Life Insurance



Note: Let’s Insure Essentials Life Cover and Easy Life Insurance is currently unavailable to new applicants.

If you have a current Essentials Life Cover or Easy Life Insurance Policy (taken out before 1 March 2018), there will be no change to the terms or benefits and obligations under your policy, provided it is kept in force. Our Customer Care team are happy to assist with any questions you may have. Call us on 1300 499 499 (Monday – Friday, 9am to 5pm) or email


About Life Insurance

We all describe our lives as ‘busy’ as our time is taken up with work, school and sport runs, grocery shopping and the occasional holiday. But have you ever stopped to think about whether your loved ones could manage if something were to suddenly happen and you could no longer financially provide for them? They would need the money on hand to keep up with the day-to-day and any other major household expenses.

Life insurance helps protect your loved one’s financial future by providing them with a lump sum payment in the event of your death or diagnosis of a terminal illness, so they can continue living the life you want for them.

But I already have life insurance with my superannuation fund. Why do I need another policy? Read more....


Life Insurance options

There are a range of life insurance cover options available on the market, and they aren’t just limited to covering your death or the death of a loved one. Most life insurance pays a benefit when any of the following events happen, provided these are included as part of your policy – death; suffering a serious accidental injury such as loss of a limb or paralysis or suffering a critical illness such as cancer, stroke or heart attack.

Some policies don’t provide cover for certain occupations or dangerous hobbies, so it’s important to refer to the Product Disclosure Statement before you take out cover.


Which life insurance options are available for me?

There are generally two types of life insurance available through most insurance companies in Australia – Underwritten or Guaranteed policy acceptance (For Australian Residents aged 18-65) and at Let’s Insure we offer both options as shown below.


Compare our products

At Let’s Insure, we offer Essentials Life Cover (underwritten life insurance) and Easy Life Insurance (guaranteed policy acceptance insurance) to suit different needs and budgets:

Policy Features:

Essentials Life Cover (Underwritten)

Easy Life (Guaranteed)

What does it offer?

Affordable life insurance cover for you and your family. Answer a few questions about your health and you could access lower premiums.

Fast & simple life insurance cover over the phone in minutes. Plus you’ll receive a 100% payout of your benefit at age 85.


Australian Residents

Aged 18 - 65

Australian Residents

Aged 18 - 65

Cover options


Single + partner


Single + partner

Maximum Benefit Amount



Optional cover extras

  • Accidental Death
  • Children’s Cover (ages 2 – 18)
  • Total and Permanent Disability
  • Trauma Cover
  • Accident Cover
  • Children’s Cover (ages 2 – 18)

What isn’t covered?

In the first 13 months, death or terminal illness by cause of suicide or deliberate self-inflicted injury or any other special term exclusions as agreed with you prior to your Policy being issued.

To find out more about what’s not covered, please refer to the Product Disclosure Statement.

In the first 5 years, Death or Terminal Illness directly or indirectly as a result of

  • Pre-Existing Medical Conditions
  • Suicide or deliberate self-inflicted injury

At Any time,

Death or Terminal Illness directly or indirectly as a result of:

  • criminal or illegal acts;
  • dangerous occupation or pastime;
  • any of the following conditions:
    • HIV infection, hepatitis C, cancer, multiple sclerosis, polycystic kidney disease, familial adenomatous polyposis, huntington’s disease, cystic fibrosis or muscular dystrophy

To find out more about what’s not covered, please refer to the Product Disclosure Statement

Premium options




Age premiums stop


and cover continues for life


Receive 100% cash payout

Automatic Benefit Increases

Yes, but you can opt-out of this

Yes, but you can opt-out of this

Worldwide coverage



30-day cooling-off period



How do I get this cover?

Answer a few tailored questions about your health and lifestyle so you may be able to save on your premiums

Guaranteed policy acceptance cover in just a few minutes

More information