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Been denied life insurance because of your age? Try this…

Age is just a number… Except when you’re denied life insurance. Find affordable life cover for over 65s today.

If you’re over 65 and having trouble securing life insurance, or simply put off by how unaffordable the premiums are, you might be worried you’ve missed the boat. Being rejected due to your age can be disheartening, as you’ve tried to do the right thing in protecting you and your loved ones. But is it really too late? Maybe not.

There are three main types of life insurance in Australia: direct, retail and group. Typically, direct and group policies offer cover to Aussies up until age 65. On the other hand, life insurance policies that are ‘retail’ generally have a maximum entry age of 75, so older Aussies may have a better chance at securing life cover when shopping for life insurance.

But what exactly is ‘retail’ life insurance? It’s cover that has been underwritten at the time of application, typically sold via a financial planner or adviser. A common misconception is that you’ll be provided with personalised advice, but rather, advice can be of a general nature. The key difference is that an insurer will assess your situation when you apply for life cover, rather than when you make a claim. There are several advantages to this that we’ll cover below.

A fast and easy way to find out which policies you’re eligible for is to use the online tool at Life Insurance Comparison. We offer ‘retail’ life insurance policies that are fully underwritten but without the additional costs and effort that a financial planner may charge you. Knowing which insurers provide coverage for your age group means you can get started on finding the right life cover for you. All you have to do is enter a few details, and a qualified life insurance specialist will help you compare the policies you’re eligible for while offering assistance during the application process from start to finish.

Here’s How You Do It:

Step 1: Select your current age below.
Step 2: Once you answer a few questions, you will have the opportunity to compare quotes from up to 10 of Australia’s largest insurers. You may also be entitled to a free consultation.

If you’re struggling to find life insurance that gives you real peace of mind, looking at our range of covers may also be a good option. While direct life insurance might allow you to skip medical exams and questions, going down this path can actually lead to greater uncertainty during claim time. This is because your life insurance application and medical history is reviewed at the time of claiming, rather than the time of application.

At Life Insurance Comparison, our life insurnace specialists are fully qualified, plus available for assistance during the process of comparing, purchasing or switching life cover. They will listen to your needs, budget and preferences, offering a wider range of options that can be tailored more sensitively to your needs.

A few more benefits of choosing from life insurance policies on our panel:

  • Maximum entry age is typically higher, meaning you’re more likely to get covered even if you’re over 65
  • Policies are fully underwritten at the time of application, meaning pre-existing conditions are taken into account—no nasty surprises when it comes time to claim
  • Life Insurance Specialists can make sure you’re not over or underpaying for your premiums
  • Life Insurance Specialists are there to help you simplify complex insurance terms and offer assistance during the process of applying for life cover
  • Feel a greater sense of security and confidence that your cover will work as it should

‘Retail’ life insurance can also offer better affordability, as reports have found direct life insurance products may cost Australians up to 30% to 50% more than others*.

Life Insurance Comparison offers life cover that is fully-underwritten at the time of application, to help Australians secure a life insurance policy that works for their needs and budget, while providing real peace of mind. A Life Insurance Specialist also may help you avoid being underinsured, overinsured, getting stuck with excessively high premiums or lumped with unnecessary extras**.

What information will I need to provide when applying for a retail life insurance policy?

One of our life insurance specialists will have a detailed discussion with you to find out what you’re looking for and assess your level of risk to insurers. During the conversation, they may ask you about your budget, health, lifestyle, smoking status and family history.

The cost of your policy will depend on the insurer you go with, the features you want, and the amount of cover you choose, but also on the following factors:

  • Your gender and age
  • Whether you smoke or not
  • Your occupation
  • Your hobbies
  • Your current health
  • Your medical history***

While it’s true that your eligibility for life insurance will depend on factors such as your personal situation and level of risk, bear in mind that this article is a general guide. It is up to an insurer’s discretion to assess your eligibility for a product.

But don’t put off life insurance simply because you’re worried about your age. Life Insurance Comparison helps Aussies compare life insurance to secure the protection they deserve.

Simply enter a few details into the comparison tool below to get started on finding affordable life insurance.

Get Started Now:

Step 1: Select your state below.
Step 2: After answering a few questions, you will have the opportunity to compare quotes in your area and could be eligible for significant savings.'s online quote comparison tool makes it easy to get quotes from 10 Australia's biggest life insurers

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