Best Life Insurance

I was very grateful and happy with the information and introduction with the start of my life insurance policy Show details

easy to register. whole policy explained clearly. Policy was good value when compared to others. Show details

Tara was very friendly, easy to talk to and explained everything clearly, answering all my questions with patience. The policy is perfect for my needs Show details

Absolutely excellent service and easy to deal with ! My consultant was very lovely Show details

Deceased benefit – Have been very impressed with how delicately my matter has been handled. Everyone has been very helpful and swift. Thankyou Show details

Life insurance – Zina was very pleasant & helpful explained what I needed to know Show details

I have been with AHM for 6 years. After my phone call today with Adrian I will be looking for another life insurance company. He set me up. I… Read more

honestly stated I smoked a joint at a festival in April but because I answered no to smoking tobacco on a regular (as I quit smoking) to two questions contradicted each other my application to increased my life insurance was denied. Adrian doesn’t give two toots if he stuffs up your life insurance police. Adrian a decent thing to do would’ve been to say hey mate I think you misunderstood the question…..I do have dyslexia and don’t comprehend things normally like other people do. Being honest got me nowhere. Thanx for making my day just a little more stressful and it had to be. A formal complaint will be made.

The worst insurer we've ever used we pay pay pay for trauma cover it's gotten so expensive and then they always add 5% to renewals which increases it… Read more

even more, it's a joke after paying for trauma cover for 20yrs there's nothing paid back when you cancel it due to exorbitant costs, id move companies if we weren't over 50 but bye bye trauma, id advise youngsters never take out that crazy costs insurance put the extra into a pot every month and if u ever need it you have it, don't trust medibankife with your Life, they're as big a con as trump

I purchased AIA Advantage Plus life insurance through iselect. Iselect now are in partnership with Lifebroker. l asked for my premium type to be… Read more

changed from "stepped" to "Optimum" retrospectively. Not to change the policy, just the premium type. Iselect managed to have it changed, even though I'm on claim now iselect knew I was on claim, and told me that my being on claim was on their computer screen. My file with iselect now has a note that a salesperson can't answer questions, and I had to wait 2 days for a Manager to return my call. AlA I have now sent me: 1. A quote signed off by AlA's Retail Insurance Chief, on letterhead, in PDF format; 2. A confirmation of change of premium type, with it having been changed already; 3. A "premium prediction" table based on "Optimum" premium type with an annual increase of 5% which takes the premium through to age 74 (I won’t live that long anyway). I have accepted this change in utmost good faith, but AlA are trying to say they will honour it for only 1 year.

The effect of this change is that AlA will get less money in premiums each month (up to about $1k less per month.

AlA are basically trying to weasel their way out of an already contracted change to premium type. But life insurance is, basically a gamble. 8 years ago I wanted to look after my family in case something bad happened. I was a very low risk. My health issue is down to a freak thing. No one expected it. I certainly didn't want it. But it happened. My terminal heart failure is a great example of why life insurance is a gamble. I have heard that some actuarials set gambling odds as a side gig. I've sent the documents to my Federal MP's office, and will send this info to ASIC. Why should any company be allowed to get away with such an egregious breach of a contracted agreement?

AIA are refusing to honour the premium projections provided through iselect. Lifebroker have offered non help in this matter.

Recently I received a bill for the life insurance that I had with AMP now taken over by this mobthey have my email address but decide to send the… Read more

notice by 'snail mail'dated 17march , I received it today 31/3/2026,and I usually pay by B -Pay,they have my email address but do not send any reminders except by mail AND even then when it is due by the first day of April,not only that they make errors transcribing my name needing for me to use a JP to verify who I am,not only that but the AMP share register has my name correct because I pay tax on it.further my withdrawal amount REDUCES as time of contribution increases GO FIGURE .I AM SORRY THEY (AMP)got taken over by Resolution life, because they(AMP) were a good COMPANY,Iwould not patronise Resolution Life for all the gold in china because they areNO GOOD.

Appalling, disgusting and absolute thieves. They refused to give me access to my policy for 10 months and when I blocked a direct debit as they again… Read more

failed to provide me with a policy document and login details they closed the policy. Never trust them, don’t take out a policy and I will be taking legal action.i have already complained to the Ombudsman and the ACCC. All this they did when I had an illness and they knew they causing me a great deal of stress.

Trauma insurance – Been with Asteron since 2008 trauma tpd ect. 15 years later 40k in premiums make a claim for basel cell carcinoma as this was traumatic to me only to… Read more

find out these were not covered, albeit I was told when I first purchased the policy I would be paid a lump sum in the event of any cancers. Went to the there IDR department obviously they found that they hadn’t made such claims in the policy and couldn’t verify If I was told that or not. However because it took them 10 days to return my call in the first instance they offered me $500 as a gesture of good will, and the goodwill gesture will expire 22/12/2023. If I had the opportunity again in 2008 to turn $40000 into $500 I wouldn’t do it again. Would you ?

Comminsure,seriously your response to explain why you are charging $600 a year more than other insurer. But your stance on not reviewing it is… Read more

disgusting .25 years we will not renew,your bank is holding people to ransom. Our one claim we made,you ducked and weaved ,even bringing your own so called experts. Lucky there is an ombudsman, otherwise customers are only there to add to your billions of greedy profit.

Gallagher Bassett didn't even read the evidence I provided them with for my injury claim. They then alleged that my claim was based off opinion vs… Read more

reality. Then they interviewed the person who bullied me about my claim, and he determined that the organisation did nothing wrong. and ironically Gallagher Bassett alleged that there was no conflict of interest while they investigated me via the person who had self determined to remove themselves from my employment decisions due to a conflict of interest.

Declined life insurance policy because gallbladder removed which is a very common proceedure and gallbladders can go bad at any age, ridiculous. Show details

Rethinking all my policies after being discriminated against! – I have an extensive history with mental health (anxiety, PTSD, OCD and panic disorder) which I am not afraid to talk about at all! I currently have… Read more

multiple policies with Allianz and am seriously reconsidering. After commencing work full time and look after my families financial future, I proceeded to amend my life insurance to include permanently unable to work.

I spent well over an hour on the phone awnsering all the questions and was denied based on my mental health history. I have been on medication to manage this for decades, see a psychologist regularly so I would consider myself relatively low risk as it is well managed.

I did some reading after this and Beyond Blue's Mental Health and Life Insurance Fact Sheet states "it is also unlawful under the Disability Discrimination Act for insurers to deny applications for insurance without having reasonable and relevant information and data to support their decision. Today, insurers have access to extensive medical information and very few applicants are turned down. product, its benefits and any limitations."

The decision that was made was based on vague questions that did not at all accurately represent my current mental health situation. I am deeply disappointed that a company we have been with for years has discriminated against me for my mental health.

Honestly thought they were just a scammer – Several weeks ago I tried applying for insurance through my super fund but their website was having issues. All the website would tell me is an error… Read more

occurred so I feel horrible for their IT department. What are they supposed to do with with "an error"? How can they diagnose anything from that vague of a message?

So I contacted my super, they asked for some details about my device and browser (again good luck diagnosing the issue without an error code), and I heard nothing back.

One evening I receive a call from an unknown number in Brisbane. Never called the number before, can't find it online, so I assume it's just spam. They leave a voice mail but I have dozens of those and there's no easy way to navigate through them, a lot of them are just scammers, so like most people I know I don't use voice mail. I make it a point in everyone I talk to that I wish to be emailed first before any calls so when I get an unsolicited call I can be even more sure it's likely just spam/a scammer.

I soon get an email from "MLC Life Insurance" who I have never heard of. They want me to schedule an interview, in the middle of the week during work hours, and with an estimated interview time of "60 minutes".

I never requested a phone application, I wasn't aware it was going to happen my super never told me about it, and I certainly didn't want unsolicited phone calls.

It took three minutes, and that's being generous, to just go with a different super. I found one with lower fees and higher returns and during that three minute set up I got insurance sorted. Another couple minutes at most to transfer my super and done.

Why would I spend an hour of my day giving extremely sensitive information to a stranger who made an unsolicited phone call, from a company I have never heard of? What was the plan? Call me, try to convince me you're definitely a legitimate insurance company my super fund uses, and then try to get all of my personal details?

The way them and my now previous super fund acted I genuinely thought they were just scammers.

Now I just know they're not good at customer service. Asking a customer to spend that much time so the customer can give you money is bizarre.

Ridiculous underwriting – I was just refused income protection because of a low grade abnormal pap smear result that I recently had, even though it was deemed clear after a… Read more

subsequent biopsy. I told them about the clear result, but this still wasn't good enough for them, makes no sense.

Underwriters need to look at their criteria as this is an extremely common result for women - doesn't mean much except docs will monitor. I was told "maybe next year if you get a clear result" - ridiculous as this isn't how pap smears work. Disgusted at the lack of knowledge and will be cancelling my current policy and never touching again.

WOULD NOT RECOMMEND The benefits and premiums paid are very good initially, BUT, disgusting rates are consistently implemented over the long term. Show details

AIA rung me Tuesday everything was organised yes we will send your information to your Solicitor good as I need doctors forms for Monday.Contacted… Read more

solicitor today no forms gave AIA another ring asked if they had sent my doctors forms to be filled out to my solicitors no we don't send them anymore just use your old ones you received last year.Bad practice that absolutely disgraceful.So I hang up and starting to get anxiety because this mob are so out of date with tpd.i decide to ring again ask about my paper work was told this time I need to get a initial letter that my solicitor is taking care of the matter for me.which they have my last 3 payments.never had to do this before.

Not fair – I personally think it is not worth it, but I have been with them too long. There needs to be a law where we can get our money back.