At Covermate Life, we are an experienced life insurance broker in Australia, providing general advice to help individuals, families and businesses find protection that suits their needs. Unlike going directly to a single insurer, we work with multiple providers – including AIA, MLC, MetLife, TAL, Zurich, OnePath and ClearView – giving you access to a wide choice of policies.

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Our role as a broker is to help you compare insurers, understand the differences in cover, and ensure you don’t pay more than you need to for quality protection. We don’t represent just one insurance company – we work for you.

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Our Life Insurance Products

We provide general advice across a wide range of insurance solutions to cover life’s unexpected events. Click through to learn more about each product:

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Life Insurance

Provides a lump sum payment to your loved ones if you pass away or are diagnosed with a terminal illness.
Learn more about Life Insurance

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Total and Permanent Disability (TPD) Insurance

Pays a lump sum if you become permanently disabled and are unable to return to work.
Learn more about TPD Insurance

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Trauma (Critical Illness) Insurance

Helps you recover financially from a serious medical event such as cancer, stroke, or heart attack.
Learn more about Trauma Insurance

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Income Protection Insurance

Provides a monthly income replacement if you are unable to work due to illness or injury.
Learn more about Income Protection

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Business Expense Insurance

Designed for self-employed professionals and business owners, this cover helps pay fixed business costs if you can’t work due to sickness or injury.
Learn more about Business Expense Insurance

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Key Person Insurance

Protects a business financially if a key employee, owner or director dies or becomes disabled, ensuring stability during a difficult time.
Learn more about Key Person Insurance

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Buy-Sell Insurance

Provides the funds for surviving business partners to buy out a deceased or disabled partner’s share, ensuring smooth succession planning.
Learn more about Buy-Sell Insurance

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Mortgage Protection Insurance

Covers your home loan repayments if you die, become seriously ill, or are unable to work due to disability.
Learn more about Mortgage Protection Insurance

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Why Choose a Broker Like Covermate Life?

• Choice of multiple insurers – we work with AIA, MLC, MetLife, TAL, Zurich, OnePath and ClearView.

• Save time – no need to get quotes from multiple providers individually.

• General advice – we provide information and options to help you compare, without pushing one insurer’s product.

• Tailored cover options – different insurers have different strengths depending on your needs.

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Frequently Asked Questions

1. What does a life insurance broker do?
A life insurance broker like Covermate Life works with multiple insurers, helping you compare policies, prices, and features. Unlike dealing directly with one company, a broker gives you access to a range of options.

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2. Is it cheaper to buy life insurance through a broker?
Brokers don’t usually cost you extra – insurers pay them a commission. By comparing multiple policies, a broker can often help you find more cost-effective cover than going direct.

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3. What types of life insurance can I get through Covermate Life?
We provide general advice on a wide range of products including Life Cover, TPD, Trauma, Income Protection, Business Expense, Key Person, Buy-Sell, and Mortgage Protection.

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4. What’s the difference between life insurance and income protection?
Life insurance pays a lump sum if you pass away or are terminally ill. Income Protection provides ongoing monthly payments if you can’t work due to illness or injury. Many people choose to have both.

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5. Can I hold multiple types of insurance at once?
Yes. Many clients hold a combination of policies – for example, Life Cover, Income Protection, and Trauma – to protect different financial risks.

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6. How do I know which insurer is best for me?
Every insurer has different product features, benefits, and pricing. A broker compares these for you and helps explain the differences so you can make an informed choice.

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7. Is advice from Covermate Life personal financial advice?
No. Our services are general advice only, which means we provide information about policies and options without considering your specific objectives, financial situation, or needs. You should always review the Product Disclosure Statement (PDS) before deciding.

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General Advice Disclaimer

The information provided by Covermate Life is of a general advice nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether the products are appropriate for you and read the relevant Product Disclosure Statement (PDS) before making a decision.