Life insurance

Don't wait until it's too late. Help protect you (and your loved ones) from those unexpected curve balls.

  • Get a quick quote and buy online, no medicals needed to apply
  • Flexible cover options with add-on benefits to suit your needs
  • Cover for up to $1.5million (depending on income)
Get a quick quote(opens in a new tab)

ahm health members get 10% off their premium!

Features and Benefits

What’s included

Cover for up to $1.5 million

Australian residents aged 18-55 can apply for life cover up to $1.5 million (depending on income).

Included benefits

A range of built-in benefits such as terminal illness and death advancement benefit.

Early lump sum payments

Early lump sum payment if you suffer a terminal illness to help with expenses such as mortgage payments or bills.

Easy claiming

Lodge your claim online 24/7, and get a dedicated claims consultant from the insurer to help you from start to finish.

ahm health member discount

ahm health members get 10% off their life insurance premiums every year.

Flexible payment options

Pick a payment option which works best for you - fortnightly, monthly or yearly (lower premium when you pay yearly).

Add ons

Critical illness

Cover for if you suffer from a specified critical illness condition listed in the PDS such as cancer (excluding early stage cancer), heart attack (with evidence of heart muscle damage), loss of independence (total and permanent) and open heart surgery.

Total and Permanent Disability (TPD)

Cover for if, due to illness or injury, you're assessed to be permanently unlikely to work in any occupation you're suited for.

Child Cover

Cover for your child aged between 2-19 yrs old if they were to suffer from a critical or terminal illness, or pass away.

Income Protection

Your backup plan in case you become unable to work due to injury or sickness.

Make a claim

Lodge your claim online 24/7.

You'll get a dedicated claims consultant from the insurer to help you through from start to finish.

Just need income protection?

Your backup plan in case you become unable to work due to injury or sickness. Check out our Income Protection Insurance so you can focus on the important stuff, like recovering.

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Common questions

Things you should know

ahm Life Insurance and ahm Income Protection (collectively ahm life insurance) are issued by the insurer, Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (Zurich). NEOS Direct, a registered business name of NDLI Pty Ltd ABN 70 665 747 277 AFSL 547119 distributes and services ahm life insurance which is promoted by ahm health insurance (ahm), a business of Medibank Private Limited ABN 47 080 890 259. Medibank Private Limited is an authorised representative AR No. 286089 of NEOS Direct.

Any advice provided is general only and doesn’t consider your objectives, financial situation or needs. You should consider these factors, the appropriateness of the advice, and carefully read the relevant Product Disclosure Statement (which sets out the product terms, conditions and exclusions), Target Market Determination and Financial Services Guide before making a decision to acquire, or continue to hold, the product.

Your personal information will be handled in accordance with the Privacy Policies of the parties involved. Click here for NEOS Direct’s Privacy Policy(opens in a new tab), ahm’s Privacy Policy or Zurich's Privacy Policy(opens in a new tab).


Lump sum payable if you suffer a terminal illness and your life expectancy is 12 months or less. For the definition of terminal illness, please refer to the PDS.


Subject to satisfactory evidence that the Death Benefit will be payable. The Life Cover sum insured will be reduced by the amount paid under this benefit. For the definitions, please refer to the PDS.


For details on the optional Critical Illness Cover, TPD Cover, Child Cover, and Income Protection including definitions, qualifying periods and eligibility criteria, please refer to the PDS.