Guardian Term Life Insurance

With Guardian Term Life Insurance you can choose up to a maximum benefit amount of $2 million, depending on your application outcome. Simply answer a set of questions online or over the phone about your health and lifestyle to see how much cover you can take out, and finalise your policy when it suits you. 

If you’re an Australian resident aged 18-70, you’re guaranteed acceptance for at least $50,000 in cover to help safeguard your family’s lifestyle. Get approved immediately, with no medicals or blood tests required to apply. We’re ready when you are.

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 Guardian Term Life Insurance

Life cover up to $2 million

With Guardian Term Life Insurance you can choose a benefit amount up to $2 million, depending on your application outcome. You can adjust your quoted cover amount online to suit you and your family’s needs.

Eligible Australians are guaranteed acceptance

If you’re an Australian resident aged 18-70, you’re guaranteed acceptance for at least $50,000 in cover. Get approved immediately online or over the phone with no medicals or blood tests required to apply.

Fast, easy application process

Think you don’t have enough time to take out life insurance? Apply online or over the phone and get covered in around 10 minutes. Be guided every step of the way by our intuitive online assistant, or let one of our friendly team members walk you through the application.

Fixed-term cover

Your cover will last for 10, 15, 20, or 25 years (or until you turn 80 – whichever comes first), depending on your application outcome and as long as you keep paying your premiums. If the worst happens, your family can use the funds to help pay off debts and maintain their expected lifestyle.

Hassle-free claims

When it’s time to make a claim, one of our specialists will help guide you or your loved ones through the process from start to finish. You and your family have our attention.

Entire benefit paid for terminal illness

If you’re diagnosed with a terminal illness (with less than 12 months to live), your entire benefit will be paid to you in full. It’s your chance to arrange any final wishes or plans for the people you care about, or keep up with your personal goals when you’re no longer working. 

Advanced funeral benefit

If you pass away, your family and loved ones can get on with planning your farewell or paying for any other urgent costs with 20% of your benefit amount (up to a maximum of $10,000) paid in advance while your claim is assessed.

We also offer Guardian Life Insurance if this product isn’t suitable for your needs.

Some things you should know:

  • Accidental death only period of cover may apply depending on your circumstances.
  • Excludes suicide in the first 12 months.
  • The duration of your policy term will be determined based on information you provide during your application.

You’re just a click or a phone call away from an insured life with Guardian Term Life Insurance

Award winning insurance

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

Why Guardian

security shield

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.

Quick and simple

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

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?

Important tools and resources

Frequently asked questions

What is term life insurance?

Term life insurance is a type of policy that covers you for a specified number of years or until a specific age. Your cover duration will vary depending on your policy and provider. With Guardian Term Life Insurance, we offer fixed term cover for 10, 15, 20 and 25 years, or until you turn 80 years old (whichever comes first) depending on your application outcome.

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.