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Data and research
Consumer insights and market research drawn from real Australian life insurance activity.
Expert Commentary
Experienced life insurance brokers available for media comment on cover, premiums and consumer trends.
Market Trends & Analysis
Insights into how Australians research, compare and buy life insurance, and what’s shifting.
Russell Cain – Founder & CEO
Tel: (02) 9929 7355
Email: info@lifeinsurancedirect.com.au
Russell founded Life Insurance Direct and has spent nearly two decades helping Australian families navigate life insurance. He is available to comment on underinsurance, premium affordability and the Retail vs Group vs Direct life insurer debate.
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Featured In
In the News
Premium Projections Launched For Life Insurance
Insurtech platform lifeinsurancedirect.com.au has launched a premium projection facility as part of its comparison engine. Customers will now be able to estimate their premiums over an extended period of up to ten years.
Insurance companies are changing the rules
You might have read in the news of the Australian Prudential Regulation Authority (APRA) changes coming to income protection insurance contracts. APRA has announced a significant shakeup to income protection policies, and none of it benefits the customer.
Life Insurance for Selfie Deaths
Russell Cain, CEO of LifeInsuranceDirect, says we need to start thinking about high risk selfie taking the same way we approach activities such as skydiving
Life Insurance for Selfie Deaths
Cain says taking selfies at dangerous locations may fall into the same category as extreme sports
Medicare Levy Increase a Concern for Riskies
Life Insurance Direct chief executive officer Russell Cain said the Medicare Levy will have a large impact on Australian families’ disposable income.
Direct Insurance Consistently Overpriced
lifeinsurancedirect.com.au, compared 13 direct insurance offerings with 11 major retail advised insurance offerings and found the average cost of direct insurance was over 45% more expensive.
Avoid Being Overcharged on Your Life Insurance Premiums
Life Insurance Direct has done extensive research of more than 3,000 quotes from 32 brands to launch the 2016 Life Insurance Direct Quote Index.
Don’t take ‘no’ for an answer and talk to a specialist
Consumers who experience difficulty getting insurance – including life, income protection, trauma or total and permanent disability (TPD) – need to be determined and keep trying.
How to make yourself more insurable
Despite their usefulness, generalisations aren’t always entirely reliable, they can often be misleading, and at other times, simply wrong.
Life Insurers Profits Up But You Still Pay More
The recent reporting season has revealed that, despite crying poor, life insurers’ profits are still increasing.
Life Insurance Direct Questions Premium Price Spike
lifeinsurancedirect.com.au is questioning whether the current spike in premiums on life insurance offered by insurers to consumers via financial advisers amounts to price gouging.
Life Insurance Direct: Protect our firefighters
“Australia has an obligation to ensure that our firefighters, who face greater health risks . . . are adequately covered,” Mr Cain said.
Life Insurance Direct: Protect Our Firefighters
A Bill recently introduced into the Queensland Parliament has highlighted the need for Australia to commit to better protecting firefighters, according to LifeInsuranceDirect.com.au.
Life Insurance Commissions – Perception Versus Reality
Life insurers are allowing a misperception that advisers are being paid upfront commissions of up to 120% to continue, according to Life Insurance Direct.
Summary and Findings of Both Historical and Proposed Commissions and Premium Research
This data was analysed by Life Insurance Direct Australia from records of over 3000 retail client transactions.
Life Insurance – Are You Paying Too Much?
With the plethora of life insurance offers now being marketed to Australians, consumers may be confused about which policies are more affordable, according to Life Insurance Direct Australia (Life Insurance Direct) CEO, Russell Cain.