Do a comparison and save up to 150% on your life insurance

Different insurance providers will charge a different amount based on age, gender and smoking status. We compare 7 of Australia's leading insurance providers to find you the cheapest price. For example, subject to your response to some key questions, for a 42-year-old non-smoker female, the cheapest provider on our panel is $38.07 per month for 1 million worth of life insurance. The same person would pay $113.03 per month through another, - popular direct provider who provide online quotes. Doing a price comparison could save you a significant amount of money, in this example $899.52 annually.  

Consider paying through your superannuation

Many Australians pays for life insurance outside their superannuation and are unaware of benefit of life insurance being paid through superannuation. For a 30-year-old male, who takes out a $1 million life insurance policy at age 30 and keeps it to age 65 the savings could be more than $15,000 over the life of the policy. The savings are generally bigger for smokers.

Added benefits also apply If your beneficiaries are dependents (e.g. a spouse or children under 18). Of course, this -option will reduce your retirement savings within your superannuation but can be of great assistance with your ongoing cashflow.

Consider paying annually and save around 8%

Paying your premium annually can give you an overall saving of 8%. Insurance companies apply a payment frequency loading to monthly premiums. It varies from insurer to insurer, but is typically around 8%. Using the example above, the savings by paying annually could be approximately $8000, If you are paying outside super, then you can have your policy setup to be paid annually if you can afford to do so.

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Important information

Not all providers in the market are included in our comparisons.

Also note, any information or advice given on our website is general. It hasn’t taken into account your objectives, financial situation or needs.

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Extent of our comparisons

Not all providers of insurance, mortgages, and credit cards on the market are included in our comparisons. The amount of any savings will depend on your circumstances.

To see who is on our panel, select a product from the menu below:


Any information or advice contained on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information or advice on this website, you should consider the appropriateness of it (and any relevant product) having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on this website. We recommend that you obtain financial, legal and taxation advice before making any financial investment decision.

Not all providers of insurance, mortgages, and credit cards on the market are included in our comparisons. The amount of any savings will depend on your circumstances.The products compared on this website do not necessarily compare all features that may be relevant to you. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage.

RATE DETECTIVE PTY LTD. AUSTRALIAN CREDIT LICENCE NO. 469009. The Rate Detective website and brand name is operated by Spotter Finance Pty Ltd who are an authorised representatives of Crown Wealth Group Pty Ltd ABN 22 603 037 510 Australian Financial Services Licensee 494274. Spotter Finance and its advisers are authorised to advise and deal in superannuation and life insurance products only.

How we get paid

We (including your adviser) may be remunerated in the following various ways for the financial services provided to you.


We will receive commission on any life insurance products your adviser arranges for you. This commission is built in to the cost of the insurance. The rate of commission varies between the different product providers but can be up to 140% of the initial premium and up to 40% of renewal premiums. Based on the 140% and 40% we would receive up to $1,400 upfront commission on an annual premium of $1,000 and up to $400 of each renewal premium.

Performance Bonuses

Sometimes product providers will pay us bonuses based on the business placed with that insurer. The criteria for such bonuses are typically the volume of business placed and the level of retention of that business over time.

In the event that we receive a performance bonus it will be shared with your adviser. From that part of the bonus generated as a result of business written by your adviser, the adviser may receive up to 100% of that bonus (37.5% if you have been referred by an affiliate, with the affiliate receiving 12.5%).

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We maintain an Alternative Benefits Register which contains information about any alternative forms of payment or benefits that may be received. Please let your adviser know if you have questions about or want to inspect this register. We may receive sponsorships from product providers which contributes to the professional development of our Authorised Representatives.

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