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Financial MattersLife Insurance
Feel proud knowing your family's finances are protected. With Seniors Life Insurance you can get cover later in life, all the way up to age 79, just when you need it the most.
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Seniors Life Insurance
At Australian Seniors, we believe that life is your masterpiece. Like everything valuable, it’s worth protecting. That’s why Seniors Life Insurance lets you apply for life insurance up to the age of 79, so it’s almost never too late to look out for the things you’ve worked hard for.
You can choose up to $200,000 in cover to protect you and your family. The money can go towards whatever you or your family may need, such as medical and living expenses, or even sudden funeral costs.
Plus, you don’t need to have any uncomfortable medicals or blood tests to apply. All you need to do is answer eight questions about your medical history and then decide on a cover amount that works for you and your loved ones. It’s that easy, so get started today.
DARE magazine
As a valued Australian Seniors customer, when you take out Seniors Life Insurance, you’ll receive ongoing complimentary issues of DARE magazine. Learn more and view the applicable T&Cs.
Life Insurance Code of Practice
Benefits of choosing Seniors Life Insurance
A flexible cover amount that suits you
Choose how much you or your family could receive if you pass away or become terminally ill. You can set a benefit amount from $10,000 up to $200,000.
Cover for when you need it most
We know that the older you get, the more you have to protect, so Seniors Life Insurance allows you to apply from age 45 up to 79.
Immediate cover
Once your policy is set up, you’ll be covered straight away for death and for terminal illness.
Easy to apply with no medicals
Simply answer eight questions about your medical history over the phone. Once approved, you can get covered in minutes.
20% advance payout to cover funeral costs
When your family makes a claim, 20% of the benefit amount may be paid in advance, so they won’t have to worry about the cost of your funeral or other immediate expenses while the claim is assessed.
Triple payout for accidental death
Your family’s benefit amount will be tripled up to $600,000 if you pass away from an accident, helping with any last-minute expenses they might face.
Non-smokers can enjoy lower starting premiums
You’ll have lower starting premiums if you’re a non-smoker.
Your own Australia-based personal claims specialist
If you or your family need to make a claim, we’ll assign one of our local claims specialists to look after everything. No need to explain things to multiple people.
Things you should know
- Suicide is excluded for the first 13 months.
- This policy expires at age 85, regardless of what age your cover started.
- Terminal illness with diagnosis of 24 months or less to live.
Award-winning insurance 10 years in a row
Australian Seniors has been recognised for providing real value for the local over 50s market, winning awards for our products and service for 10 consecutive years.
Australian Seniors has won the Canstar 2023 Most Satisfied Customers Award for Home Insurance.
We’re the proud winners of the Reader’s Digest Quality Service Award in the Funeral Insurance category for 2021, 2022, 2023 and 2024. We have also been the recipients of the Highly Commended Trusted Brand Award in the Funeral Insurance category for 2015, 2016, 2018, 2020, 2021, 2022 and 2024. In 2023, we were the winning recipient of the Trusted Brand Award in the Funeral Insurance category. We were granted the Feefo Gold Trusted Service Award in 2017, 2018, 2019, 2021, 2022, and the Feefo Platinum Trusted Service Award in 2023 and 2024.
Australian Seniors is also the ProductReview.com.au 2021, 2022 and 2023 Annual Awards Winner in the overall Insurance category, as well as the 2024 Awards Winner in the Funeral, Car and Home & Contents Insurance categories and 2020 Awards Winner in the Funeral, Car, Home & Contents, Travel and Pet Insurance categories.
Essential Life Insurance information
Life insurance is a lump-sum payment that you or your family receive if you pass away or become terminally ill. It’s one way of making sure that your loved ones won’t have to worry about financial troubles when you’re gone.
As we get older, our insurance needs change too. That means it’s important to know about the different types of life insurance products available and which one works best for your situation.
Life insurance pays out a lump-sum benefit to your family when you pass away or become terminally ill. The process usually starts by getting approved by an insurer and then setting your benefit amount.
Here is a brief overview of what you should consider at each age bracket when setting a suitable benefit amount.
There is no set price for life insurance as each policy is tailored by you to your specific needs and circumstances. Learn how your premiums are calculated.
Life insurance can benefit you and your family when the unexpected happens by acting as a financial buffer for any immediate bills if you were to pass away or suffer from a terminal illness, which can be of growing concern for all of us as we get older.
Here’s a brief overview of the tax implications you should consider around life insurance and other related products, especially as you get older.
Life insurance covers death by any cause (although suicide is usually excluded for a set period of time) or if you were to suffer a terminal illness where the doctor advises that you have 12 months or less to live.
The process of buying insurance will be different depending on whether you choose to do it yourself or go through a broker or advisor. Here are some things to keep in mind about each method.
Cover the people that matter most
Life's Booming Podcast
Hosted by the ABC’s James Valentine, the ‘Life’s Booming’ podcast is available now!
DARE to indulge?
Enjoy what you work hard to protect. DARE magazine helps you make the most of the world you live in.
Why Australian Seniors
You and your family need insurance that delivers real value. With Australian Seniors, you get just that and more.
Peace of mind
Enjoy the confidence of knowing that your policy is backed by world-leading underwriters.
Award-winning insurance
We’ve got years of experience, helping you to protect your family and assets with award-winning products and award-winning service.
Dedicated to seniors
We believe insurance should meet your needs, not someone else’s. That’s why we focus on providing the best possible cover for Australians over 50.
Backed by experience
We’ve been doing what we love for years, just like you. Put yourself in good hands with Australian Seniors.
Life Insurance FAQsFrequently Asked Questions
What does life insurance cover?
Life insurance generally covers you for death or a terminal illness. Some policies may also cover other events such as disabilities or serious illnesses, but these are usually added as optional extras.
Does Seniors Life Insurance cover accidental death?
Yes, while your policy is active, Seniors Life Insurance covers you for death caused by accidents, and pays your loved ones triple your benefit amount, up to $600,000.
Depending on your personal circumstance, this may be a way to make sure your loved ones are financially protected if the worst was to happen. This can be even more important to offer you peace of mind as you get older.
Do Seniors Life Insurance policies cover funeral costs?
There are no restrictions on how you or your family can use a life insurance payout, so the money can go towards a funeral, estate legal fees, ongoing living costs, and more. With Seniors Life Insurance, your family may get 20% of the benefit amount in advance when a claim is made (subject to approval), so they can cover immediate funeral expenses while the rest of the claim is being assessed.
Does Seniors Life Insurance require a blood test?
No, you don’t need to have any blood tests or medical exams to apply for Seniors Life Insurance.
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Financial MattersWe're here for you
To find out more about Seniors Life Insurance, call us now on 1300 050 510 from Monday to Friday, 8am to 8pm. You can also request a call-back at a time that suits you.