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
Direct Life Insurance 2016 - Page 37Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Late Fifties-Female-Non-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
���
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
��
Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
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AAMI Life Insurance Express 18 60 ✘ ✔ ✔ ✘ ✘ ✘
NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 38Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Late Fifties-Female-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
����� "Outstanding Value"
Medibank Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
NobleOak Life Ltd Premium Life Direct 16 69 ✔ ✔ ✘ ✔ ✔ ✔
����
Allianz Australia Life Plan 16 65 ✘ ✔ ✘ ✘ ✔ ✔
HSBC Easy Life Insurance 16 65 ✘ ✔ ✘ ✔ ✔ ✔
Insure Me Now Superior Life 18 64 ✘ ✔ ✘ ✘ ✔ ✔
NIB Health Funds Life Insurance 18 65 ✘ ✔ ✘ ✘ ✘ ✘
Virgin Money Tailored 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Zurich Australia Ezicover Life Insurance 19 69 ✘ ✔ ✘ ✔ ✘ ✘
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AAMI Life Insurance 18 60 ✔ ✔ ✘ ✔ ✘ ✘
AMP Life Life Insurance 16 60 ✘ ✔ ✔ ✘ ✘ ✘
ANZ Life Insurance* 18 59 ✔ ✔ ✔ ✔ ✘ ✔
Budget Direct Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
GIO Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
InsuranceLine Life Insurance Plan 18 65 ✔ ✔ ✘ ✔ ✘ ✔
Let's Insure Life Cover 18 65 ✔ ✔ ✘ ✔ ✔ ✔
NAB Essential Life 18 64 ✘ ✔ ✘ ✘ ✘ ✔
Direct Life Insurance 2016 - Page 39Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less
Death Caused by
PECs** Excluded
Direct Life InsuranceWe endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings.
This is not always possible and it may be that not every product in the market is included in the rating nor every feature compared that is relevant to you.
Company ProductMinimum
Entry Age
Maximum
Entry Age Premium
Freeze Offered
Indexation of
Sum InsuredTPD as
Rider
Guaranteed Future
Insurability
Late Fifties-Female-Smoker
Standard Company Terms Policy Benefits & Options
Trauma Cover
as Rider
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NRMA Insurance Comprehensive 18 65 ✔ ✔ ✘ ✘ ✘ ✘
Ozicare Life Insurance 17 63 ✘ ✔ ✘ ✘ ✔ ✔
RACQ Life Insurance 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Real Insurance Family Life Cover 18 64 ✘ ✔ ✘ ✘ ✔ ✔
St Andrews Ins Australia Classic Life Insurance 18 60 ✘ ✔ ✘ ✘ ✘ ✘
Suncorp Insurance Life Protect 18 60 ✔ ✔ ✘ ✔ ✘ ✘
Woolworths Life Insurance 18 65 ✘ ✔ ✘ ✔ ✔ ✘
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Citi Prime Life Cover 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Guardian Insurance Life Insurance 18 64 ✘ ✔ ✘ ✘ ✔ ✔
RAC Life Protect 18 65 ✘ ✔ ✘ ✘ ✔ ✔
Virgin Money Quick and Easy 18 65 ✔ ✔ ✔ ✘ ✘ ✘
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AAMI Life Insurance Express 18 60 ✘ ✔ ✔ ✘ ✘ ✘
NRMA Insurance Fast Track 18 65 ✔ ✔ ✔ ✘ ✘ ✘
Direct Life Insurance 2016 - Page 40Report Date: June, 2016. (All information is correct as at May, 2016) **Pre-Existing Conditions *Death Caused by Pre-Existing Conditions only available for $500,000 Sum Insured or less