Insuranceline Life Insurance

Insuranceline is a specialist provider of life insurance, income protection insurance, funeral insurance and pet insurance.

Compare Insuranceline Life Insurance policies

Considering Insuranceline Life Insurance? See our comparison table below for a snapshot of its current market offerings. Please note that this table has been formulated based on a non-smoker male in a professional occupation who is seeking cover. The results are sorted by estimated monthly premium (lowest to highest).

To compare other life insurance policies, please click here.

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How much does Insuranceline Life Insurance cost?

The cost of your life insurance will vary depending on several different factors such as your age, occupation and choice of insurer. You can get a quote for Insuranceline Life Insurance by comparing direct life insurance on our website. Compare the quoted premiums to the average premiums for direct life insurance on our database.

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Eligibility to apply for Insuranceline Life Insurance

All permanent Australian residents may apply for an Insuranceline Life Insurance policy, although your age will be a major factor of your eligibility. Upon application, you’ll also be asked some simple questions about your health, lifestyle and family medical history to determine what level of cover Insuranceline is willing to offer to you.

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How to apply for an Insuranceline Life Insurance policy

If you fit the eligibility criteria, you can apply for Insuranceline Life Insurance by clicking on an Insuranceline Life Insurance product in the Canstar direct life insurance comparison tables for your occupation and age, and confirm your choice of policy.

You can apply for a quote by clicking on the link in our comparison tables. If you need help obtaining a quote, call Insuranceline on 13 77 87, or get a quote on Insuranceline website.

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Insuranceline FAQs

You or your beneficiaries can claim with Insuranceline Life Insurance by calling Insuranceline on 13 77 87 or emailing a claim form to claims@insuranceline.com.au.

Before you submit a claim, you may need to have some these details on hand:

  • Your policy information
  • Information about the incident (date, time, place)
  • Original birth and death certificate if the incident was fatal
  • Medical reports, test/examination/laboratory results
  • What damage occurred during the incident
  • What other people, vehicles or property were involved in the incident

If your insurance claim is approved, Insuranceline will arrange the payment of your benefit. If your claim for an income protection benefit is approved, this will involve ongoing payments while you are eligible to continue receiving a benefit, rather than one lump sum payment.

It depends on whether you buy a policy through Insuranceline or your financial adviser, or if you only have life insurance included through your super fund.

The situation may be different for income protection insurance. The insurance premiums for income protection will be generally tax deductible if you buy it directly from an insurance company or through your financial adviser, but not tax deductible if you buy income protection through your super fund. Ask your tax accountant or financial adviser for details.

Generally speaking, premiums for other forms of life insurance such as term life insurance, TPD insurance or trauma insurance may not be tax deductible. Ask your tax accountant or financial adviser for details.

Insuranceline Life Insurance charges stepped premiums, which increase as you age.

When you apply for Insuranceline Life Insurance, your insurance premium is calculated based on your chosen benefits and level of cover, your age, your occupation, your gender, whether you smoke, your health, family history and whether you engage in hazardous activities.

The cost of your policy is recalculated each year on your policy’s anniversary, so your premium may increase for your particular age bracket or your occupation category.

Premium rates are not guaranteed. For more information about stepped premiums versus level premiums, read this article.

At the time of writing, medical tests are not required to apply for Insuranceline Life Insurance; however, in the event of a claim, Insuranceline may require additional evidence or do a full review of your medical records.

Once you’ve applied for cover, Insuranceline will contact you if a medical examination is required throughout the claims process.

After buying an Insuranceline Life Insurance policy, you can apply to increase the amount of your cover at any time. Your application to increase your cover will be subject to the same eligibility criteria.

You should be able to change your level of cover by adding or removing features or coverage, and by increasing or decreasing your sum insured for each type of cover included in your life insurance policy. If you wish to change your policy inclusions, contact Insuranceline on 13 77 87 to discuss your options.

Keep in mind that increasing your level of cover or adding your spouse or children to your policy is likely to mean you pay a higher insurance premium.

It depends on the condition and policy you decide to take out. When applying for Insuranceline Life Insurance, you must disclose (tell Insuranceline about) any pre-existing medical conditions you have now or had in the past, as well as current medications and health issues. Find out more about pre-existing conditions for life insurance here.

Established in 1999, Insuranceline is backed by TAL insurance and has provided cover for more than 750,000 Australians.

With over five and a half million families living in Australia, Insuranceline goes by a simple philosophy: that everyday Australians should have access to straightforward life insurance they can trust.

The peace of mind customers get from knowing they are protected isn’t a luxury, which is why Insuranceline aims to provide flexible and affordable life insurance with real financial security.

Insuranceline Life Insurance Plan

Canstar Research
Rating:
Award: Outstanding Value Life Insurance

Direct Life Insurance

2017 Star Ratings Report

Written by: Regina Collins | Last updated: