If you're considering life insurance, the jargon, the fine print, and sites that want to sell you something make it hard to know where to start. lifecovers cuts through the noise: free education, plain English, no product to push. When you're ready to talk, we can connect you with a licensed partner practice.
A lot of life insurance information online comes from sites trying to sell you something. lifecovers does it differently. We publish education about how the four core products work, how cover is structured in Australia, and what consumers typically consider at each life stage. When you want a real conversation, you fill in a short form and a licensed practitioner from our partner practice aims to call you back within 24 hours (business days).
The four core products
Each has a different trigger and a different role. The four products have different claim triggers and can be held separately or together, depending on circumstances.
A lump sum if you die, or paid early if you meet the policy's terminal-illness definition. Who receives it depends on policy ownership and, for super-held cover, super rules.
Used to cover debts, replace income, and fund expenses for the people who depend on you.
Explore 02Monthly payments that replace a portion of your income if illness or injury stops you working.
Held inside super, outside super, or both. Waiting periods and benefit periods shape how the cover behaves.
Explore 03A lump sum if illness or injury leaves you permanently unable to work.
Two definitions are common in Australia: own occupation and any occupation. The definition you hold affects how the test is applied at claim time.
Explore 04A lump sum on diagnosis of one of the medical conditions listed in the policy.
Such as cancer, heart attack or stroke. Pays regardless of whether you can still work. Often used to cover treatment costs and recovery time.
ExploreBuilt for reading
Every page on lifecovers is free to read, start to finish. There is no gated content, no email capture before the answer, and no product waiting at the end of the article. Read as much or as little as you need, then decide for yourself whether talking to a licensed practitioner is worth your time.
How it works
Read free education, then enquire when you're ready. We connect you with a licensed partner practice.
Use the hubs, guides and life-stage pages to build a picture of what cover looks like in Australia. Everything is free and there is no form to fill in to access it.
When you want to talk to someone, fill in a short form. We pass your details to a licensed Australian partner practice.
A licensed practitioner from our partner practice aims to call you back within 24 hours of your enquiry (business days). They discuss your situation, answer questions, and quote cover if you want them to. You are under no obligation.
We publish general information for Australian consumers. We do not sell insurance, endorse a product, rank insurers, or hold one policy up against another. When you enquire, your details go to a single licensed Australian partner practice. The partner practice explains its own remuneration in the disclosure documents it gives you. lifecovers is currently paid nothing for the referral, and you pay nothing to lifecovers.
Talk to a licensed practitioner
We pass your details to our licensed partner practice. They aim to call you back within 24 hours of your enquiry (business days). No obligation, no charge.