Are you worried about the cost of insurance being a large burden on your financial situation, but you know that you do require some cover?
We can provide solutions through our cost analysis.
All you need to do is fill in the form, detailing what an acceptable premium per month is ($20 minimum), and tell us what type of policy you are looking for, and if you want multiple types of cover, what is the highest priority. We will then find the best mixture of cover that suits your budget.
Insurance is crucial to everyone's situation; you might be surprised what you can obtain each month.
Personal Details
Note:Insurance can only be provided to permanent residents of Australia, or those people in the application process for permanent residency.
Privacy: Please note you are required to submit personal details in order to obtain a quote. We operate under the National Privacy Principles; your information is used only for the purpose of generating quotes. We never pass your details onto third parties; our full privacy policy is here.
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anywhere within the form, relevant information will appear in this column.
Term Life Cover
Term life insurance provides a lump sum payment on the death of the life insured. Approximate premiums are detailed below for non-smokers.
| Age | Cover Amount | Male | Female |
| per month | per month | ||
| 30 | $250,000 | $25 | $20 |
| 30 | $500,000 | $30 | $25 |
| 40 | $250,000 | $27 | $22 |
| 40 | $500,000 | $42 | $33 |
| 50 | $250,000 | $60 | $45 |
| 50 | $500,000 | $105 | $80 |
People take term life cover to pay out their debts and leave a lump sum to provide financial security for their partner and/or children.
TPD
Total and Permanent Disability (TPD) is usually taken as an extension to life cover. It provides a lump sum payment in the event that the life insured is totally and permanently disabled.
Where people take income protection the amount of TPD cover can be reduced. As if you have correct income protection, in the event of total disablement the income protection policy will replace lost income.
The costs below are for life and TPD cover combined.
| Age | Cover Amount | Male | Female |
| per month | per month | ||
| 30 | $250,000 | $30 | $27 |
| 30 | $500,000 | $50 | $40 |
| 40 | $250,000 | $45 | $35 |
| 40 | $500,000 | $70 | $60 |
| 50 | $250,000 | $110 | $95 |
| 50 | $500,000 | $195 | $165 |
Trauma Insurance
Trauma policies pay a lump sum in the event of an injury or sickness as defined in the policy document, (for example cancer, heart attack, stroke). This can be taken as a stand alone policy (on its' own), or attached to a life insurance policy.
There are basic trauma policies and there are extended trauma policies that cover a greater level of events (we only quote on the extended cover). Some policies offer TPD as a definition of trauma, therefore this can provide cost savings.
The costs below are for stand alone trauma policies.
| Age | Cover Amount | Male | Female |
| per month | per month | ||
| 30 | $100,000 | $25 | $25 |
| 30 | $200,000 | $35 | $35 |
| 40 | $100,000 | $35 | $38 |
| 40 | $200,000 | $65 | $65 |
| 50 | $50,000 | $50 | $45 |
| 50 | $100,000 | $100 | $80 |
Income Protection
The biggest variable with income protection is the waiting period; with the table below we have assumed a benefit of $3,500 per month to age 65. We have run quotes with two waiting periods, 30 and 90 days. Please note that these are before tax premiums, and income protection premiums are tax deductible (non-smoker rates).
| Age | Waiting Period | Male | Female |
| per month | per month | ||
| 30 | 30 Day | $55 | $70 |
| 30 | 90 Day | $40 | $50 |
| 40 | 30 Day | $85 | $120 |
| 40 | 90 Day | $60 | $85 |
| 50 | 30 Day | $175 | $260 |
| 50 | 90 Day | $120 | $170 |
Lifebroker is an Authorised Representative of National Financial Solutions Pty Ltd, holder of AFSL 284182
National Financial Solutions Pty Ltd (the authorising licensee) or any related companies will not be held responsible for the merits of this advice to your circumstances.