Life Insurance & Personal Cover Options

Understanding the main types of personal insurance cover - Life Insurance, TPD, Trauma / Critical Illness and Income Protection - and how Your Choice Life compares 10+ insurers to find the right mix for you. Free, no-obligation, AFSL 277681.

Life Insurance

Provides a lump sum payment to your beneficiaries if you pass away, helping protect your family's financial future.

Total and Permanent Disability (TPD)

Pays a lump sum if you become permanently disabled and are unlikely to work again in your usual occupation.

Trauma / Critical Illness Insurance

Provides a lump sum if you are diagnosed with a specified serious illness such as cancer, heart attack or stroke.

Income Protection Insurance

Replaces a portion of your income (up to 70%) if you are unable to work due to illness or injury.

Which cover types do I need?

Most people combine a few of these to protect their family, income and debts. The right mix depends on your age, dependants, mortgage and income. A licensed adviser can compare 10+ insurers to build cover that fits.

Frequently asked questions

Can I combine different types of cover?

Yes. Life, TPD, Trauma and Income Protection can be taken on their own or combined into one package, often structured to manage cost and tax-effectiveness.

How much does this cover cost?

It depends on your age, the cover amount, your health, smoking status and occupation. We compare 10+ insurers to find the best value for your situation.

Your Choice Life Insurance - AFSL 277681 - AR 001318312. General advice only; consider the relevant PDS and TMD before deciding.