Get an instant life insurance quote online

See an indicative price in minutes, then let Your Choice Life compare 11 of Australia's leading insurers to find you the right life insurance cover at the right price. Free and no-obligation.

How to get your quote in 3 steps

1. Enter a few details - pop in your age, the cover amount you are considering and whether you smoke. It takes under two minutes, and you do not need to give contact details to see a number.
2. See your indicative quote - the tool returns an instant, indicative monthly premium so you have a realistic ballpark to work from.
3. We compare 11 insurers for you - we compare 11 of Australia's leading insurers to find good-value cover.

What affects your life insurance premium

An instant quote uses standard assumptions. Your real price depends on a handful of factors, and because every insurer weighs them differently, comparing all 11 is how you find the best value.

• Your age - premiums rise as you get older, so locking in cover earlier is usually cheaper.
• How much cover you take - a higher sum insured means a higher premium.
• Smoking status - non-smokers pay significantly less.
• Health and medical history - pre-existing conditions can affect price or terms, and insurers assess them very differently.
• Your occupation - higher-risk jobs can cost more, especially for Income Protection and TPD.
• Cover type and structure - Life, TPD, Trauma and Income Protection are priced differently, and stepped versus level premiums change the long-term cost.

Instant quote vs a full comparison

The instant quote is a fast, indicative price from a limited range using standard assumptions - great for a ballpark, but it is not your confirmed premium and does not shop the whole market.

A full comparison with Your Choice Life compares 11 insurers against your actual age, health, occupation and goals, chooses the right cover structure, and finds the insurer most likely to accept you on good terms - usually at no cost to you.

Why get your life insurance quote through Your Choice Life?

• 11 insurers, one place - we compare Australia's leading insurers so you do not have to chase quotes one by one.
• Beyond the instant number - we dig into your situation to find cover that actually fits, and often costs less.
• No cost, no obligation - our advice is free; we are paid by the insurer only when your policy is issued.

Life insurance quote FAQs

Is the instant quote my final price?

No. The instant quote is indicative only - a guide based on a limited range and standard assumptions. Your final premium and acceptance are confirmed after underwriting.

How many insurers do you compare?

Your Choice Life works with 11 of Australia's leading life insurers, so we can often find better value than an instant quote shows.

How much does life insurance cost in Australia?

It depends on your age, cover amount, smoking status, health and occupation. The quote tool gives an instant ballpark, and an adviser then confirms accurate pricing across 11 insurers.

What does life insurance cover?

We compare Life (death) cover, TPD, Trauma / Critical Illness and Income Protection. Most people combine a few of these to protect their family, income and debts.

Does a quote cost anything or commit me?

No. Quotes are free with no obligation. We are paid by the insurer only when a policy is issued, so our service costs you nothing.

Can I get cover if I have a health condition?

Often yes. Different insurers assess conditions differently, which is exactly where comparing 11 insurers helps.

Your Choice - Life Insurance is an Authorised Representative (AR 001318312) of Life Plan FP Australia Pty Ltd, AFSL 277681. This is general advice only; consider the relevant PDS and TMD before deciding.

Written by Sam Yakoubian, Authorised Representative 001318312 of Life Plan FP Australia Pty Ltd, AFSL 277681.

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