Compare Life Insurance Quotes from Top Australian Insurers
Real-time quotes for Life, TPD, Income Protection & Critical Illness.
More than a comparison - one place to choose, apply, and get ongoing support.
- ✔ Choose between top Australian insurers
- ✔ Apply online or with our help
- ✔ At least 50% commission returned
Compare & Apply for the Best Life Insurance Policy
Not sure which Life Insurance, TPD, or Income Protection policy is right for you? Our expert-rated comparison tool helps you find the best cover at the lowest cost.
Side-by-Side Comparisons
See real-time policy quotes and expert ratings.
Transparent Pricing
Know exactly what you're paying—no hidden fees.
Apply & Save
Complete your application in minutes and lock in your rebate.
Real Australians Saving on Life Insurance
At Keep Insurance Co, we help Australians find affordable life insurance without compromising on coverage. With our 50% commission rebate, you pay less for the same cover.
📢 What Our Customers Say
"It wasn't until I signed up with Keep and transferred my policies—with no changes to cover and no underwriting—that I found out I could save 20% on my premium. It's allowed me to keep my life cover for longer than I would have otherwise, and I feel great about that security for my family."
— Greg, Sydney
🏆 Award-Winning Innovation in Life Insurance
We’ve been shortlisted for several industry awards, recognizing our commitment to innovation and customer savings.
✅ Tweed Business Awards
✅ Women in Finance Awards
What Type of Life Insurance Cover Can You Compare?
Life Cover (Death Benefit)
Provides a lump sum payout to your beneficiaries if you pass away, ensuring financial security for your loved ones.
Total & Permanent Disability (TPD)
Pays out if you suffer a permanent disability that prevents you from working, covering medical expenses, home modifications, and daily costs.
Income Protection Insurance
Replaces up to 70% of your income if you're unable to work due to illness or injury, helping you cover living expenses while you recover.
Trauma Insurance
Pays a lump sum benefit if you're diagnosed with a serious illness like cancer, heart attack, or stroke, providing financial support when you need it most.
💡 Not sure how much cover you need? Our Life Insurance Coverage Calculator helps you tailor the right level of protection based on your financial situation.
🔍 Calculate Your Cover Now →How Much Can You Save on Life Insurance?
Our minimum 50% commission rebate reduces your life insurance premiums, helping you keep cover for longer while saving money.
Instant rebate estimates - See how much you'll save right away.
Compare premium costs - View side-by-side quotes with and without rebates.
See long-term savings - Understand how much you could save over the life of your policy.
Learn more
Want to understand your options in more detail?
The sections below explain how life insurance is priced and how to choose the right cover. Helpful if you want deeper context - not required to get a quote.
How to Choose the Right Life Insurance Policy
Choosing the best life insurance policy for you can feel overwhelming, but breaking it down into three simple steps makes it easier. Whether you need Life Cover, TPD, Income Protection, or Trauma Insurance, here's how to find the right policy for your needs.
Identify Your Coverage Needs
- Who relies on you financially? (Spouse, children, mortgage repayments)
- What expenses need covering? (Living costs, debts, education)
- How long will they need financial support?
Compare Life Insurance in Australia
- ✔️ Premium Affordability - Fits your budget now & in the future.
- ✔️ Policy Inclusions & Exclusions - Check the Product Disclosure Statement (PDS).
- ✔️ Waiting & Benefit Periods - Especially important for Income Protection.
- ✔️ Reputation of the Insurer - Choose a provider with a strong history of claim payouts.
Understand Your Premiums & Rebates
Most life insurance policies include commissions, increasing your premium. We give back at least 50% of the commission to reduce your policy costs— something most competitors don't offer. Thats at least 12.5% of every premium payment!
📖 Learn How to Compare Policies →
Why Life Insurance Premiums Vary
Not all life insurance quotes are the same. Understanding why premiums differ helps you find the best-value policy and avoid overpaying.
Age & Health History
- ✔️ Younger applicants generally pay lower premiums.
- ✔️ Pre-existing medical conditions can increase costs.
- ✔️ Smoking & high-risk activities (e.g., skydiving) raise premiums.
💡 Lock in lower rates while you're young!
📖 Learn More About Underwriting →How You Set Up Your Cover
Linked vs. Standalone Covers impact costs. A linked cover reduces benefits on your primary cover if you make a claim.
✔️ Example:
$500,000 Life Cover + Linked TPD Cover ($500,000). If you claim $200,000 for TPD, your Life Cover reduces to $300,000.
Life Insurance Premium Types
- ✔️ Stepped Premiums - Recalculated annually based on your age. Lower initially but increase over time.
- ✔️ Level Premiums - Remain broadly constant throughout the policy's lifetime. These are higher upfront but provide cost certainty.
💡 Prefer long-term affordability? Consider Level Premiums.
📖 Read Our Guide on Premium Structures →Other Factors Affecting Premiums
- ✔️ Higher coverage amounts → Higher premiums.
- ✔️ Shorter waiting periods (for Income Protection) → Higher costs.
- ✔️ Longer benefit periods → Can increase costs.
💡 Save more with our 50% commission rebate – reducing your ongoing premiums!
🚀 Compare, Quote & Apply Online →Why Pay More for the Same Life Insurance?
Our life insurance comparison tool helps you find the best policy for your needs while passing back at least 50% of commissions—meaning lower premiums for the same cover.
1. Compare Quotes in Seconds - See real-time Life, TPD, Income Protection & Trauma Cover quotes.
2. Pay Lower Premiums - 50% commission rebate means less cost, same cover.
3. Expert-Rated Policies - Our tool provides independent expert analysis of insurers.
4. Apply with Confidence - Trusted by Australians looking for affordable, high-quality life insurance options.
5. Apply 100% Online or With Help - You're in control. Start your application instantly, or get support from a licensed adviser.
❓ Need Help Applying?
Chat with us or request support from a real person. No pressure, no obligation.
📅 Book a Call Now →💡 Frequently Asked Questions
🚀 Start Comparing & Save More on Life Insurance Today!
Don't overpay for life insurance—get the same cover for less with our expert-rated comparison tool and 50% commission rebate.
🔍 Compare Life Insurance & Get a Quote →