Life insurance with no medicals to apply

Get up to $1.5 Million life insurance benefit paid to your loved ones, depending on your age when you apply.¹

What is Direct Cover Life Insurance?

Direct Cover Life Insurance is a type of life insurance policy available to Australian residents aged 18-70 that helps you provide financial support for your loved ones after you’re gone for things like mortgage payments, outstanding debts or even a gift.

What’s great about Direct Cover Life Insurance?

Here are some more benefits you can look forward to when you choose Direct Cover Life Insurance:

Get up to $1.5 Million life insurance benefit paid to your loved ones (depending on your age when you apply).¹
Terminal Illness Cover - Get a 100% early pay out of your life insurance benefit amount if you are diagnosed with a Terminal Illness.²
Straightforward claims – Our Australian-based claims specialists are on hand to help your loved ones with cover backed by an Australian-owned insurer.
Immediate Cover – You're covered from day one for death and terminal illness.¹
No medicals or blood tests – Just answer some health and lifestyle questions, and you're all set.
Lower premiums for non-smokers - If you’re a non-smoker, you’ll enjoy lower premiums.³
Pay how it best suits you, choose fortnightly or monthly at no extra cost.
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.⁴
Exclusive to us - You can't buy Direct Cover Life Insurance anywhere else.
Free Will Kit - with every policy purchased.

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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.

Cash payout

Get up to $1.5 Million life insurance benefit paid to your loved ones (depending on your age when you apply).¹

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 Illness.²

Straightforward Claims

Our Australian-based claims specialists are on hand to help your loved ones with cover backed by an Australian-owned insurer.

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 Illness² 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.

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Peace of mind made easy with Direct Cover Life Insurance

Direct Cover Life Insurance can be a straightforward way for you to provide your family with some financial help if you pass away or are diagnosed with a terminal illness.² 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

Our cover is easy to apply for, you won’t need a medical exam or blood test to apply, simply answer some health and lifestyle questions and you’re all set. Once you’re covered, you’ll have immediate protection for death and terminal illness.¹ Direct Cover can help you to protect the life you’ve worked so hard to build for your family and give you some peace of mind.

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

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 Illness² 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.

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

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.

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.

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

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

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