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What affects the price of an insurance policy premium?

Insurance premiums are structured to reflect the degree of an individual's risks a life insurance company accepts. eg: Smoking or not smoking.

Your type of employment will affect the policy premium. eg: a typical university-qualified professional working in a predictable environment like an office, would usually cost less to insure than a blue-collar Scaffolding Tradesman working on a high-rise building.

  • If you have hazardous hobbies or pastimes, like competitive car racing, skydiving or deep-sea diving on shipwrecks, you would expect the premium to be increased to cover the additional risk.
  • If you just go to the gym to keep fit or cycle or go bushwalking on the weekends, you wouldn't expect any premium increase.
  • If you wanted a particularly large amount of insurance cover, eg: over $2,000,000 all life companies will request an HIV test, regardless of your age, gender, health or occupation.

About Us provides support to those people who insurance companies leave behind. We believe in giving every person the power to use life insurance products to protect & provide for their loved ones, their businesses and their legacy — free from barriers of stigma and discrimination.

We know that, as an LGBTQIA+ person (or someone who goes without labels entirely), you have specific financial advice, life insurance and privacy needs.

We're committed to serving the LGBTQIA+ community and its Allies. For us, it's about #AdviceEquality.

Make us part of your story so should the unexpected happen to you or whoever is family to you, you'll have a backup plan in place to help you financially recover and life can still get better for somebody you love.


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