We're part of a global network whose brands have been chosen by over 500,000 customers globally and are rated 'Excellent' by thousands of customers on Trustpilot.²

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What is Direct Cover Life Insurance?

Direct Cover Life Insurance is a straightforward way for you to help financially support your loved ones if you pass away unexpectedly. With our life cover you can help your loved ones with ongoing costs such as mortgage repayments, living expenses, debts, or your children’s education. If you’re an Australian resident aged 18 to 70 you could get up to $1.5 million life insurance benefit paid directly to your loved ones, depending on your age when you apply.1


We take pride in our straightforward application and our Australian-based claims specialists are always ready to help your loved ones. Our policies offer immediate protection for death and terminal illness,1 allowing you to feel confident in your family’s financial future knowing that you’ve helped to protect the life you’ve built for them.

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Why choose Direct Cover Life Insurance?

Here are some of the key benefits you can look forward to with a Direct Cover Life Insurance policy.

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Cash payout

Get up to $1.5 million life insurance benefit paid to your loved ones (depending on your age when you apply). It can be a simple way to help protect the financial future of the ones you care about most.1

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100% early payout for terminal illness

Get a 100% early pay out of your life insurance benefit amount if you are diagnosed with a Terminal Illness3. This can help with covering medical expenses or spending time with loved ones.

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Straightforward claims

Our claims process is designed to be simple, and our Australian-based claims specialists are on hand to help your loved ones with cover backed by an independent, Australian-owned insurer. 

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Immediate Cover

You're covered from day one for death and terminal illness,1 so you can get on and enjoy life.

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Easy to apply

Australian residents aged 18-70 can apply with no medical exams, blood tests or complicated forms, simply answer some health and lifestyle questions, and you're all set.  You can arrange everything over the phone.

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Lower premiums for non-smokers

If you're a non-smoker you'll enjoy lower premiums.4

Protecting what matters to Australians

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Our customers come first

We’re committed to helping our customers make informed decisions that will help safeguard their family’s financial wellbeing. We understand that every customer is unique, and we take the time to listen and understand their situation.

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Award winning group

We're part of a global network which has a proven track record of providing high quality customer service and whose brands have been chosen by over 500,000 customers globally.2

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High quality service

We strive to consistently provide the highest quality customer service, and our Australian based claims specialists are here to help you protect what matters most. We’re proud to be part of a network that has won multiple customer service awards and is rated ‘Excellent’ by thousands of customers on Trustpilot.2

Our group’s award-winning brands

At Direct Cover, providing our customers with a high standard of customer care is part of what we do. Which is why we’re proud to be part of a group whose standards of excellence have been recognised time and time again. Have a look at some of the awards and ratings that have been earned by other brands in our group.

Some more reasons to choose Direct Cover Life Insurance

Life insurance doesn’t have to be complicated. If you’re ready to secure a Direct Cover Life Insurance policy, our Australian-based team of life insurance specialists will be there to help you. You can arrange everything over the phone.

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Pay fortnightly or monthly

Pay when it bests suits you, choose fortnightly or monthly at no extra cost.

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Service Excellence

Our customers can have some peace of mind that Direct Cover is part of a global network whose brands have been chosen by over 500,000 customers globally and are rated 'Excellent' by thousands of customers on Trustpilot.2

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Exclusive

Direct Cover Life Insurance is backed by an independent, Australian-owned insurer and is exclusive to us. You can't buy it anywhere else.

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FREE Will Kit

Receive a Free Will Kit when you purchase a policy.

Some important things you should know
  • Direct Cover Life Insurance is an insurance policy, not a savings or investment plan.
  • Your chosen benefit amount may not cover all your outstanding financial commitments and expenses upon your death, or the costs associated with a terminal illness. You will need to carefully consider your level of cover to ensure it suits your needs.
  • The benefit amount will not be paid if you die or are diagnosed with a Terminal Illness3 as a result of an intentional self-inflicted injury or attempted suicide that occurred before the policy commencement date or within the first 13 months of the policy commencement date. Refer to the Product Disclosure Statement for full details.
  • With Direct Cover Life Insurance, your premiums will be recalculated based upon your age and your benefit amount each year on the policy anniversary. This means your premiums will generally increase as you get older. This yearly premium change will also reflect the 3% increase to your chosen benefit amount due to the Automatic Benefit Amount Increase feature, designed to help your cover keep up with rising living costs. You can decline this feature by informing us if you don’t want it.
  • If you change your mind within 30 days from the purchase date ("cooling-off period") and no claim is made, you may cancel your policy and receive a full refund of any premiums paid. If you cancel your policy after the cooling-off period, you do not receive your premiums back, nor will you be entitled to any benefit amount.
View full policy terms & conditions

How much life cover do you need?

A good place to start when deciding how much cover you need is to have a think about what you would like the life insurance benefit from your policy to do. Thinking about things like the cost of potential hospital bills, mortgage payments or general living expenses can help give you a better idea of what might suit your needs.


If you’re not sure what your final wishes are yet you may want to sit down with a loved one and have a chat about it. Depending on your age when you apply you could get up to $1.5 million life insurance benefit paid to your loved ones.1

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Life insurance made simple

Cover that’s easy to apply for in 3 simple steps – all you need is your phone!
Step 1

Get a quick quote

There are no medical exams or blood tests needed to apply - simply answer some health and lifestyle questions.

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Step 2

Choose your cover

Explore your options, and then choose a cover amount that suits your needs and lifestyle.


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Step 3

Enjoy your protection

If you're eligible and happy with your quote, you can confirm your cover and get it in place right away. It’s that simple.

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Guides

Your Direct Cover Life Insurance questions answered

Here are some of the most commonly asked questions we get in relation to our life insurance policy. If you can’t find the answer to your question here, feel free to explore all our FAQs or you can even contact us directly on 1800 583 675

Already a customer?

Our friendly team is on hand to answer any questions or concerns you may have. If you want to get in touch, you can call us on 1800 577 321

Making a claim

We strive to make sure our claims process is simple and straightforward. Find out how it works below.

Money Worries

Are you worried about making an upcoming payment? We’re ready to help you. 

Change your policy

We’ve made it easy for you to make changes to your policy. You can apply to make changes at no extra cost.

Get your quote today

Ready to get some peace of mind? Direct Cover can help you to protect the life you’ve built for your loved ones, today.

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Receive a free Will Kit when you take out a Direct Cover Life Insurance policy.

1

From $100,000 up to $1,500,000 of cover available (depending on your age). The benefit amount will not be paid if you die or are diagnosed with a Terminal Illness3 as a result of an intentional self-inflicted injury or attempted suicide that occurred before the policy commencement date or within the first 13 months of the policy commencement date. Refer to the Product Disclosure Statement for full details.

2

Direct Cover is a trading name of Neilson Financial Services Pty Ltd (Neilson) ABN 52 668 314 896, AFSL 552284. Neilson is part of the Neilson group of companies whose brands have been chosen to protect over 500,000 customers worldwide and have been rated ‘Excellent’ on Trustpilot, an online platform for consumers to review businesses. For more ratings information, see https://www.directcover.com.au/awards-and-recognition.

3

Terminal Illness is as defined in the Product Disclosure Statement. Upon payment of a Terminal Illness claim, the policy and cover will end.

4

Premiums for a non-smoker are lower than for a smoker of the same age and gender, with the same benefit amount and accepted at standard premium rates.

Helping protect the life you’ve built: Get a quote today for Life Insurance
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