How we work

Read. Enquire. Talk to someone licensed.

lifecovers publishes free education on Australian life insurance. When you're ready to talk, you fill out a short form. We pass your details to a licensed Australian partner practice. They aim to call you back within 24 hours of your enquiry (business days). No charge, no obligation.

Free Everything on this site
1 Partner practice per enquiry
24h Callback aim (business days)
0 Cost to you, ever

Quick answer

How does lifecovers work?

lifecovers publishes free, plain-English education on Australian life insurance, income protection, TPD and trauma cover. When you enquire, your details go to a licensed Australian partner practice, not lifecovers. A licensed practitioner from that practice aims to call you back within 24 hours of your enquiry (business days). lifecovers is not paid for the referral.

Reviewed 26 July 2026

The three-step model

Three steps. No surprises.

Read free education at your own pace, then enquire when you're ready.

  1. Read

    Browse the pillar hubs, guides, life-stage pages, and glossary. Everything is free. There is no paywall, no email gate, and no obligation to enquire to access it.

  2. Enquire

    When you want a real conversation, fill in the short enquiry form. We collect your name, contact details, postcode, age range, and a short note about what you are looking at.

  3. Callback

    A licensed practitioner from our partner practice aims to call you back within 24 hours of your enquiry (business days). They discuss your situation, answer questions, and quote cover if you want them to.

What happens when you enquire

One enquiry. One practice. No marketing list.

Your enquiry is routed to a licensed Australian partner practice. We do not pass it to a panel, an auction, or a marketing list. The partner practice that receives your details is the only party that contacts you on our behalf. The fields we collect are administrative, and we ask you not to include health or financial details in the optional note. The partner practice asks any health questions directly, in line with their own underwriting process.

A licensed practitioner on a phone call with a client

Our role

What lifecovers does (and does not do)

lifecovers is an editorial site. The licensed conversation happens with the partner practice, not with us.

We do

  • Publish plain-English general education about Australian life insurance
  • Connect enquiring readers with a single licensed Australian partner practice
  • Disclose how the referral model works on every page
  • Delete your enquiry from our records on request
  • Earn nothing if you never enquire or never take out cover

We do not

  • Provide financial product advice (we are not licensed to)
  • Pass your enquiry to a panel, auction, or marketing list
  • Name, rank, endorse, or score insurance products or insurers
  • Receive payment from insurers directly
  • Charge you anything: reading and enquiring are both free

How this is funded

No fee. Not from the partner. Not from you.

lifecovers currently receives no payment for referrals: nothing from the partner practice, nothing from any insurer, and nothing from you, whether or not you take out cover. The partner practice discloses its own remuneration in the documents it provides. lifecovers currently receives no payment for the referral.

If you read every page on the site and never enquire, lifecovers earns nothing from you, and that is fine. The site is built to be useful even if you never make contact.

We do not receive payment from insurers. We do not run advertising. We do not sell or rent your personal information. If we ever introduce a referral fee, we will update our disclosures before it takes effect.

Your rights

You can step away at any point.

1
Reading a page

Does not commit you to anything.

2
Filling in the form

Does not commit you to anything beyond accepting the callback.

3
Taking the callback

Does not commit you to taking out cover.

4
Taking out cover

Retail life insurance generally comes with a cooling-off period of at least 14 days; the PDS sets the exact terms and refund conditions.

If you want your enquiry deleted from our records, email [email protected]. We action deletion requests and confirm in writing, unless the law requires us to retain something.

FAQ

Common questions about how lifecovers works

Will I be charged for using lifecovers?

No. Reading the site is free. Enquiring is free. The callback from the partner practice is free. If you take out cover, the partner is paid by the insurer in the standard way. lifecovers currently receives nothing for the referral, and none of this comes out of your pocket.

Who calls me back?

A licensed practitioner from a licensed Australian partner practice. They hold an Australian Financial Services Licence or act as an authorised representative of one, and are subject to the Corporations Act's advice and disclosure obligations. The partner practice identifies itself when it contacts you.

Can I just read the site without enquiring?

Yes. Most of our visitors do exactly that. There is no paywall, no email gate, and no requirement to engage to access the content.

What if I do not want to proceed after the callback?

You walk away. Nothing proceeds without your say-so: you are never obliged to apply for or take out cover. There is no penalty. Our partner practice contacts you about the enquiry you submitted, nothing else, unless you ask, and there is no consequence for lifecovers.

How is my data handled?

We pass your enquiry to one named partner practice. We do not sell or rent your information. We provide your details solely so the partner can respond to your enquiry; their own privacy notice governs their handling. Read the privacy policy for the full detail.

What if I have a complaint?

For complaints about lifecovers content, email [email protected]. For complaints about the partner practice or the cover they arrange, contact the partner directly first. If you cannot resolve it with the partner, you can escalate to the Australian Financial Complaints Authority (AFCA).

Ready to talk?

Fill in a short form and a licensed practitioner aims to call you back within 24 hours (business days).

No obligation, no charge. You decide what to do next.

Enquire now