Life Insurance Calculator
The Australian Government's Moneysmart life insurance calculator helps you work out if you need life cover and how much you might need — based on your debts, dependants, income, and existing assets.
Go to Moneysmart Calculator →More Moneysmart resources
Moneysmart also provides plain-language guides on each type of personal insurance, how insurance through super works, how to make a claim, and how to compare insurers.
How Life Insurance Works
An overview of the different types of life insurance, what they cover, and what to consider when choosing a policy.
Read on Moneysmart →Insurance Through Super
The pros and cons of holding insurance inside your superannuation fund, including what cover you might already have.
Read on Moneysmart →Claims Comparison Tool
Compare insurers by claims acceptance rates, average claim times, and disputes — so you can see how different insurers perform.
Use the tool on Moneysmart →Making a Claim
What to expect when making a life insurance claim, what documents you'll need, and what to do if your claim is denied.
Read on Moneysmart →Our resources
Alongside the Moneysmart tools, our Learn pages explain each type of personal insurance in detail, and our premium estimator gives you a ballpark sense of what cover might cost based on your age, occupation, and smoker status.
Ready to discuss your options?
Once you've had a chance to think through your needs, we're here to help.