Terms and Conditions

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In this guide
  1. General
  2. Lowest Price Guarantee
  3. PRIVACY POLICY: SECURING YOUR PERSONAL INFORMATION
  4. Refer a Friend
  5. Birthday Offer Terms and Conditions

General

  1. Life Insurance Direct Australia Pty Ltd (A.B.N. 98 121 266 957) is an Australian Financial Services Licensee (AFSL No.473135) who is authorised to advise and deal on a range of financial products. Click here to access our Financial Services Guide.
  2. This information published on our website is not designed to provide personal financial or investment advice. It is general in nature and does not consider your particular investment objectives, financial situation or investment needs.
  3. While we compare several participating insurers in the Australian market, not all products in the Australian market place are represented.
  4. The insurance products we compare have different features and different levels of coverage. Not all of these differences are considered or disclosed in our comparisons.
  5. The statistics and figures presented on this website are based on historical data, obtained from external sources.
  6. There is no guarantee or suggestion that markets will behave as they have in the past.
  7. Future results will be affected by political & economic events.
  8. We are not registered tax (financial) advisers and the information contained on our website does not constitute tax advice. You should seek professional advice regarding your obligations, liabilities and entitlements before acting on the factual information and general advice published on our website.
  9. Life Insurance Direct makes reasonable efforts to ensure that the information published on our website is accurate and current at the time of publication; however circumstances may change. If you identify an error please bring it to our attention and we’ll correct the information. If you have any questions about the information we publish please contact us directly.
  10. The Product Disclosure Statements published on our website are documents prepared by and provided by the Insurers themselves. We reasonably believe the documents to be current and accurate but we cannot and do not guarantee that they are entirely accurate, true or correct.
  11. The information published on our website is not directed to your particular circumstances, needs or objectives. It may not be appropriate for you so you should seek advice tailored to your circumstances before making any financial decision.
  12. We assert ownership of, and copyright over, all information published on our website © Copyright 2004-2025

Lowest Price Guarantee

We guarantee to provide you with the most competitive quote for your insurance. We’ll compare your existing offer against the fully underwritten policies offered by the Insurers on our Approved Product List. If we can’t beat their offer by finding a better policy with a better price or better terms, we’ll pay you $250. Underwriting criteria apply. We will require evidence of the competitor’s quote on application and or renewal. This offer may be withdrawn at any time.

If you would like to check availability about your policy or situation please call us on 1300 135 205.

PRIVACY POLICY: SECURING YOUR PERSONAL INFORMATION

We respect your privacy. As a professional business, we are committed to protecting your personal information, and we have adopted the following principles for managing it.

APP1 – Transparency and Openness

This section outlines our clearly expressed and publicly available policy on the management of personal information.

Upon request by a person, we will take reasonable steps to inform them, generally, of the type of personal information we hold, its purpose, and how we collect, hold, use, and disclose that information.

APP2 – Anonymity

Wherever it is lawful and practicable, you have the option not to identify yourself when entering transactions with us. Please be aware that if you do not identify yourself we may not be able to provide you with advice or services.

APP3 – Collection

We will not collect your personal information unless it’s necessary to provide the information, advice or service you’ve requested.

We will collect personal information only through lawful and fair means and in a manner that is not unreasonably intrusive.

We will not collect information about you unless:

  1. You have consented; or
  2. The collection is required by law. or
  3. The collection is necessary to prevent or lessen a serious and imminent threat to the life or health of any individual, where the individual concerned is the subject of the information:
    3.1. is physically or legally incapable of giving consent to the collection; or
    3.2. physically cannot communicate consent to the collection; or
  4. The collection is necessary for the establishment, exercise or defence of a legal or equitable claim.

APP4 – Unsolicited Collection

We will not collect your personal information unless it’s necessary to provide the information, advice or service you’ve requested.

If we collect personal information about you from someone else, we will take reasonable steps to ensure that you are aware of these matters (except to the extent that making you aware of the issues would pose a serious threat to the life or health of any individual).

We will neither collect, retain, use nor disclose personal information about you without your explicit knowledge and consent.

APP5 – Notification

At or before the time (or, if that is not practicable, as soon as practicable after) we collect personal information about you, we take reasonable steps to ensure that you are aware of:

  1. our identity and how to contact it; and
  2. the fact that you can gain access to the information; and
  3. the purposes for which the information is collected; and
  4. the organisations (or the types of organisations) to which we may disclose information of that kind; and
  5. any law that requires the particular information to be collected; and
  6. the main consequences (if any) for you if all or part of the information is not provided.

If it is reasonable and practicable to do so, we will only collect personal information about you from you.

APP6 – Use and disclosure

If you provide us with personal information to obtain a quote or advice you should understand that we will not use or disclose your personal information for any other purpose  unless:

  1. both of the following apply:
    1.1. the other purpose is related to the primary purpose of collection. If the personal information you’ve provided to us is sensitive information then the other purpose has to be directly related to the primary purpose of collection. and
    1.2. You would reasonably expect us to use or disclose the information for the secondary purpose; or
  2. You have consented to the use or disclosure. or
  3. We reasonably believe that the use or disclosure is necessary to lessen or prevent:
    3.1. a serious and imminent threat to an individual’s life, health or safety; or
    3.2. a serious threat to public health or public safety; or
  4. We have reason to suspect that unlawful activity has been, is being or may be engaged in, and uses or discloses the personal information as a necessary part of its investigation of the matter or in reporting its concerns to relevant persons or authorities; or
  5. the use or disclosure is required or authorised by or under law; or
  6. We reasonably believe that the use or disclosure is reasonably necessary for one or more of the following by or on behalf of an enforcement body:
    6.1. the prevention, detection, investigation, prosecution or punishment of criminal offences, breaches of a law imposing a penalty or sanction or breaches of a prescribed law.
    6.2. the enforcement of laws relating to the confiscation of the proceeds of crime.
    6.3. the protection of the public revenue.
    6.4. the prevention, detection, investigation or remedying of seriously improper conduct or prescribed conduct.
    6.5. the preparation for, or conduct of, proceedings before any court or tribunal, or implementation of the orders of a court or tribunal.

 APP7 – Direct Marketing

The law allows us to use your personal information for direct marketing purposes if:

  1. it is impracticable for us to seek your consent before that particular use; and
  2. We do not charge you for acting on your request not to be sent direct marketing communications. and
  3. You have not “opted out” from receiving our direct marketing communications. and
  4. in each direct marketing communication with you, we draw to your attention, that you may express a wish not to receive any further direct marketing communications. and
  5. each written direct marketing communication by us with you (up to and including the communication that involves the use) sets out our contact details.

APP8 – Cross-border disclosure

Life Insurance Direct utilises, and relies on external service providers to operate our business efficiently and effectively. Some of these service providers are located outside Australia. Our Financial Services Guide lists the countries in which these providers operate or where you personal information may be stored. We may transfer personal information about you to someone who is in a foreign country only if:

  1. We reasonably believes that the recipient of the information is subject to a law, binding scheme or contract which effectively upholds principles for fair handling of the information that are substantially similar to the National Privacy Principles. or
  2. You consent to the transfer. or
  3. The transfer is necessary for the performance of a contract between you and us, or for the implementation of pre-contractual measures taken in response to your request. or
  4. The transfer is necessary for the conclusion or performance of a contract concluded in the interest of the individual between us and a third party. or
  5. All of the following apply:
    5.1. The transfer is for the benefit of the individual.
    5.2. It is impracticable to obtain your consent to that transfer.
    5.3. If it were practicable to obtain such consent, you would be likely to give it. or
    5.4. We have taken reasonable steps to ensure that the information we have transferred will not be held, used or disclosed by the recipient of the information inconsistently with the National Privacy Principles.

APP9 – Identifiers

We will not use for our purposes an identifier that was assigned to you by:

  1. a government agency; or
  2. an agent of a government agency acting in its capacity as agent; or
  3. a contracted service provider for a Commonwealth contract acting in its capacity as contracted service provider for that contract.

We will not use or disclose an identifier assigned to an individual by an agency, or by an agent or contracted service provider, unless:

  1. the use or disclosure is necessary for an organisation to fulfil its obligations to the agency; or
  2. it is required for legal reasons; or
  3. the use or disclosure is by a prescribed organisation of a prescribed identifier in prescribed circumstances.

An identifier is a number assigned by an organisation to an individual, uniquely identifying the individual for the organisation’s operations. However, an individual’s name or ABN (as defined in the A New Tax System (Australian Business Number) Act 1999) is not an identifier.

APP10 – Data quality

We take reasonable steps to ensure that the personal information we collect, use or disclose is accurate, complete and up-to-date.

APP11 – Data security

We take reasonable steps to protect the personal information we hold from misuse, loss, and unauthorised access, modification, or disclosure.

We will also take reasonable steps to destroy or permanently de-identify personal information if it is no longer needed for any purpose for which the information may be used or disclosed under the Australian Privacy Principles.

Although we maintain a regular plan of recovery in the event of the loss of data stored about products and for compliance with internal dispute resolution procedures, we do not store individual personal data about people’s use of the website, or any aspect of personal details such as names, addresses, phone numbers, email addresses or credit card data which may be used to identify a person or their insurance information.

APP12 – Access and correction

If we hold personal information about you, then we will provide you with access to that information. You simply need to let us know that you’d like to review the information and we will provide you with access to it.

Please understand that we do not need to provide you with access where:

  1. in the case of personal information other than health information, providing access would pose a serious and imminent threat to the life or health of any individual; or
  2. in the case of health information, providing access would pose a serious threat to the life or health of any individual; or
  3. providing access would have an unreasonable impact upon the privacy of other individuals; or
  4. the request for access is frivolous or vexatious; or
  5. the information relates to existing or anticipated legal proceedings between the us and you, and the information would not be accessible by the process of discovery in those proceedings; or
  6. providing access would reveal our intentions in relation to negotiations with you in such a way as to prejudice those negotiations; or
  7. providing access would be unlawful; or
  8. denying access is required or authorised by or under law; or
    8.1. providing access would be likely to prejudice an investigation of possible unlawful activity; or
    8.2. providing access would be likely to prejudice:
    8.3. the prevention, detection, investigation, prosecution or punishment of criminal offences, breaches of a law imposing a penalty or sanction or breaches of a prescribed law; or
    8.4. the enforcement of laws relating to the confiscation of the proceeds of crime; or
    8.5. the protection of the public revenue; or
    8.6. the prevention, detection, investigation or remedying of seriously improper conduct or prescribed conduct; or
    8.7. the preparation for, or conduct of, proceedings before any court or tribunal, or implementation of its orders, by or on behalf of an enforcement body; or
  9. an enforcement body performing a lawful security function requests that we not provide access to the information, on the basis that providing access would likely cause damage to Australia’s security.

However, where providing access would reveal evaluative information generated in connection with a commercially sensitive decision-making process, we will give you an explanation for the commercially sensitive decision rather than direct access to the information.

If we are not required to provide you with access to the information because of one or more of these reasons, we will, if reasonable, consider alternative arrangements.

We have the right to charge you for providing you with access to the information we hold. If we do charge you for providing access to personal information, those charges:

  1. will not be excessive; and
  2. will not apply to lodging an access request.

APP13 – Correction

If we hold personal information about you and you can establish that the information is not accurate, complete, or up-to-date, we will take reasonable steps to correct it so that it is accurate, complete, and up-to-date.

If we disagree about whether the information is accurate, complete and up-to-date, and you ask us to associate with the information a statement claiming that the information is not accurate, complete or up-to-date, we must take reasonable steps to do so.

We will provide reasons for denying access or refusing to correct personal information.

Life insurance direct takes your privacy seriously and if any issue has arisen about privacy and the use of this site, you may contact us at info@lifeinsurancedirect.com.au

Refer a Friend

Get a month’s worth of premium for free when you refer a friend to us. Every time a new user uses your invite link to:

and if they become new clients of ours after 1 May 2018, they become a successful referral. Everyone wins because both you and your friend will get a month’s worth of premium for free (up to A$100 each).

Refund Policy:

Birthday Offer Terms and Conditions

Birthday Voucher Offer only valid for: Life Insurance; Trauma Insurance; Income Protection; TPD Insurance; Business Expenses Insurance; Keyman insurance

Voucher only valid for new insurance policies taken out through Life Insurance Direct; Offer expires on user’s date of birthday 2025; Voucher cannot be used in conjunction with any other offer; Voucher is valid for one time use only; $200 voucher is paid as a one off rebate to you 6 weeks after your policy commences.