Deals on life insurance
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Choice of cover options and flexible premiums to suit your budget.
- Compare quotes from leading life insurance providers.
- Cheap life insurance | Compare discounts, cheapest policies & save.
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No lock-in contracts and fast application. Guardian Life Insurance. NobleOak Life Insurance. Plus, get your first month free. Zurich Ezicover Life Insurance. Insuranceline Life Cover. Tailored life insurance so you know what you're covered for upfront. Receive one month's premiums off every year if you pay annually upfront. Compare up to 4 providers Clear selection.
What types of deals and discounts are available?
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Getting started with our life insurance comparison tool
An adviser can help you find cover from trusted life insurance brands. What's covered in this article? Seven tips to spending less on life insurance What makes life insurance cheaper? What are the different types of cover available?
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Are there any downsides to buying cheap policies? Can you get life insurance without doing a medical exam?
How do I find affordable term life insurance?
Why spend time comparing? Some final questions you may want answered. Quit smoking If you are a smoker and you want to be eligible for cheaper health insurance, the best step is to quit. Consider applying early in your life stages In some cases it can be cheaper to apply for coverage when you are younger.
Understand and choose the appropriate premium type Generally, there are 2 different premium structures available: Stepped premiums.
These start off cheaper than level premiums but increase with age. This is good for those who may switch between brands or who need cover for a shorter term. Level premiums. These are more affordable long-term because they do not change with age.
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Level premiums are best for those who want to stick with a brand for an extended period of cover. Get the right amount of cover for your needs The easiest way to save money on a new policy is to know exactly what you need and buy accordingly. For example: If you are only after cover that protects your family if you pass away prematurely then you probably won't require income protection. On the other hand if you are after cover that protects you if you're unable to work due to illness or injury and if you pass away then you may want to consider bundling life insurance and income protection.
In the event of a terminal illness, it can change a potentially worthless term policy into a permanent one where you retain the entire death benefit. NobleOak Life Insurance. Zurich Future Wise. Providing or obtaining an estimated insurance quote through us does not guarantee you can get the insurance. State Farm is more likely than our other finalists to make the insurance process painless from beginning to end.
Compare policies The high demand for quality life insurance means that there are plenty of companies to choose from and that there is healthy competition in the market. If you compare policies, you may be able to find: A policy that offers extra benefits for the same price e. Savings on similar policies e. Extra value on a policy e. Consider getting a policy through super You may be able to take out a life cover policy through your super fund.
Speak to an adviser Purchasing a policy through a qualified insurance adviser is a sensible option to lower the costs of life insurance. Your age. The earlier you apply for cover, generally the cheaper your premiums. Your gender. Your job. If you smoke. Smokers will generally pay almost double for life insurance than a non-smoker.
The type of cover you want. How much cover you want. How long you want cover.
Compare & buy life insurance policies through well-known insurers via MoneySuperMarket Policies and deals from industry leading life insurance companies. We’ll start by saying that the best cheap life insurance is not always the cheapest life insurance. Their term life policies are flexible, customizable, and reliable. We recommend comparing quotes from all four to find the coverage you need at the most affordable price point.
Your general health. Your lifestyle. In the same vein as those that choose to smoke, those that participate in dangerous activities are going to pay more than those that take less risks. How you pay your premiums. You can generally choose to pay your premiums in one of three ways: Your premiums start out lower but increase as you get older. You pay the same price for the term of the policy.
Your premiums increase to a point and then plateau. Combining cover. If you take out a 'joint policy' you can often get a discount on your premiums. Some policies may cover your children for free. It can be convenient for: Those who know exactly what they need in a policy Those who understand how the specific policy works and don't need the help of an adviser However, the lack of medical underwriting can be a double-edged sword due to: Insurers making assumptions on your health and the level of risk you carry due to you not having to undertake a medical examination.
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This can result in your premium rates being higher compared to obtaining life insurance which has a more stringent medical underwriting process. How can you avoid being underinsured? Review your policy regularly. In particular at specific life events. You may find that you may need to increase your coverage , especially at the time your financial obligations are highest.
You can also decrease your coverage if you have smaller financial commitments. Know what life events your policy covers. These often include events such as marriage, divorce, taking out a mortgage, buying a house, the birth of a child and the death of a spouse or partner. Take advantage of guaranteed insurability. Most cheap life insurance providers offer a guaranteed insurability feature on their policies, either built in or at an additional cost. This allows you to increase your life insurance coverage at a nominated date birthday or policy anniversary without having to submit further medical evidence on significant life events.
Real Family Life Insurance. AIA Priority Protection. AIA Vitality. BT Protection Plans. MLC Insurance. Clearview LifeSolutions. AMP Elevate. Different types of life insurance policies work in different ways. For more information and tips on finding the right cover, read our life insurance guides below:. Finding the right life insurance policy can be confusing, so we've put together a selection of life insurance tips to help.
The older you get, the more difficult it can be to find affordable life insurance. Our guide outlines your options for finding a suitable policy. Learn about life assurance, how to compare whole of life cover, and the difference between life insurance and life assurance. Some types of life insurance offer cover without the need for a medical examination. Learn more in our guide. Despite its value, life insurance doesn't need to be expensive.
Read our top tips for cutting the cost and finding the best policy for your needs. While life insurance can be valuable for everyone, we explain how much cover you might need for your circumstances. How much cover you need will depend on your circumstances and the amount you want to leave behind. You may want to take out enough to pay any debts, such as your mortgage, and can choose a decreasing term to take into account any repayments you make during the length of the policy. Consider any dependents and the day-to-day costs they may need to cover.