Life Insurance

Q: I’m healthy, why would I need life insurance now?

&lt;p&gt;Life is unpredictable and we never know what lies around the corner. If you wait until you are unwell, the cost of getting life insurance could substantially increase, and it may also be difficult to obtain. Once Guardian Life Insurance is in place, you will have continuous cover for life as long as you pay your premiums on time (some optional covers may expire), regardless of changes to your health or pastimes.&lt;/p&gt;

Q: How much cover can I get?

&lt;p&gt;Your maximum benefit amount will depend on your age at the time you apply. With Guardian Life Insurance, if you’re an Australian resident aged 18 to 44, you can apply for up $1.5 million. Those aged 45 to 54 can select up to $800,000, those aged 55 to 59 can select up to $500,000 and those aged 60 to 64 can select up to $300,000. Homemakers are eligible for a maximum of $1 million. The minimum benefit amount is $100,000, and you can select your chosen benefit in increments of $50,000, up to the maximum.&lt;/p&gt;

Q: How does the indexation benefit work?

&lt;p&gt;To help ensure that your level of insurance cover keeps up with increases in the cost of living and your changing lifestyle, your Guardian Life Insurance benefit amount and all optional benefits (if applicable) is automatically increased on each policy anniversary by 5%, and premiums are adjusted accordingly (this does not apply to Guardian Term Life Insurance). You can decline the automatic increase by calling us or writing to us. The automatic increases stop at the policy anniversary after you reach age 75.&lt;/p&gt;

Q: How does the terminal illness benefit work?

&lt;p&gt;With the terminal illness benefit you can elect to claim your full benefit if you are diagnosed as being terminally ill (with 12 months or less to live). This means you can use the money to prepare any final arrangements ahead of time and make things easier for your loved ones.&lt;/p&gt;

Q: Are there any optional benefits I can add to my Guardian Life Insurance?

&lt;p&gt;Yes, there are a range of options so you can tailor your cover to suit your needs. Optional covers include &lt;a href=&quot;/life-insurance/other/childrens-insurance&quot; title=&quot;Children’s Insurance&quot;&gt;Children’s Insurance&lt;/a&gt;, &lt;a href=&quot;/life-insurance/other/tpd-insurance&quot; title=&quot;Total &amp;amp; Permanent Disability Insurance&quot;&gt;Total &amp;amp; Permanent Disability Insurance&lt;/a&gt; and &lt;a href=&quot;/life-insurance/other/serious-illness&quot; title=&quot;Serious Illness Insurance&quot;&gt;Serious Illness Insurance&lt;/a&gt;. Terms and conditions apply.&lt;/p&gt;

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Guardian Life Insurance

With up to $1.5 million cover available (depending on your age), you can be confident knowing your family can maintain their current lifestyle if you pass away or become terminally ill.

You can apply for ongoing cover over the phone, just by answering a series of health and lifestyle questions – with no medical exams or blood tests required on application. For even more protection, optional cover is available for Serious Illness Insurance, Total & Permanent Disability Insurance and Children’s Insurance so you and your family are financially protected, even if your health changes.

If it’s worth planning, it’s worth protecting

Whatever your future holds, Guardian Life Insurance can help protect you and those you love the most.

Lifelong cover with no age expiry

As long as you pay your premiums, you can renew your policy every year once accepted, ensuring your family remains covered (some optional covers may expire).

You choose the payout amount

Choose a benefit amount between $100,000 and $1.5 million, depending on your age. Your family can use this to help cover expenses if you pass away or are diagnosed with a terminal illness. Cover is for death by any cause (excluding suicide in the first 13 months).

Open to Australian residents aged 18–64

Apply over the phone with no complicated forms or medical exams to worry about.

Single or joint cover options

Both single and joint policies available, so you can tailor your policy based on your family’s needs.

Complete benefit paid out for a terminal illness

Entire Life Insurance benefit paid in advance for terminal illness (if you’re diagnosed with a terminal illness with less than 12 months to live), which can help cover medical bills and support your family financially during a difficult time.

Optional covers available

Take advantage of added protection, with a selection of optional covers to choose from including Serious Illness Insurance, Total & Permanent Disability Insurance and Children’s Insurance.

$15,000 advance funeral benefit paid

While your claim is being assessed, we’ll pay $15,000 to your loved ones so they can settle any final expenses or begin planning your farewell.

Interim accidental death cover

We’ll cover you for accidental death for up to 30 days at no cost if we need more time to assess your application after you apply.

We also offer Guardian Term Life Insurance if this product isn’t suitable for your needs. You can apply for cover and purchase a policy straight from your device in minutes.

Some things you should know

Excludes death or terminal illness as a result of self-inflicted injuries in the first 13 months.

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Award winning insurance

At Guardian Insurance we take pride in being recognised for delivering quality, award winning insurance to Australian families.

Why Guardian

Led by experience

We’ve been helping savvy Australians protect their life’s work for over a decade. You can rely on us.

Easy application

We offer straightforward insurance products that are easy to apply for, so you can take out cover with as little delay as possible.

Hassle-free claims

Enjoy a quick, simple claims process with the support of our friendly customer service team. We’re here for you.

Built on trust

Guardian Insurance policies are backed by some of the world’s most trusted underwriters. You and your family are in good hands.

Need to know more?

Frequently asked questions

I’m healthy, why would I need life insurance now?

Life is unpredictable and we never know what lies around the corner. If you wait until you are unwell, the cost of getting life insurance could substantially increase, and it may also be difficult to obtain. Once Guardian Life Insurance is in place, you will have continuous cover for life as long as you pay your premiums on time (some optional covers may expire), regardless of changes to your health or pastimes.

How much cover can I get?

Your maximum benefit amount will depend on your age at the time you apply. With Guardian Life Insurance, if you’re an Australian resident aged 18 to 44, you can apply for up $1.5 million. Those aged 45 to 54 can select up to $800,000, those aged 55 to 59 can select up to $500,000 and those aged 60 to 64 can select up to $300,000. Homemakers are eligible for a maximum of $1 million. The minimum benefit amount is $100,000, and you can select your chosen benefit in increments of $50,000, up to the maximum.

How does the indexation benefit work?

To help ensure that your level of insurance cover keeps up with increases in the cost of living and your changing lifestyle, your Guardian Life Insurance benefit amount and all optional benefits (if applicable) is automatically increased on each policy anniversary by 5%, and premiums are adjusted accordingly (this does not apply to Guardian Term Life Insurance). You can decline the automatic increase by calling us or writing to us. The automatic increases stop at the policy anniversary after you reach age 75.

How does the terminal illness benefit work?

Are there any optional benefits I can add to my Guardian Life Insurance?

More FAQs & Help

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Get a quote today to help protect your family’s future. Or, we can call you back at a more suitable time to discuss your cover options.

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Guardian Life Insurance

Life Insurance Code of Practice