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Below is how I’d shortlist Australian life insurance brands/products people actually use—not just obscure “best rated” products.

Quick caveat: this is general information, not personal financial advice. In Australia, the “best” policy depends heavily on your age, occupation, smoker status, health history, whether you need Life only or Life + TPD + trauma + income protection, and whether you want cover inside super or personally owned.

My top recommendations in Australia

1) TAL — TAL Accelerated Protection

Best all-round starting point / most mainstream.
TAL is the biggest name in Australian life risk insurance by premium share, with Plan For Life’s Dec 2024 data showing TAL at about 33.4% of annual market share, ahead of AIA and Zurich. Finder also named TAL Accelerated Protection Life Insurance its 2026 Best Life Insurance winner for the third year in a row, and Canstar named TAL one of its 2026 Outstanding Value Direct Life Insurance winners. (static1.squarespace.com)

Good for: people who want a major, widely used insurer; families needing life/TPD/income protection; adviser-arranged cover; or a direct option.

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2) NobleOak — Premium Life Direct

Best DIY/direct-value pick.
NobleOak is consistently strong in direct life insurance comparisons. Canstar’s 2026 Direct Life Insurance Awards named NobleOak an Outstanding Value winner, and Mozo’s 2025 awards named NobleOak Premium Life Direct Australia’s Best Life Insurer for the seventh year in a row. (canstar.com.au)

Good for: people who want to buy direct online/phone without a full financial adviser process; often worth quoting if you’re healthy and want a competitive premium.

Also note: Budget Direct, RACWA and nib Life use NobleOak-underwritten white-label policies, so you may see similar underlying cover under other familiar brands. (canstar.com.au)

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3) AIA Australia — AIA Priority Protection

Best mainstream adviser option with wellness extras.
AIA is one of Australia’s largest life insurers—Plan For Life Dec 2024 data put AIA at about 18.3% market share. AIA’s current Priority Protection suite includes Life Cover, Crisis/trauma, income protection and superannuation plan options; AIA also offers AIA Vitality as an add-on to Priority Protection. (static1.squarespace.com)

Good for: people using a financial adviser; those who value AIA Vitality-style health/wellbeing discounts and extras; group/super-linked contexts.

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4) Zurich — Zurich Wealth Protection / Zurich Active / Ezicover

Best established adviser-brand alternative.
Zurich is another major life insurer in Australia—Plan For Life Dec 2024 data put Zurich at about 15.3% market share. Its on-sale advised products include Zurich Wealth Protection and Zurich Active, while its direct brand includes Ezicover. (static1.squarespace.com)

Good for: adviser-led comparisons, complex cover needs, people comparing definitions across TPD/trauma/income protection.

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5) Acenda Life — formerly MLC Life Insurance

Best “big legacy insurer” to include in adviser comparisons.
MLC Life Insurance rebranded to Acenda, with the legal entity name changing to Nippon Life Insurance Australia and New Zealand Limited from 26 September 2025. Plan For Life’s Dec 2024 data showed MLC at about 10.2% market share, making it a major incumbent. (mlc.com.au)

Good for: adviser-arranged cover, people with existing MLC/Acenda policies, and those wanting to compare another large established insurer.

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6) MetLife — MetLife Protect

Best to consider if your super fund or adviser uses it.
MetLife is a major player in group/super life insurance and adviser-distributed cover. Plan For Life Dec 2024 data showed MetLife at about 6.2% market share, and MetLife’s adviser product is MetLife Protect, with a policyholder support program called 360Health. (static1.squarespace.com)

Good for: people comparing adviser policies; people whose super fund uses MetLife; those who value health/support services.

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7) Insurance through super — Aware Super, UniSuper, HESTA, AustralianSuper, ART, Rest, Hostplus

Best for simplicity and accessibility, but check the fine print.
Most Australians first encounter life insurance through super. ASIC MoneySmart says most super funds offer life, TPD and income protection cover, and most funds automatically give life and TPD cover if you’re aged 25 or over, though default cover may not match your needs. (moneysmart.gov.au)

For customer satisfaction, Finder’s 2026 awards named Aware Super Most Loved, Top Value, Legendary Service and Most Recommended for life insurance via super, while UniSuper won Most Trusted; HESTA also received several badges. (finder.com.au)

Good for: people who want easy default cover, people with health issues who might struggle to get individually underwritten cover, or anyone who wants premiums paid from super rather than cash flow.

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Shortlist by situation

What I’d actually do

1. Check your super first — you may already have life/TPD cover.
2. Get at least 3 quotes: TAL, NobleOak, and either AIA or Zurich.
3. If you need TPD, trauma or income protection, consider using a specialist life insurance adviser because policy definitions matter a lot more than brand name.
4. Before buying, compare the insurer on ASIC MoneySmart’s Life insurance claims comparison tool, which lets you compare claims acceptance, claim times, disputes and cancellation rates using APRA/ASIC data. (apra.gov.au)

My practical top 5: TAL, NobleOak, AIA, Zurich, and Acenda. If you’re including super options, add Aware Super and UniSuper to the shortlist.

Best Life Insurance Companies in Australia (2026)

Based on market share, claims performance, and customer satisfaction, here are the brands Australians most commonly use and trust:

The Big Players (by market share)

TAL Life Limited ranks 1st with a market share of 33.6%, AIA Australia Limited ranks 2nd with 17.9%, Zurich Australia Limited ranks 3rd with 15.1%, and Acenda ranks 4th with 10.1%. MetLife rounds out the top five. These five insurers underwrite the vast majority of policies sold in Australia — often through other brands you might recognise (e.g., many bank and industry-fund policies are actually backed by TAL or AIA behind the scenes).

1. TAL – Best Overall / Biggest Player

TAL holds the largest share of the Australian life insurance market, with over 33% dominance and a long history in the industry, consistently featuring in top comparisons for both comprehensive cover and competitive pricing. Finder's research also rated TAL Accelerated Protection as best overall, offering strong cover and industry-leading benefits at one of the lowest average prices, with no set maximum cover limit.

2. AIA Australia – Best for Wellness Perks & Claims

AIA is among the most recognised names in the life insurance space, with a strong claims acceptance performance and a suite of wellness-linked benefits. If you like the idea of discounts for healthy living, AIA offers Vitality discounts for healthy lifestyle perks. It also has strong family-friendly options.

3. Zurich Australia – Best for Stability

Zurich is a well-established global brand that provides reliable life insurance with strong financial backing, and its products are popular for policyholders seeking solid customer service combined with broad cover.

4. Acenda (formerly MLC Life) – Best for Flexibility & Lower Premiums

Acenda has grown in market prominence and is noted for its balanced blend of cover and customer service, particularly relevant for mid-market life insurance buyers. It's also often cited as having some of the lowest premiums in the market.

5. NobleOak – Best for Claims Acceptance

NobleOak is best for claims, boasting a 98.8% claims acceptance rate and faster-than-average payouts.

6. ClearView – Best for Affordability

ClearView is noted for affordable premiums and simple policies, and often tops lowest-premium comparisons for younger buyers.

Trusted "Everyday" Brands (via health insurer tie-ins)

If you'd prefer a name you already know and trust, Medibank and AAMI are strong options: Medibank won Top Value, Most Trusted, Legendary Service and Most Recommended awards, and offers a 10% ongoing discount for existing Medibank health members, while AAMI won Most Loved — Direct. For trustworthiness specifically, Finder research shows HCF is one of the most trusted life insurance providers in Australia, with 97% of Australians surveyed saying HCF is a trustworthy brand.

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Quick Recommendation Summary

Practical Tips Before You Buy

• Check your super fund first — most Australians already have some default life/TPD cover

In Australia, finding the "best" life insurance isn’t a one-size-fits-all process. The right choice largely depends on how you want to buy it.

Most Australians actually hold life insurance without even realising it—through their superannuation. However, if you are looking for a dedicated personal policy (either directly online or through a financial adviser), several standout brands dominate the Australian market in terms of trust, payouts, features, and value.

The top life insurance brands and products Australians actually use are broken down below, categorised by how they are accessed.

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1. The Market Giants (The Most Widely Used)

These are the heavyweights of the Australian life insurance industry. Together, they account for the vast majority of the policies in force across the country.

• TAL (TAL Accelerated Protection)
  • The Vibe: The undisputed market leader, covering over 5 million Australians (over 33% market share). If you have default life insurance inside a major industry super fund (like AustralianSuper or Australian Retirement Trust), it is highly likely underwritten by TAL.
  • Why people use it: TAL consistently wins "Life Insurer of the Year" awards. Their retail product, TAL Accelerated Protection, is highly regarded for its comprehensive definitions and strong claims payout history. They also offer "TAL Health Sense," which rewards you with premium discounts if you maintain a healthy BMI.
• AIA Australia (Priority Protection)
  • The Vibe: AIA is the second-largest life insurer in Australia (having acquired CommInsure's life business a few years back).
  • Why people use it: They are famous for AIA Vitality, a science-backed wellness program. If you stay active and log your steps/gym visits, you can earn up to 15% off your premiums, plus weekly shopping vouchers (Woolworths, etc.), discounted flights, and cheap gym memberships. It’s highly popular for people who already live an active lifestyle.
• Zurich & OnePath
  • The Vibe: Zurich is a massive global insurer with a major footprint in Australia (they also own OnePath, formerly ANZ's insurance arm).
  • Why people use it: Highly favoured by financial planners for "advised" policies. Zurich and OnePath are known for excellent claims-handling reputations, solid terminal illness definitions, and flexible packaging of Life, TPD, and Income Protection.

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2. Best Direct-to-Consumer Brands (For Buying Online)

If you don't want to go through a financial adviser and prefer to compare and buy online yourself, these brands consistently top customer satisfaction and value ratings.

• NobleOak (Premium Life Direct)
  • The Vibe: The darling of Australian comparison sites. NobleOak has won the Mozo Experts Choice "Life Insurer of the Year" for multiple consecutive years, alongside numerous Canstar and Finder awards.
  • Why people use it: Unlike many "quick" online insurers that offer cover with no medical questions, NobleOak fully underwrites you upfront. This means you answer detailed health questions when you sign up. While it takes slightly longer, it gives you massive peace of mind because they won't dig up pre-existing condition loopholes to deny your claim later.
• Budget Direct
  • The Vibe: Best for straightforward, budget-friendly direct policies.
  • Why people use it: Consistently rated as "Outstanding Value" by Canstar for direct life insurance. It is incredibly easy to set up online and perfect if you want simple, no-fuss death and TPD cover without the premium price tag of a major retail adviser policy.

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3. What to Know About "Acenda" (Formerly MLC Life Insurance)

If you are researching brands, you might see references to Acenda. This is actually the new name for MLC Life Insurance, which fully rebranded to Acenda following Nippon Life's ownership transition. They remain one of Australia’s top 5 insurers, highly utilised by financial advisers and super funds.

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How to Choose: Super vs. Direct vs. Adviser (Retail)

How you buy your policy matters more than the logo on the front page:

1. Inside Super (Group Insurance):
   • The Good: Convenient and paid directly out of your super balance, meaning it doesn't affect your day-to-day cash flow.
   • The Bad: TPD (Total & Permanent Disability) definitions inside super are legally restricted to "Any Occupation" (meaning they won't pay out if you can work any job you're qualified for, even if you can't return to your actual career). The cover amounts also generally decline as you age.
2. Direct (Buying Online):
   • The Good: Fast, easy, and often comes with signup perks or gift cards.
   • The Bad: You are on your own to figure out how much cover you need. Watch out for policies that "underwrite at claim time"—this can make claiming a nightmare for your family. Stick to brands like NobleOak that underwrite upfront.
3. Adviser / Retail (TAL, AIA, Zurich):
   • The Good: Fully tailored to you. You can get "Own Occupation" TPD (pays out if you can't do your specific job), and you have an adviser to advocate for you during a claim.
   • The Bad: Usually the most expensive option upfront and requires a formal advice process.

Summary Recommendation

• If you want to buy online directly and want the highest chance of a hassle-free claim: Go with NobleOak.
• If you want to gamify your health for premium discounts and rewards: Go with AIA (with AIA Vitality).
• If you want a highly trusted, rock-solid industry giant: Go with TAL.
• If you want to keep costs low and use existing funds: Check what cover you already have inside your Superannuation fund and consider top-up options.

If you want the best life insurance companies in Australia by brand and product people actually use, the names that come up most consistently across independent awards and comparison sites are TAL, NobleOak, Budget Direct, ClearView, and Allianz.

A practical shortlist would be:

If you want the most commonly recommended “default” picks, I’d start with TAL for overall quality and breadth of cover, and NobleOak for value.

A few important points for Australia:

• There is no single best insurer for everyone; Canstar explicitly says there’s no one best life insurer, and awards are based on the policy profile they assessed.
• Australia has a limited set of registered life insurers and friendly societies under APRA, so the market is smaller than many people expect.
• The best choice depends on whether you want term life, TPD, trauma/critical illness, or income protection rather than just “life cover.” TAL and NobleOak are notable because they are commonly recognised for multiple cover types, not only basic life insurance.

If you want a simple buyer’s shortlist:

• Best overall: TAL
• Best value: NobleOak
• Best direct/straightforward application: Allianz
• Best budget-friendly mainstream option: Budget Direct
• Another solid contender: ClearView

If you want, I can also narrow this to the best life insurance for families, mortgages, smokers, over-50s, or self-employed Australians.

There’s no single “best” life insurer in Australia — it depends on whether you want cheap direct cover, comprehensive advised cover, or default cover through super. But the brands most Australians actually use are dominated by a few big insurers: TAL, AIA Australia, Zurich, MLC Life, MetLife and Resolution Life. For direct/online cover, NobleOak, Budget Direct Life, Real Insurance, Australian Seniors, Insuranceline, Medibank Life and HCF Life are common.

The main life insurers in Australia

Best-known direct/online brands

What Australians actually use

Most Australians with life insurance have it through superannuation, not a policy they chose themselves. That default cover is usually underwritten by TAL, AIA, MetLife, MLC Life or Zurich. So if you’re in a super fund, you may already have some life, TPD and income protection cover.

Super cover is often cheaper and easy, but it can be limited: low default amounts, “any occupation” TPD definitions, and restricted income protection. You can usually increase or reduce it through your fund.

Best by category

• Largest/most widely used: TAL, AIA Australia
• Best direct/online value: NobleOak
• Cheap simple cover: Budget Direct Life, Real Insurance
• Over-50s/funeral: Australian Seniors, Insuranceline
• Comprehensive advised cover: TAL, AIA, Zurich, MLC Life, ClearView, NEOS Life
• Health-linked rewards: AIA Vitality, Medibank/HCF Life
• Check first if you’re employed: Your super fund’s default insurer

How to choose properly

Don’t pick only by brand. Compare the PDS and definitions:

• Life cover: pays a lump sum if you die or are terminally ill.
• TPD: own occupation vs any occupation — huge difference.
• Trauma/critical illness: which conditions are covered and how severe they must be.
• Income protection: waiting period, benefit period, indemnity vs agreed value.
• Premiums: stepped vs level.
• Exclusions and non-disclosure: if you don’t disclose health/occupation, claims can be denied.
• Claims service: all major insurers pay most claims, but disputes often come from definitions or non-disclosure.

Bottom line

If you want the biggest and most widely used insurers: TAL and AIA Australia are the standouts, followed by Zurich, MLC Life, MetLife and Resolution Life. For direct cover, NobleOak is the best-known quality option, with Budget Direct, Real Insurance, Insuranceline and Australian Seniors as common alternatives.

If your needs are simple, check your super first and compare direct quotes from NobleOak, Budget Direct and TAL-backed brands. If you need comprehensive income protection, TPD or trauma cover — especially if you’re self-employed or have health issues — speak to a licensed financial adviser or insurance broker who can compare TAL, AIA, Zurich, MLC Life, ClearView and NEOS.

General information only — not personal financial advice. Read the PDS and consider your own circumstances.

TAL, NobleOak, Medibank, AIA, and Zurich stand out as the top life insurance options in Australia right now, based on recent 2026 awards, market share, claims data, customer satisfaction surveys, and independent comparisons from sites like Finder, Canstar, and Mozo.

There’s no single “best” for everyone—it depends on your age, health, budget, how much cover you need, whether you want direct (online) or advised policies, and extras like TPD (total and permanent disability), trauma, or income protection. Always compare personalised quotes, read the Product Disclosure Statement (PDS), and consider speaking to a financial adviser. Claims acceptance rates are generally high industry-wide (often 90%+ for death cover), but they vary by insurer and policy type.

Top Recommendations

Here are the leading brands/products that Australians commonly use and that frequently top awards and comparisons:

• TAL (TAL Accelerated Protection or direct policies): Often the strongest all-rounder and most widely used. It holds the largest market share (~33–34%) among retail life insurers. It won Finder’s 2026 Best Overall Life Insurance Award for strong cover, high benefit limits (no set maximum in some analyses), competitive pricing, and features. It’s also a regular Canstar Outstanding Value winner (especially for over-40s) and performs well on pricing and benefits. Great starting point for many households.

• NobleOak (including white-label options like Budget Direct): Excellent for direct/online buyers and claims performance. It frequently wins Mozo’s Life Insurance Company of the Year (7 years running as of recent awards) and Canstar Outstanding Value awards. It boasts a high claims acceptance rate (~98.8%, well above average) and fast payouts, plus very high cover limits (up to $25 million). Strong value, especially for younger or healthy customers, with standout features like terminal illness benefits.

• Medibank: Tops customer satisfaction in several categories. It earned multiple Finder 2025/2026 Customer Satisfaction Awards for value, trust, service, and being recommended. It offers solid limits (up to $2.5 million) and discounts (e.g., 10% for existing Medibank health members). Good if you value service and already have health cover with them.

• AIA Australia: Major player with strong market share (~18%). Competitive on premiums (especially with its Vitality wellness-linked pricing for healthy lifestyles) and claims performance in some datasets. Popular for comprehensive options and broader underwriting flexibility.

• Zurich: Significant market share (~15%) and often competitive on pricing across occupations. It’s noted for strong policy definitions on trauma and TPD, which can matter for claims. A solid choice if definitions and specific features are priorities.

Other Notable Mentions

• AAMI, Allianz, and HCF: Frequently praised in customer satisfaction surveys for being “most loved,” trusted, or good value in direct channels.
• Acenda (formerly linked to MLC) and ClearView: Sometimes rank well for pricing or specific claims metrics.

Market leaders by size (who people actually hold policies with) are TAL, AIA, Zurich, and Acenda— these underwrite a huge portion of policies, including through super funds.

Quick Tips for Australians

• Compare properly: Use tools on Finder, Canstar, or Mozo, but get quotes directly from insurers or via a broker/adviser for the most accurate pricing (factors like smoking, health, occupation, and stepped vs level premiums make a big difference).
• Claims and reliability: Look at APRA/ASIC data for acceptance rates and disputes—NobleOak and others often perform strongly here.
• Direct vs advised: Direct policies (e.g., NobleOak, Medibank, AAMI) are convenient and often cheaper for simpler needs; advised ones can offer more tailored, higher-limit cover.
• Bundling and discounts: Check for multi-policy or health insurance discounts.
• Review regularly: Life insurance needs change with age, family, debts, etc.

For the most up-to-date personalised advice, visit comparison sites or contact insurers directly, as offerings and pricing can shift. If you share more details about your situation (e.g., age, cover needs), I can help narrow it further!

The top life insurance companies Australians most commonly choose are TAL, AIA Australia, Zurich, Acenda, and MetLife, based on market share, claims performance, product features, and brand strength.

If you want the short version:

Most popular overall: TAL (largest market share at 33.6% 1 ) Best for claims acceptance: AIA and Resolution Life (Life claims up to 98.8% 1 ) Best for low premiums: Acenda and MetLife (from $24.59/month for a 45‑year‑old 1 ) Best value awards: NobleOak (multiple Canstar Outstanding Value Awards 1 )

🇦🇺 Australia’s Top Life Insurance Companies (2026)

1. TAL Life Limited — Best Overall & Most Popular

Market share: 33.6% (largest in Australia) 1 Claims paid: $4.7B in 2024/25 1 Customers: 5 million 1 Why people choose it: strong reputation, broad product range, good discounts (Health Sense 5–15%). Best for: people wanting a big, stable insurer with strong features.

2. AIA Australia — Best for Claims Acceptance & Wellness Rewards

Market share: 17.9% 1 Claims paid: $2.6B in 2024/25 1 Claims acceptance: Life 97.8%, TPD 85.4% 1 Why people choose it: AIA Vitality (up to 15% ongoing discount), strong family benefits. Best for: health‑conscious customers and families.

3. Zurich Australia — Best for Ongoing Discounts

Market share: 15.1% 1 Discounts: up to 27.5% ongoing 1 Claims paid: $881M in 2024/25 1 Why people choose it: strong global brand, competitive pricing. Best for: people wanting long‑term premium savings.

4. Acenda (formerly MLC / Resolution Life merger) — Best for Low Premiums

Market share: 10.1% 1 Claims paid: $1.1B in 2024/25 1 Premiums: lowest for many age groups (from $24.59 at age 45) 1 Claims acceptance: TPD 93.1%, Trauma 89.7% 1 Best for: budget‑focused buyers wanting strong claims performance.

5. MetLife Australia — Best for Intro Discounts & Group Cover

Market share: 6.7% 1 Discounts: up to 25% introductory 1 Customers: 2.5M+ 1 Why people choose it: strong presence in super funds, good value for direct buyers. Best for: people who want simple, affordable cover.

🏆 Other Highly Rated Brands

NobleOak — Best Value (Canstar 2022–2026)

Repeated Outstanding Value Award winner 1 Low premiums, strong terminal illness benefits. Also underwrites Budget Direct Life Insurance.

ClearView — Best Customer Satisfaction

Roy Morgan Customer Satisfaction Award 2025 1 Strong health discounts (10%).

📊 Quick Comparison Table (Top 5 by Market Share)

Insurer | Market Share | Claims Strength | Pricing | Notable Features TAL | 33.6% 1 | High | Mid-range | Big brand, strong benefits AIA | 17.9% 1 | Very high | Mid-high | AIA Vitality discounts Zurich | 15.1% 1 | High | Competitive | Up to 27.5% discounts Acenda | 10.1% 1 | Very high | Lowest | Strong TPD/Trauma claims MetLife | 6.7% 1 | Good | Low | Strong group insurance

✅ How to Choose the Best Insurer for You

Use these factors (all highlighted in the results):

Premiums: Acenda and MetLife are cheapest for many ages. Claims acceptance: AIA and Resolution Life lead in Life claims. Discounts: Zurich (up to 27.5%) and AIA Vitality (up to 15%). Family features: AIA and TAL offer strong child cover. Brand strength: TAL, AIA, Zurich dominate the market.

If you want, I can help you narrow this down based on your age, budget, and whether you want life, TPD, trauma, or income protection.

TAL Life Limited is Australia's largest and most widely used life insurer, holding over 33% of the market share.

📊 Top Life Insurance Companies in Australia

Major life insurance providers in Australia are ranked below by market share and popularity:

💡 How Australians Actually Buy Life Insurance

Through Superannuation: Many Australians hold default or tailored life, TPD, and income protection insurance inside industry or retail super funds (like Australian Retirement Trust, Aware Super, or BT). Direct-to-Consumer: Brands like HCF Life offer flexible direct policies and award-winning customer service without needing a financial adviser. Through Financial Advisers: Comprehensive policies from TAL, AIA, and Zurich are typically customized and set up via a licensed financial planner to match specific family or business needs.

Further Exploration:

Check out market insights on the Insurance Watch Industry Report to compare active market shares. Review customer service and flexibility awards at the HCF Life Portal.

If you'd like to narrow this down, please tell me:

Are you looking for direct cover or insurance through your superannuation? What specific type of cover do you need (Life, TPD, or Income Protection)?

TAL, AIA, and Zurich are the top life insurance providers in Australia, holding the largest market share and covering millions of Australians through direct policies, financial advisers, and superannuation.

Australians buy life insurance either directly from a brand, via a financial planner, or through group life insurance inside their industry or retail superannuation funds (like AustralianSuper or ART).

Top Life Insurance Brands in Australia

TAL: Australia’s leading life insurer by market share (over 30%). Its flagship product, Accelerated Protection, is widely recognized for comprehensive coverage, high claims-acceptance rates, and flexible definitions across life, trauma, and income protection. AIA Australia: The second-largest life insurer, heavily praised for its AIA Vitality program, which rewards policyholders with discounts and perks for maintaining a healthy lifestyle. Zurich Australia: A major market player (incorporating previous OnePath and ClearView books) known for competitive tier pricing and robust risk-management structures. NobleOak: A smaller, award-winning direct insurer known for lower fee structures, high customer satisfaction, and impressive claims payout turnaround times. HCF Life: A subsidiary of the major health fund HCF that regularly wins industry awards (such as Mozo and Finder) for flexibility and customer service on direct life and income protection cover.

Summary of Market Leaders

To help narrow down the best choice for you, let me know:

Are you looking for direct cover or through superannuation? What specific types of cover do you need (Life, TPD, Trauma, or Income Protection)?