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Term life, TPD, and income protection

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Showing 7 of 7 policies
🌿NobleOakStandard

Premium Term Life

$29/mo

$319/yr

★★★★★4.55,200 reviews4/8 features
✓Death benefit
✓Terminal illness
✗TPD (total & permanent disability)
✗Trauma/critical illness
✗Income protection
✗Child cover
•Consistently among Australia's best-value term life
•Multi-award winner
•Level premiums lock in early-age rates
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Indicative price for non-smoking 35-year-old, $500k stepped cover. NobleOak direct — no adviser commission included.

🔵TALStandard

Term Life Cover

$38/mo

$418/yr

★★★★☆4.418,200 reviews4/8 features
✓Death benefit
✓Terminal illness
✗TPD (total & permanent disability)
✗Trauma/critical illness
✗Income protection
✗Child cover
•Australia's largest life insurer
•Cover from $100k to $1.5M
•Level and stepped premium options
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Indicative price for non-smoking 35-year-old, $500,000 stepped term cover. Actual premium depends on age, health, and occupation.

🔴AIAComprehensive

Income Protection

$72/mo

$792/yr

★★★★☆4.39,500 reviews3/8 features
✗Death benefit
✗Terminal illness
✗TPD (total & permanent disability)
✗Trauma/critical illness
✓Income protection
✗Child cover
•Up to 70% of income replaced
•Benefit periods up to age 65
•Short waiting periods available (14 days)
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Indicative price for 35-year-old white-collar worker earning $80,000. IP premiums are generally tax-deductible.

🔶ZurichComprehensive

Wealth Protection (Life + TPD + Trauma)

$118/mo

$1,298/yr

★★★★☆4.26,100 reviews7/8 features
✓Death benefit
✓Terminal illness
✓TPD (total & permanent disability)
✓Trauma/critical illness
✗Income protection
✓Child cover
•Bundled life, TPD, and trauma cover
•Child trauma benefit included
•Worldwide cover 24/7
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Indicative price for non-smoking 35-year-old, $500k life + TPD + $200k trauma. Actual premiums vary significantly by health profile.

🔵MLC Life InsuranceComprehensive

Insurance Plan (Life + TPD)

$105/mo

$1,155/yr

★★★★☆4.27,400 reviews6/8 features
✓Death benefit
✓Terminal illness
✓TPD (total & permanent disability)
✗Trauma/critical illness
✗Income protection
✓Child cover
•MLC is one of Australia's longest-running insurers
•Own-occupation TPD definition
•Bundled life + TPD discounts
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Indicative price for non-smoking 35-year-old, $500k life + $500k TPD. Own-occupation TPD for professional categories only.

⚪ClearViewBasic

ClearChoice Term Life

$25/mo

$275/yr

★★★★☆4.03,200 reviews2/8 features
✓Death benefit
✓Terminal illness
✗TPD (total & permanent disability)
✗Trauma/critical illness
✗Income protection
✗Child cover
•Simple and affordable term cover
•Apply online in under 10 minutes
•Cover from $100k to $750k
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Indicative price for non-smoking 30-year-old, $250k stepped cover. Underwriting at application.

🔴Real InsuranceBasic

Life Insurance

$21/mo

$231/yr

★★★★☆3.94,800 reviews2/8 features
✓Death benefit
✓Terminal illness
✗TPD (total & permanent disability)
✗Trauma/critical illness
✗Income protection
✗Child cover
•No medical exam for cover up to $1M
•Apply by phone or online in minutes
•Acceptance guaranteed for eligible applicants
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Indicative price for non-smoking 35-year-old, $250k cover. Real Insurance is underwritten by Hannover Life Re.

Disclaimer: The policies shown are a sample of the market and do not represent all available products. Prices are indicative based on sample inputs — your actual premium depends on your specific circumstances. Honest Insurance may receive referral fees from insurers. Not financial advice. Read the PDS before purchasing.