Sam Yakoubian
Osama (Sam) Yakoubian is an ASIC Authorised Representative (AR 001318312) of Life Plan FP Australia Pty Ltd, AFSL 277681. The authorisation is for general advice only on life insurance products. Sam writes the comparison guides on this site for Your Choice - Life Insurance, the trading name of The Trustee for The Australian Comparison Group Trust (ABN 20 154 676 456).
How the guides are written
The comparison guides quote each insurer's Product Disclosure Statement (PDS) word for word, cite the PDS version and date, and show the date they were last reviewed. They do not rank or recommend any product.
Guides written by Sam Yakoubian
- Life cover compared: terminal illness definitions across 11 insurers (published 2026-08-17, last reviewed 2026-08-16)
- TPD definitions compared: own vs any occupation across 11 insurers (published 2026-08-16, last reviewed 2026-08-16)
- TAL vs Zurich: life cover and TPD definitions side by side (published 2026-09-29, last reviewed 2026-08-16)
- TAL vs AIA: life cover and TPD definitions side by side (published 2026-09-29, last reviewed 2026-08-16)
- AIA vs MetLife: life cover and TPD definitions side by side (published 2026-09-29, last reviewed 2026-08-16)
- Zurich vs OnePath (OneCare): life cover and TPD definitions side by side (published 2026-09-29, last reviewed 2026-08-16)
- Retail vs direct life insurance
- Types of life insurance cover in Australia
Services
We provide services Australia-wide.
- General advice on life insurance
- Explanation of product features
- Comparison of policies from our selected insurer panel
- Assistance with applications, where requested, based on general information only
We do not consider your personal objectives, financial situation or needs.
We compare products from a selected group of Australian life insurers - not the whole market.
How we are paid
Our service is free for you. If you purchase a policy, we may receive:
- Upfront commission (percentage of first-year premium)
- Ongoing commission (percentage of renewal premiums)
Commissions do not increase your premium. Commissions vary between insurers and products and may influence how products are presented. Full details are in our Financial Services Guide.
Contact
Phone 1300 597 794 · Email admin@yourchoicelife.com.au · Melbourne, VIC
Written by Sam Yakoubian, Authorised Representative 001318312 of Life Plan FP Australia Pty Ltd, AFSL 277681.
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