ClearView Life Insurance Review

ClearView is an Australian life insurer that has focused on the advised retail market since introducing its LifeSolutions range in 2011, more recently expanding into its ClearChoice product suite. ClearView provides life cover, TPD, trauma and income protection through licensed financial advisers, and has built its reputation on competitive long-term pricing and flexible policy design. With thousands of advisers and more than a hundred thousand customers, ClearView positions itself as a genuine alternative to the large institutional insurers, with a clear focus on the advised market rather than direct sales.

Who ClearView suits

ClearView can suit people who are working with an adviser and want flexible, competitively priced cover from a dedicated life insurer. Its range includes options like level premiums to age 70, child cover and business expense cover, which can appeal to families and small business owners. Because ClearView is advised-only, it suits people who want guidance rather than a quick direct purchase.

ClearView key strengths

• Australian life insurer focused on the advised retail market
• LifeSolutions range since 2011, plus the newer ClearChoice suite
• Options including level premiums, child cover and business expense cover
• Some cover can be held through superannuation
• Competitive long-term pricing and flexible policy design

Things to consider

• Products are available through licensed financial advisers, not directly to consumers
• As a focused life insurer, ClearView is smaller than the largest institutions, though well-established
• Premium structure (stepped vs level) significantly affects long-term cost - worth comparing carefully

How ClearView's TPD definition compares

We compare ClearView's own occupation and any occupation TPD wording against ten other Australian insurers, quoted from each PDS: TPD definitions compared across 11 insurers.

How ClearView's terminal illness definition compares

We compare ClearView's terminal illness wording, certification requirements, funeral advance and expiry ages against ten other Australian insurers, quoted from each PDS: life cover compared across 11 insurers.

ClearView life insurance FAQs

Is ClearView a good life insurance company?

ClearView is an Australian life insurer that has focused on the advised retail market since 2011, with a solid reputation for competitive pricing and flexible cover. Whether it is right for you depends on your needs, budget and the features that matter most.

What is the difference between LifeSolutions and ClearChoice?

LifeSolutions is ClearView's longstanding product range, introduced in 2011. ClearChoice is its newer suite, with updated features and options. Your adviser can explain which range a quote relates to and how the features differ.

Can I hold ClearView cover through superannuation?

Some ClearView products can be owned through a complying super fund, which may offer tax benefits. Whether this suits you depends on your individual circumstances, and your adviser can explain the options.

Can I buy ClearView directly?

ClearView's products are arranged through licensed financial advisers rather than sold directly to consumers, so you receive advice on whether the cover is appropriate for your situation.

Compare ClearView with 11 insurers

Your Choice Life compares ClearView against 11 of Australia's leading insurers to help you find good-value cover. It is free, with no obligation - get an instant quote online or request a comparison.

Your Choice - Life Insurance is an Authorised Representative (AR 001318312) of Life Plan FP Australia Pty Ltd, AFSL 277681. This is general advice only and does not consider your personal circumstances; consider the relevant PDS and TMD before deciding.

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

Financial Services Guide · Product Disclosure Statements · Target Market Determinations · Privacy Policy · Terms of Use · Complaints