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Premium comparisons provide access
to quotes from all major insurers’ retail products

Quotes are obtained in real-time from Australia’s leading Life Insurers using each company’s quote system. We do this with our own dedicated quote technology. You get

  • better quality premium comparisons using
    • fair dinkum quotes from each company’s system,
    • actual occupations from each insurer and
    • the ability to add loadings for each company
  • information is entered only once into the premium  comparison webpage
  • premium comparison reports can be created at any time and quote reports PDFs can be downloaded and saved to your client file

In addition, quotes can be saved to life company adviser accounts so they can be used with Statements of Advice and digital insurance applications without rerunning the quotes.

Valid Comparisons

We have taken the hard work out of comparisons by analyzing each company’s product range and have set up the quotes on LifeRisk Online so that they are as comparable as possible.

For non super insurances we cover Life Cover, TPD Own/Any/Home Duties and Non Occupational, Trauma, Income Protection Professional, Comprehensive, Standard and Basic policies as well as Accident Only and Business Expenses as well as Accidental Death and Child Cover.  

Cover for superannuation based insurances includes Life Cover Super, TPD inside Super, Split TPD Own, Income Protection Basic, Income Protection Accident Only and Split Income Protection Professional, Comprehensive and Standard.   In addition, cover outside super such as Life Cover, TPD, Trauma, Child Cover, Income Protection and Business Expenses can be added.


LifeRisk Online provides direct access to each company’s occupation list as used in their quote systems. We provide this access and the tools to easily select the most appropriate occupation for each client and company.

Loadings and Exclusions

LifeRisk allows users to include loadings and any exclusion information into the quotes and reports.

Quote Save & Recall

Quote reports are saved as PDFs and held in your account as they are produced.

You can recall quotes either to review the results or reload the details so you can alter the settings and run a new quote without having to re-enter the details.

Adviser Remuneration

Hybrid and Level Remuneration levels can be set globally using a percentage of the maximum standard remuneration. You can set remuneration levels using each company’s settings.