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How to apply for life insurance
When you apply for life insurance, you’ll need a range of info on hand — from your medical history to lifestyle info. Here are some common life insurance questions.
Common life insurance questions
How old are you?
As a general rule, the older you are, the higher your premium.
That’s why it can be a good idea to invest in life insurance when you're young, fit and healthy — even though you might not think you need it. Take a look at five reasons to take out health insurance if you’re under 30.
What’s your occupation?
Your occupation may impact your premium when you apply for life insurance,, depending on the risks involved in your daily work. Such risks may range from the likelihood of accidents to the amount of time you spend sitting at your desk.
What’s your medical history?
Its’ important to be thorough and honest with your medical history. Include any issues you've experienced, including illnesses, operations and ongoing conditions.
If it's a while since you’ve had a medical, you might consider seeing your GP before you apply for life insurance.
What’s your family's medical history?
In addition to gathering the details of your own medical history, prepare a summary of any issues that have affected your family members, including your parents, grandparents, aunts and uncles.
What’s your lifestyle like?
Lifestyle is a reference to all the behaviours that might influence your life expectancy, such as how much alcohol you drink, whether or not you smoke, how regularly you exercise and how well you eat.
What do you do in your spare time?
The main concern here, when you apply for life insurance, is how much time you spend taking risks. If you regularly participate in high-risk activities, such as skydiving, bungee jumping, surfing or white water rafting, then your premiums might be higher.
Would you like to bundle your life insurance with other products?
You may choose to increase your cover by bundling life insurance with other products, such as total permanent disability insurance and/or income protection insurance. If you choose to bundle your Life Insurance with other products, premiums would generally be cheaper than if you purchased those products individually.
There’s no one-size-fits-all policy when it comes to life insurance, so get in touch with an AAMI Life adviser who can help step you through the process.
- What’s the difference between life insurance through super and life insurance through a provider?
- How much life insurance do I need?
- Indexation in insurance
AAMI Life Insurance products, other than in some circumstances the Redundancy Benefit, are provided by either Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) or by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life) which is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Both Asteron and TAL Life are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies use the AAMI brand under license.
Any advice on this page in connection with the Life products is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct). General advice does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold a Life Products you must read the relevant Product Disclosure Statement.