Your life insurance policy, your way

Guardian Insurance gives you more options than ever to help safeguard your family’s future. Apply online and arrange cover on the spot with Guardian Term Life Insurance, which provides cover for up to 25 years or when you turn 80 (whichever comes first). Or, you can apply over the phone for Guardian Life Insurance, which can be renewed for life. Either way, you can get on with your daily life knowing the people who make it worthwhile are in safe hands if you were no longer around to provide for them.

Life Insurance Code of Practice

We proudly comply with the Life Insurance Code of Practice, so you can be sure you’ll receive the highest standard of service with our team.

Benefits of life insurance

At Guardian Insurance we know that if it’s a future worth planning, it’s worth protecting.

Cover for death and terminal illness

You can get covered in minutes for any cause of death or diagnosis of a terminal illness (accidental death only period of cover may apply depending on your circumstances and policy).

Advanced funeral benefit

Both our life insurance products come with an advance payout to help cover short-notice funeral costs while a claim is being assessed, so your family’s finances won’t be disrupted during a difficult time.

No health checks

Save time by applying online or over the phone.  No health checks, medicals or blood tests required when you apply.

Hassle-free claims

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

Guardian Term Life Insurance

If you know what cover you need and would prefer to take care of everything yourself, then Guardian Term Life Insurance is for you. Apply for cover and buy your life insurance policy online straight from your device in minutes.

If you’re an Australian resident aged 18–70, you’re guaranteed acceptance for at least $50,000 in cover. No medicals, blood tests, or phone calls to apply. 100% DIY – instant quotes and approvals online, with a maximum benefit amount of up to $2 million and a term of cover up to 25 years (an accidental death only period of cover may apply) depending on your application.

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Guardian Life Insurance

Guardian Life Insurance offers financial protection for your loved ones and peace of mind for you. Choose your benefit amount from $100,000 up to $1.5 million depending on your age, and feel confident knowing that your cover continues for life (provided premiums are paid). 

To increase your level of protection, Guardian Life Insurance provides optional benefits, including cover for Serious Illness, Total & Permanent Disability and Children’s Insurance (optional covers may expire). 

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Things to know: 

  • Guardian Term Life Insurance excludes suicide in the first 12 months of your policy.
  • Guardian Life Insurance excludes suicide in the first 13 months of your policy.

Start your Guardian Term Life Insurance application online

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.

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Important tools and resources

Frequently asked questions

What does life insurance cover?

Life insurance generally provides a lump sum payout in the event of the policyholder’s death or diagnosis of a terminal illness. Each policy has different terms of cover, so always make sure you read the relevant PDS to ensure the product suits your needs.

Get cover today

Get more certainty in life with Guardian Term Life Insurance. It’s the fast way to take out cover when you don’t have time to waste.