Trusted comparisons from leading Australian insurers.

- Claims Paid (2023): $607 million
- Acceptance Rate: 97.4%
NEOS is a modern Australian life insurance provider focused on simplifying cover and delivering excellent service. Established in 2018, NEOS works with top insurers and underwriters to offer fast applications, simple claims, and personal service — all built for today’s customer expectations.
Product Range
Life Insurance:
A lump sum for your family if you pass away or are terminally ill.
Income Protection
Replaces income if you can’t work due to illness or injury.
TPD
Provides financial stability if you are permanently unable to work.
Trauma Cover:
Assists with costs from a serious medical condition.
Additional Benefits
NEOS is known for rapid underwriting, high-quality support, and strong adviser partnerships. Claims processes are among the most efficient in the industry.
Why Choose Neos
For those seeking a new, streamlined experience with personal support and excellent outcomes, NEOS delivers a standout modern insurance experience.

- Claims Paid (2023): $135 million
- Acceptance Rate: 95.1%
OnePath is a well-recognised life insurer in Australia, with a legacy that dates back to 1878 through its origins in Mercantile Mutual. Now operating under Zurich, OnePath continues to serve Australians with flexible cover options and digital-friendly claims processes.
Product Range
Life Insurance:
Helps support your family with a lump sum payment in the event of death or terminal illness.
Income Protection
Monthly benefits if you’re unable to earn due to health issues.
TPD:
Lump sum payment if you're permanently disabled.
Business Expenses Insurance:
Helps business owners maintain operations if illness or injury stops them from working.
Additional Benefits
ClearView offers flexible waiting periods and built-in benefits like accommodation reimbursements and grief support.
Why Choose ClearView
With a clear and customisable approach, ClearView is a great option for people seeking straightforward policies and strong service.

- Claims Paid (2023): $705 million
- Acceptance Rate: 94.1%
OnePath is a well-recognised life insurer in Australia, with a legacy that dates back to 1878 through its origins in Mercantile Mutual. Now operating under Zurich, OnePath continues to serve Australians with flexible cover options and digital-friendly claims processes.
Product Range
Life Insurance:
Provides financial security if you pass away or are diagnosed with a terminal illness.
Income Protection
Offers regular payments during periods of injury or illness.
Trauma Cover:
Pays a benefit if you suffer a major medical event.
Child Cover:
Optional add-on for protecting children from serious conditions.
Additional Benefits
Backed by Zurich, OnePath policies offer a strong balance of innovation, support services, and affordability.
Why Choose OnePath
OnePath provides deep expertise with digital ease, helping individuals and families access quality life cover with minimal complexity.

- Claims Paid (2023): $830 million
- Acceptance Rate: 94.1%
AIA Australia is one of the country’s largest insurers and part of the global AIA Group. It offers a broad range of insurance solutions with a focus on health, prevention, and long-term wellbeing. AIA is known for integrating its cover with the AIA Vitality program, which rewards healthy living.
Product Range
Life Insurance:
Offers financial protection for your family if you pass away or are terminally ill.
Income Protection
Supports your income if a health issue keeps you out of work.
TPD
Pays a lump sum if you become permanently disabled.
Trauma Cover:
Helps manage recovery after a critical illness.
Additional Benefits
Zurich offers flexible policy structures and optional features such as childcare support and grief counselling services.
Why Choose Zurich
With global scale and local service, Zurich delivers trusted protection with a focus on flexibility and claims reliability.

- Claims Paid (2023): Over $2.3 billion
- Acceptance Rate: 95.6%
AIA Australia is one of the country’s largest insurers and part of the global AIA Group. It offers a broad range of insurance solutions with a focus on health, prevention, and long-term wellbeing. AIA is known for integrating its cover with the AIA Vitality program, which rewards healthy living.
Product Range
Life Insurance:
A lump sum payment if you pass away or are diagnosed with a terminal illness.
Income Protection
Helps cover living expenses if illness or injury stops you from working.
Trauma Cover
A payout to assist with recovery from major medical conditions.
AIA Vitality
A wellness program that offers rewards and discounts for staying healthy.
Additional Benefits
AIA Vitality is one of the most comprehensive health engagement programs in the insurance industry, promoting fitness, nutrition, and preventative care.
Why Choose AIA
AIA stands out for combining financial protection with holistic health support, backed by a proven claims track record.

- Claims Paid (2023/24): $4.2 billion
- Acceptance Rate: 94%
TAL is one of Australia’s most established and widely chosen life insurers, with a history dating back to 1869. Today, TAL protects millions of Australians and is known for its broad product range, strong claims reputation, and customer-first approach. The company is part of the Dai-ichi Life Group, a global leader in life insurance.
Product Range
Life Insurance:
Financial protection for your loved ones if you pass away or are diagnosed with a terminal illness.
Income Protection
Replaces a portion of your income if you’re unable to work due to illness or injury.
Total and Permanent Disablement (TPD):
A lump sum benefit if you're permanently unable to work.
Critical Illness:
Covers serious conditions like cancer, stroke, or heart attack.
Additional Benefits
TAL provides access to rehabilitation and return-to-work services, as well as built-in grief and financial counselling in some policies.
Why Choose TAL
TAL combines scale, financial strength, and consistent claims performance, making it one of the most trusted names in Australian life insurance.
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Why Life Insurance Matters




Types of Life Insurance
Insurance
Factors Affecting Premiums
Choosing the Right Life Insurance Policy
Choosing the right policy starts with understanding your needs. Here are a few important things to think about when deciding how much cover is right for you.
When to Review Your Policy
It’s important to check in on your policy from time to time, especially when life changes.
Life Changes
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