Maximising Savings on Life Insurance in 2026
1 Jan 2026 • Keep Insurance
Learn how to save on life insurance premiums in 2026 with Keep's commission-sharing model.
Discover How to Save on Life Insurance in 2026
In 2026, finding the right life insurance in Australia can be a daunting task, especially with the sheer number of options and different pricing structures available. Whether you're comparing policies, understanding how life insurance works, or trying to get the best deal, you'll want to make sure you're getting maximum value for your investment. That's where Keep Insurance Co comes in.
Keep offers a unique approach to life insurance in Australia that not only helps you find the right coverage but also lets you maximise your savings. Here's how you can take advantage of Keep's innovative approach to life insurance in 2026.
How Does Life Insurance Work?
Life Cover
In Australia, term life insurance—often simply known as life cover—provides a lump sum payment to your beneficiaries if you pass away or, in some cases, if you're diagnosed with a terminal illness.
Other Cover
Keep also provides total and permanent disability, which covers you in the event of a permanent disability that prevents you from working, and income protection—covering you if illness or injury prevents you from working—giving you peace of mind that your financial obligations will be met even in difficult times
Keep's Commission Sharing Model: How We Help You Save
At Keep, we don't just offer life insurance; we offer affordable life insurance. Our standout feature is our commission-sharing model, where we return at least 50% and up to 100% of the commission on your policy directly to you. This can make a significant difference to the cost of your premiums, ensuring you get maximum savings on your policy.
How It Works
When you buy life insurance from Keep, a portion of the premium goes to the insurance provider, and part of it is paid as a commission to us, your broker. Unlike most brokers, Keep shares that commission with you, giving back a minimum of 50% (and up to 100%), helping you lower your out-of-pocket costs.
This means you'll pay less for the same term life insurance compared to traditional models where brokers keep the full commission. This makes Keep an ideal choice for those comparing life insurance in Australia and looking for both competitive pricing and excellent coverage.
Save with Keep InsuranceLost Your Adviser?
If you already have an existing policy but no longer have an active adviser, Keep can help. We offer a service where we take on those policies and return a large part the commission that is still included in the premium. So, not only will you still get the same life and income insurance protection, but you'll also start receiving part of that commission back, directly into your pocket.
This is a game-changer for policyholders who want to keep their current coverage but are looking for better value and savings. See our testimonials for clients who are saving thousands each year
Transfer a PolicyCompare Life Insurance Policies in Australia:
Why Keep Stands Out
When you compare life insurance in Australia, it's easy to get overwhelmed by the many options available. Superannuation funds often offer life cover, like Australian Super Life Insurance. They generally have competitive rates, but their default cover level is often very low, meaning you might not have enough coverage to meet your family's needs. While life insurance in Super is ideal for some, Keep offers more tailored term life insurance solutions with higher coverage amounts.
Some providers specialise, such as senior life insurance providers. Keep provides life insurance to people well into their later years, with limitations based on each insurance company's offer.
This flexibility ensures that whether you're just starting a family, growing your career, or planning for retirement, you'll find the right policy with Keep. Plus, with our commission-sharing model, you'll be saving money at every stage.
Making Life Insurance Work for You
When you're comparing Australian life insurance options, Keep provides a modern, customer-first approach that helps you save on your premiums while still securing top-notch coverage. Whether you're buying a new policy, reviewing your existing one, or have lost your adviser, we'll ensure you maximise your savings and get the coverage you need.
Maximise Your Savings
With Keep's commission-sharing model, you'll get back at least 50%, and up to 100%, of the commission on your premiums.
Maintain Your Existing Policy
Lost your adviser? Keep can take over your policy, return a large component of the commission, and help you continue saving.
Tailored for Every Life Stage
From protecting young families to offering coverage options for those in their later years, Keep's life insurance options are flexible enough to meet your needs.
Start Saving with Keep Insurance
Ready to find the perfect life insurance solution in 2026? With Keep, you can start saving on your premiums right away. Our quote tool makes it easy to compare policies and see exactly how much you'll save with our commission-sharing model. Plus, if you have any questions about how life insurance works, our team is here to help guide you through the process.
With Keep Insurance Co, securing the right life insurance at an affordable price has never been easier. Get started today and see how much you can save!
Get Your Life Insurance Quote