How it works

1. You check your eligibility here

Three questions: your age, whether you’re an Australian resident, and roughly how much cover you’re interested in.

We don’t ask for your name, email address or phone number, and none of your answers identifies you. We only ask what we actually need: age and residency are the two eligibility rules in the Product Disclosure Statement, and your age decides which cover amounts we can honestly show you.

If your age falls outside 40 to 80, or you’re not an Australian resident, we tell you straight away and stop. We don’t pass you on and we don’t take your details.

2. You give your details to Golden Insurance

If you can apply, we send you to Golden Insurance’s own website. They ask their own questions, ask for your contact details, and ask for your consent to call you. That part happens on their site, under their licence — we’re not involved in it and we never see what you enter.

3. Golden Insurance calls you with a quote

One of their consultants calls, asks some health and lifestyle questions, and quotes you a premium. You answer some health and lifestyle questions. There are no medical exams or blood tests.

Quotes are given over the phone by Golden Insurance. There is no online purchase. Neither we nor Golden Insurance can sell you a policy through a website, so if you’d rather not take a call, this isn’t the right route for you.

What the cover actually is

• Pays a lump sum if you die, or if you are diagnosed with a terminal illness.
• Cover from $10,000 to $250,000^* (see footnote * at the foot of this page), with the maximum depending on your age when you apply.
• Australian residents aged 40 to 80 can apply.
• You can only insure your own life. Golden Insurance does not offer joint policies — you and your partner would each apply separately.
• Premiums are variable age-stepped, which means they generally increase each year as you get older.
• There is a 30-day cooling off period.

This product covers death and terminal illness only. It is not total and permanent disability cover, trauma cover or income protection — if that’s what you’re after, Golden Insurance doesn’t offer it.