🧠 How Keep Life Insurance Works
Smarter insurance. Simpler process. Cash back in your pocket.
At Keep, we make it easier (and smarter) to manage your life insurance — whether you're starting fresh or already covered. Plus, we give you back at least 50% of adviser commissions, so you pay less over time.
🎯 1. Choose the Best Path for Your Life Insurance
Whether you're transferring an existing life insurance policy or applying for new cover, Keep gives you flexibility, transparency, and value from day one.
🛡 I already have life insurance
- ✅ Keep your current life insurance cover
- ✅ Start receiving commission refunds
- ✅ Three easy steps — then we handle the transfer
✨ I need new cover
- ✅ Guided needs assessment tailored to your situation
- ✅ Compare life insurance policies side by side
- ✅ Cashback commission refund built into your quote
💬 Need help? We're here when you need us — get phone support, or request connection to a licensed adviser at any time.
📅 Book a Call💸 Get Cash Back on Life Insurance Adviser Commissions
Use our Commission Calculator
Most life insurers build a commission into your premium — traditionally paid to a financial adviser. At Keep, we refund that to you.
- 💰 Find out how much you could get back
- 📉 Lower your ongoing insurance costs
- 🚀 Get your savings estimate in seconds
We collect the commission and return at least 50% to you (minus a low flat fee), year after year.
🧰 3. Control Your Cover, We Handle the Admin
Keep puts you in the driver's seat with a secure Member Dashboard to manage everything in one place.
- ✅ Check or update your life insurance cover
- ✅ Compare new options anytime
- ✅ Get help with claims or policy support
- ✅ Get reminders, alerts, and updates
We automate the boring bits — no more chasing paperwork or calling insurers.
🧘 Support That Fits You — Online, Human, or Adviser Access
💻 100% Online
Apply or transfer your life insurance online, anytime. No pressure, no paperwork.
🧠 Adviser Access (Optional)
Prefer to speak with a licensed life insurance adviser in Australia? We'll connect you.
🎬 How Keep Works – Quick Overview
Step 1: How much do I need?
Takes 5 minutes.
Do you know how much insurance you need?
If you do, go straight to step 2, our quote tool. If not, use our cover calculator. We'll guide you through some general considerations and then you can tailor the results to your needs.
Step 2: What will it cost?
Takes 5 minutes.
Use our quote tool to get prices and compare features from all our high-quality Life insurance providers.
You don't have to share any personal information. However, signing in allows you to save your quote for later.
Step 3: Apply for Cover
Takes 5-6 minutes.
Once you've selected your preferred product, we can get the application started.
We need to tick a few legal boxes to get the ball rolling with the insurance company. We will also collect your contact details here so the life company can get in touch with you.
Step 4: Underwriting
Takes a few days or weeks.
The life insurance company will contact you for any additional information they need (such as medical history, etc).
You can deal directly with the insurer for this part, but we are able to provide more support if you need it!
Success! You are Insured
After underwriting is completed.
After the life insurance company has considered all the information for your application, they will either accept your application or notify you that they won't cover you.