When you apply for life insurance (such as life cover, total and permanent disability, or critical illness policies), insurers evaluate various factors, including your BMI. A higher BMI can sometimes lead to higher premiums or loadings due to increased health risks. On the flip side, maintaining a healthy BMI can unlock real savings. Several insurers offer premium discounts—often lifetime—for applicants in certain BMI ranges at the time of application.

Unpack the life insurance underwriting process in Australia. Learn how insurers assess risk, what health markers matter, and how to prepare.

Discover how health checkups impact life insurance premiums in Australia. Learn when to test, what insurers assess, and how to optimise your cover.

What to do when the unexpected happens — and how to set yourself up for success before it does.

Wishing you all a happy and safe Easter

Move More, Sit Less, Sleep Better: Australia’s 24-Hour Movement and Home Exercise Guidelines That Could Boost Your Health (and Maybe Your Insurance Premiums Too)

Understanding the main reasons helps you stay in control. There are usually three key drivers of premiums: your policy structure and personal factors, broader claims trends (including health and wellness patterns), and economic conditions like the recent RBA moves. Knowing these empowers you to review your cover and potentially optimise costs without compromising protection.

TPD insurance is about protecting your future income and lifestyle—not just getting any payout, but the right one when you need it. The choice between Own Occupation and Any Occupation can make a huge difference in a claim scenario.