If Your Health Takes A Hit, Will Your
Finances Take The Fall?
WeLifeInsure can help you access and understand the comprehensive options available from Australia's leading life insurers.
Expert guidance
Finding the right life insurance provider can be challenging. We can help you find the best insurer to match your unique situation including medical history.
Easy setup
Protecting your family's financial future doesn't have to be hard. Speak with an expert to understand your options and make informed decisions.
Ongoing Assistance
We're with you every step of the way. If you need to make a claim, update your details or review your policies, we're here to help.
Partnered with over 90% of Australia’s retail insurers
What Is Life Insurance?
Life Insurance is a product which is designed to protect your family and loved ones from financial burden if you were to pass away or are diagnosed with a terminal illness.
When you purchase Life Insurance, you choose an amount to cover for - this is called your benefit amount. Premiums are then paid to an insurer in exchange for this benefit to paid to your beneficiaries if you pass away. Generally, your beneficiaries can either take this benefit as a lump sum or an income stream.
Life Insurance is also known as Death Cover. The term 'Life insurances' can also be used to refer to other policy types which are commonly purchased together with Life Insurance such as Total and Permanent Disability (TPD) cover, Critical Illness Cover and Income Protection.
Is Life Insurance Necessary?
Life Insurance can be an essential tool in your financial plan, acting as a safety for you and your family. Life Insurance can ensure that your loved ones are able to keep the same roof over their heads and maintain a standard of living if you were to pass away.
Whilst it's not compulsory to have, protecting the well-being of loved ones is usually a high priority. Balancing the level of protecting you want with the cost of cover is where WeLifeInsure can help.
Need A Hand?
Seeking guidance from an experienced and knowledgeable insurance specialist is critical to ensure that have a competitive policy which is structured in the way you prefer. Different options will have an effect on the tax treatment of both your premiums and lump sum payment.
Whether you have a young family, are a single young person, or an older Australian, understanding your options and preparing for the uncertainties of life can greatly reduce stress and hardship for your loved ones if you pass away.
To request quotes for Life Insurance, contact us today.
Why Choose Us For Your
Life Insurance?
Expertise You Can Trust
Finding the right life insurance policy can involve a lot of research. With WeLifeInsure, you have a single point of contact to guide you through your options and provide access to Australia's leading insurers.
Claims Support
We support our customers through the entire insurance process. If you need to claim, we'll help you lodge your claim and will offer to act as your advocate to ensure that your benefit is paid as efficiently and timely as possible.
Personalised Policies
Everyone is different. We will help you cater your policy to fit your needs and the find the best insurer to match your situation. Things change over time, so we also check in regularly to make sure that your policy is still suitable.
A Wide Range Of Life Insurance Products
From Income Protection Insurance to Total and Permanent Disability Cover, we provide you access to a wide range of insurance products. In addition to Life Cover, we can help you get other types of cover as well.
What Are The Types Of Life Insurance Cover Available?
1. Compare and quote
Get in touch with us and let’s discuss your options. We can also help you compare existing cover for competitiveness and quality.
2. Apply
Once you’re ready to apply, we'll guide you through the application process to ensure you're in control and informed throughout.
3. Offer
We will work on your behalf with the insurer to secure the best offer of terms possible so you can get the cover you want.
4. payout
If you ever need to make a claim, we'll advocate on your behalf. Once your claim is accepted, you’ll usually be paid out in 48 hours.
When Do You Need Life Insurance?
Manage Your Life Insurance Policy
At WeInsureLife, we help you manage your policy, helping you make changes when necessary.
When it's time to file a claim, we will offer expert assistance, overseeing the process from start to finish.
What Does Life Insurance Cost?
Your age, health, lifestyle, the amount and quality of coverage you select all affect the price you pay for life insurance.
In general, premiums are rated to your age, medical history, and how much cover you are applying for. This balance between cost and coverage is unique for everyone so get in contact to have a no obligation quoting discussion with one of our brokers.
Whether you prefer owning and paying for your Life Insurance through superannuation can also effect the amount of premiums you pay.
Estimated annual cost of $1m life cover
Important: These estimates were calculated as of August 2024 from WeLifeInsure’s Insurance Partners Panel. These estimates have not taken into account your unique position nor discounting which may be applicable.
Discounts
Life Insurers will often discount their policies by up to 15% if you bundle policies together. For example, if you purchase Life, TPD and Critical Illness Cover and Income Protection together.
Discounts can also be available for family groups.
Your broker may also be able to access discounts directly with an insurer.
Get A Quote From An Expert
Seeking guidance from an experienced and knowledgeable insurance specialist is critical to ensure that have a competitive policy which is structured in the way that fits your personal circumstances. Different options will have an effect on the tax treatment of both your premiums and lump sum payment.
Whether you have a young family, are a single young person, or an older Australian, understanding your options and preparing for the uncertainties of life can can greatly reduce stress and hardship for your loved ones if you pass away.
To request quotes for life insurance, contact us today.
The People We’ve Helped Get Insured
Fantastic service provided by WeLifeInsure. Wilson was very knowledgeable and made the entire process of obtaining and reviewing personal insurance easy to follow and understand. He was extremely patient in explaining all important aspects and tailoring the policy to individual needs and circumstances. He was also able to give many other helpful pointers, such that it is evident that he always keeps the best interest of the individual at heart. Highly recommended.
Wilson provided comprehensive explanations to my never ending questions and I felt like I was then in a position to make an informed and appropriate decision for my situation. Consideration was given to ensure that I had explored my current insurance and was aware of what I would be giving up if I switched. Thanks Wilson for your excellent customer service. Highly recommend.
Wilson's organised, calm approach to organising my Insurance products with me was seamless. Never felt like a question was too difficult, or silly to ask and the explanation was clear and excellent comparisons were used to help me gauge what level of cover I need. Would recommend his services to friends and family!
You can make use of our life insurance calculator to get an idea of a suitable amount.
Life Insurance FAQs
Want to Know More? Get in Touch with Us Today!
If you're looking for long-term life insurance, we can help. As Australia's most trusted insurance specialist, we can guide you to an affordable policy that meets your needs.
