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Get 10% off ahm life insurance

Sign up to ahm life insurance by 31 July 2024 and you'll enjoy 10% offº your premium in the first year. Plus, ahm health members enjoy an extra 10% off.

  • 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!

Finder innovation award 2023

We’re ‘best tech innovation’ award winners!

ahm life insurance has won the 'Best Tech Innovation' award and were finalists in the 'Digital Disruptor of the Year' award for the 2023 Finder Innovation Awards(opens in a new tab).

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.


Terms and conditions First year discount - ahm Life Insurance and ahm Income Protection - Offer starts 12.01am AEST on 7 May 2024 and ends 11.59pm AEST on 31 July 2024 (Promotion Period). Customers who purchase an ahm Life Insurance or ahm Income Protection policy for the first time (Eligible Policy), either online or over the phone during the Promotion Period will receive a 10% discount (Discount) on the premiums payable during the first 12 months their policy is in force. The Discount will also apply to any customers who start or resume their application of an Eligible Policy, during the Promotion Period, and then complete the purchase of the same application prior to that application expiring. Where a customer purchased an Eligible Policy prior to or during the Promotion Period, and then adds additional cover types via a separate application during the Promotion Period (TPD Cover, Critical Illness Cover or Child Cover), the Discount will not apply to these additional cover types. Where a customer is an ahm health member, the Discount is in addition to the standard 10% health member discount. The two discounts combined, amount to a total of 20% off the first year’s premiums. ahm health members continue to receive 10% off their premium every subsequent year, for so long as their health membership is maintained. All discounts are applied to the annualized premium amount and before the deduction of all applicable taxes. The Discount will end on the first policy anniversary date. The period that the Discount applies for will not change or extend despite the use of the Premium and Cover Pause Benefit, or the waiver of premiums in relation to an Income Protection claim (as outlined in the relevant PDS). All terms and conditions, waiting periods, limitations and exclusions will apply to all cover purchased in accordance with the relevant PDS. We reserve the right to change the Promotion Period of the Discount. The Discount only applies if it is shown on the quote provided when applying. Not available with any other offer except for the ahm health member discount.