ClearView Life insurance

Worst insurance company I have ever dealt with. They are very prompt when it comes to deducting premiums, but obtaining clear information about what is actually covered is unnecessarily difficult. Every year I find myself having to repeatedly contact them to clarify policy details and request tax invoices that should be provided automatically. … Read more

The policy wording and coverage explanations are confusing, convoluted, and lack transparency. Basic information should not require multiple emails and follow-ups to obtain.

Overall, a frustrating experience with poor communication and customer service. I would not recommend them based on my experience.

Very disappointing. Terrible communication. After decades of playing premiums that have regularly increased they continually failed to act on my instructions to reduce my cover. Weekly phone calls and numerous emails did not help. Emails with no attachments to print or not sent at all. 2 months later they kept giving me different dates for the amendment to take affect. DO NOT WASTE YOUR MONEY WITH THIS DISHONEST COMPANY! Show details

Very disappointing. Terrible communication. After decades of playing premiums that have regularly increased they continually failed to act on my instructions to reduce my cover. Weekly phone calls and numerous emails did not help. Emails with no attachments to print or not sent at all. 2 months later they kept giving me different dates for the amendment to take affect. DO NOT WASTE YOUR MONEY WITH THIS DISHONEST COMPANY! Show details

Predatory practices when you product is about to expire; they only give you 5 calander days to respond and if you don’t they just walk away after decades of insurance with them. Dont use, if you do be well aware Show details

Hey Guys, stay away from this insurance company.premium increase unafforably year on year. I have to pay premium of nearly 800 AD per month .unaffordable. looking for better company. Don't post copy paste reply without any help. Terrible. This company needs to be investigated Show details

This company needs to be investigated, They don't do things in accordance to their own rules, Avoid this company! Show details

Awful, truely awful. They have dragged my claim out for months on ends. Emails after emails, I even had a phone call with one agent, Mark Sargent, who called me a liar and was extremely rude, upon asking for the transcript of the phone call that left out chunks of the call, if you are ever one a phone call with anyone from this clearview I would… Read more

highly recommend recording it yourself. After being called a liar and requesting a transcript of my phone call I was put onto another agent.

They emailed my employer multiple times requesting the same information even though they got the same answers every time.

They rarely email you back on time. When they raise one issue with your claim and you answer it fairly and it can no longer fit their narrative they will look for another issue to try to deny your claim.

You ask for complaint numbers or to discuss these issues with the complaints team you get a poor response saying the complaints team “had no input”

Avoid at all costs.

This company could not care less, they constantly change who your point of contact is, monthly they have data entry errors, dont send out payment summaries, change dates when you get paid, pay two months of payments over the Christmas period with no notification. They are lazy, quite happy to take your money but take their sweet time when you need to claim. Avoid this company and find elsewhere without the monthly headaches! Show details

Terrible – I wouldn’t give a star if I could Absolutely Terrible Over 7 days to send the initial claim forms after 2 reminders Take 3-5 days to reply to emails and forget returning phone calls Then ignore your calls as they screen check you and say sorry there not available From the start they make it so differcult to claim And then start with the policy wording to give you nothing .. disgusting disgraceful insurance company Show details

Bad service, or no service, – Paying life insurance, terminal illness and vehicle accident cover over 16 years. Payout apparently was switched off from increasing from start of policy without my authority. Called to confirm why,and what I'm covered for with no reply,no update of notes which I called and requested updates , everything I rang to update every year had never been… Read more

updated on their side. Still had old email I asked to update 10years ago. Rang to update details again last Friday,told all up to date and will recieve a call from manager and email confirming updates and policy by today Monday. 3rd week in a row never happened. Contacted them again since they didn't and again nothing updated on their end as requested. I asked to speak to a Manager only to be told the Complaints manager is busy handling other complaints...red flag when everyone else does absolutely nothing working for clearview and only one department is flat out ..The Complaints Department...! Then got told to fill out the complaints for and they will contact me..wow, some how dont think thats going to happen.No notes,no requested call back by any Manager title, claims, nothing, I haven't made a claim the 16 years I been with this policy and they can't even return my call..thinking what will my family go through if I had made a claim!.this was just an enquiry!.My payout amount never increased with CPI,yet they were happy to increase me and my wifes same policies from $90 month to $300 for the same non increased amount. It's like rates increased in property, but property never increased in 16 years, never had an email or phonecall to see if my amount is still ok. Also my continued policy certificate covered me for death,terminal illness and vehicle accident which i was charged for yet on their end only showed death, seems to me nothing CLEAR ABOUT CLEARVIEW ADMINISTRATION! Very disappointed, I didn't pick this company my original MBF insurance just passed us onto them when they had enough.waste of money, waste of time,don't waste your breath,sounds like old austar they thought they are untouchable and can't lose enough clients and look what happened to them when there shocking reviews started to stack up and people moved to better deals and service. If managers can't show good service example what chances do you think you have from trying to discuss your unclear policy to a rooky over the phone. Good luck.

Terrible Company – Very unprofessional and pathetic administration. When trying to cancel the policy, they blamed it on system malfunctions and lost emails. They continued to take another 4 months worth of premiums at over $3000 and it is STILL NOT RESOLVED. Won't cancel the direct debit from my bank. Making me submit the cancellation request AGAIN despite having record of the original paperwork submitted from over 4 months ago. LOOK FOR ANOTHER PROVIDER PEOPLE Show details

Best to avoid – End to end awful experience with such an uncaring company. They do nothing to help there customers and only to benefit the business owners. Show details

Stay away! – They didn't pay me for a knee injury, made me wait over six months for forgetting to say I first applied for mental health medication at 15 not 16.... stay away. I would rate them no stars if I could. I suffer from depression and anxiety and this is the medication im talking about....they are happy to take your money but won't pay. Horrible company. Show details

Don’t touch !!! – These are the companies that give the industry a bad name !!! Take your money / vary your policy yearly and increase premium!! Wait for claim and find to loophole from over 10 years prior that had no bearing on claim !!! Ombudsman even overruled their decision not to pay after having a stroke !!! No Thankyou !! Duds Show details

Stay far far away from this company – Husband has been fighting a tpd claim since 2019. They are rude, and un-helpful and will manipulate words to justify their decisions. Lawyers still fighting for us when the claim should have been simple. Will never go anywhere near them again. Show details

Extremely difficult to deal with as a customer – Trying to get any details and documents is extremly difficult to deal with and takes ages on the phone to get through to anyone. Show details

level premiums which huge increases – We cancelled our policies with Clearview. They offered us a good deal at the start and we went with level premiums (accepted the higher premium to a stepped policy) . First 2 years no big increases and then the drama started. Every year more than $ 500 premium increases although we were on a level premium. Not much you can do about it as this… Read more

industry in Australia seems to be able to increase without providing data for the customer to verify. I guess many people accept it and pay as they feel trapped in the system. Be very careful with the level premiums as they are not what they tell you when you sign your contract.

False Advertising - Unauthorized manipulation of my Life Policy for my Wife- held for 15 years – False Advertising,- Not reality - total fabrication of what you get - With the recent passing of my wife absolutely no compassion or justice, extremely frustrating experience, - payment of claim withheld as they had unlawfully switched the Policy owner,- Extra expense to engage a Lawyer to untangle what was a simple policy, Claim still not… Read more

resolved,-Very laxest in expediting payments, could be another 3-4 weeks - Issues so bad that i intend to inform in detail all the relevant Authority"s, of their unbelliveable attitude and behaviour which has nothing in common with the Life Insurers code of practice of which they are a member. Whilst promoting their 4 star reviews note - none of which has made a claim yet? Warren Williams

Great – I had life insurance with Clearview 2 or 3 years ago I did it over the phone so it was nice and easy.when they make a mistake they let you no and they pay you the money they owe you.After 3 years I forgot I even had a polacey with them in July they emailed me coz I had changed banks and they wanted to give me half my money back + 10% on top of that with in 3days my refund was in my bank.  Show details

Caution: opportunistic premium increases – Year-on-year increases in income protection insurance premium: 2016: 6.09% 2017: 23.02% Note that this is for LEVEL PREMIUMS, which are promoted (across the industry) as being relatively constant over time. This dwarfs the increases in my STEPPED income protection policy, let alone private health insurance premiums. Therefore, I would… Read more

caution any prospective consumers considering:

(a) Clearview Life income protection products;

(b) Especially level premium policies, given that policyholders are effectively locked-in (pre-existing medical conditions), and are therefore vulnerable to opportunistic pricing in subsequent years;

(c) That is, the heavier upfront costs of level premium policies provide no protection against exploitation by insurers.

I also note that previous negative reviews for this insurer had been removed from this website, and that many "positive" reviews for this insurer have been posted to alternative websites. I note that Clearview is an ASX-listed entity, and has been the subject of M&A activity.