Help Topics

This is your ‘one stop shop’ for life insurance help and information. We provide the answers to some commonly asked questions, as well as offer resources to help you take the first steps towards a secure financial future.

What are the different types of life insurance?

Term Life and other forms of life insurance are designed to provide control and choices during a time of personal loss.

Who needs life insurance?

For people with debts and/or dependants, life insurance can provide financial stability even through the worst of times.

How much do I need?

Everyone’s situation is different, but you should have at least enough life insurance to cover your debts and provide an ongoing income for your family.

Can I afford life insurance?

Many people are surprised to find that life insurance is cheaper than they think, with a range of low-cost life insurance options now available.

How can I reduce the cost of life insurance?

You’ll have the best chance of accessing cheap life insurance protection if you’re relatively healthy and a non-smoker.

How will my health affect my cover?

If you have health issues or concerns then life insurance becomes even more important – although you may need to pay a little more for suitable cover.

Will I need a medical test?

If your state of health is uncertain or complicated, the insurer may request medical reports or ask you to undergo a medical examination when assessing your application.

Do I need life insurance outside super?

Many Australians are underinsured, particularly when they rely on the often-limited level of life insurance within their superannuation fund, so it’s important to review your needs and top-up your cover if required.


We explain some common words and terms to help simplify the world of life insurance.


AAMI Life Insurance is issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530, AFSL 229 880 (SLSL) and is distributed by MetLife Insurance Limited ABN 75 004 274 882, AFSL 238 096. AAI Limited ABN 48 005 297 807 AFSL 230859 trading as AAMI does not provide any financial product advice in relation to AAMI Life Insurance. Any advice in this information is general advice only and has been prepared without taking into account any person’s objectives, financial situation or needs. You should consider the Product Disclosure Statement (PDS) for the AAMI Life Insurance product before making any decisions about whether to acquire this product.



Follow Us

  • Twitter logo smallTwitter
  • Youtube logo smallYouTube
  • Google Plus logo smallGoogle+