Best Life Insurance

Jaren was very friendly, helpful and efficient in his service today. He has made the whole process easy and understanadable. Thank you. Show details

I received all the information needed to make an informed decision when choosing a policy best suited to my situation. The assessor was friendly ,… Read more

easy to engage in conversation and ensured that any information given to me was accurate and understood.

Robert has been extremely patient following up with me despite my very busy schedule and slow responses, and he has also kindly explained things I didn't understand without making me feel stupid. Great service, and very much appreciated!! Show details

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

Extremely disappointing. Think twice before trusting NobleOak. 16 months after lodging my income protection claim and I'm still told to wait , 16… Read more

monthly payments withheld and haven't even received a decision . Every excuse imaginable, endless delays, unanswered phone calls, rude staff and absolutely no accountability. NobleOak is quick to boast about its awards and how great its insurance is, but when it comes time to actually pay a claim it's the complete opposite . I paid for income protection for peace of mind, only to be left in severe financial hardship when I needed it most. Don't make the same mistake I did. Don't judge them by their advertising and awards. Judge them by how they treat you when you actually need to make a claim. Untrustworthy, careless and absolutely pathetic customer service. Would not recommend

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 ?

This is the worst company that anyone could ask for, both from an employer and injured person's perspective. They do things at snails pace. Service… Read more

is exceptionally bad. People that work here have clearly checked out. If in doubt, refer to media reports that were made recently

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.

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

I was laid up needing emergency abdominal surgery and had been paying premiums for life and injury insurance for 20 years. They refused to pay me a… Read more

dollar for my abdominal problem which had put me out of work for two months. I am a doctor and this was devastating. They actually had the gall to send me multiple communications asking me if I want to review the policy. They only pay out for conditions which are on their illness list which include things like multiple sclerosis which are very rare. Anything common is not covered and definitely not paid for this policy was not worth the paper. It was written on and I sincerely regret ever having anything to do with these people. My advice is to avoid Acenda and go elsewhere for your insurance needs. My financial advisor actually laughed at me when I told him what had happened and I obviously do not use him any more either.

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.

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

After years of being a loyal AIA customer with multiple policies, I was hit with an unexpected 50% premium increase at the end of the financial year.… Read more

When I reached out for an explanation, I received complete silence. I followed up stating that the spike was unacceptable and that I’d be forced to cancel without a reasonable explanation. Instead of addressing my concerns, they simply sent me a cancellation form. Zero explanation, zero customer service, and zero regard for long-term policyholders. Customer loyalty clearly means nothing to them—I strongly advise looking elsewhere.

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.