Australia life insurance estimator
Free Australia life insurance calculator. Estimate monthly and annual death-cover premiums from age, sex, smoking, cover amount, term and health — instant, private, no sign-up.
How to use
- Enter your age and details. Add your age, sex and smoking status. Premiums rise steeply with age, and smokers pay substantially more.
- Choose cover amount. Set the lump sum you want paid out on death. Premiums scale with the amount of cover.
- Pick a term and health. Choose a term and your general health. Longer terms and poorer health raise the premium.
- Review your estimate. See your estimated monthly and annual premium, the typical range, and a term-by-term comparison.
Features
- Australian life-cover factors. Uses age, sex, smoking, cover amount, term length and health — the core levers insurers underwrite on.
- Monthly, annual and a range. Shows both monthly and annual cost plus a low–high band for the spread between insurers.
- Term comparison. Compares term lengths so you can see how a longer policy changes the cost.
- Super context. Flags that life cover is often held inside super and that stepped premiums rise each year, unlike this level-style estimate.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Estimating death cover to protect a mortgage or family
- Comparing level-style cover with stepped premiums inside super
- Seeing how much smoking adds to your premium
- Choosing a cover amount before applying
- Budgeting family financial protection
Is it private?
Every calculation runs in your browser. Your age, health and cover details are never uploaded, stored or shared.
Frequently asked questions
Is this a real life insurance quote?
No. It is an educational estimate for standalone level-style death cover based on published Australian averages. Real prices depend on underwriting and the insurer, so get quotes for exact figures.
Is life insurance in Australia held through super?
Often, yes. Many Australians hold default death cover inside their superannuation. This tool estimates standalone level-style cover for comparison; cover inside super may be priced differently.
What are stepped versus level premiums?
Stepped premiums start lower but rise each year as you age; level premiums cost more early but stay flatter. This estimate approximates level-style pricing.
Does sex affect the price in Australia?
Yes. Australian insurers may rate on sex, and women typically pay slightly less for life cover, all else equal.
Do the rates stay accurate?
Life pricing is fairly stable, but market averages still shift over time, so each estimate shows its data vintage.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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