Life insurance
Get 1 month free* in your first year with ahm Life Insurance (excludes Cash Boost). Purchase by 30 Nov.
- Get a quick quote and buy online, no medical tests needed to apply
- Flexible cover options with add-on benefits to suit your needs
- Cover for up to $1.5million (depending on income)
ahm health members get 10% off their premium every year!
ahm's award-winning Life Insurance!
We're proud winners of WeMoney's Digital Life Insurer of the Year 2026(opens in a new tab) award and recognised for Best for Entry-Level Life Insurance 2026(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 ahm Life Insurance premiums every year (excludes ahm Cash Boost).
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.
Handy links
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).
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Things you should know
Offer starts 12:01am AEDT on 20 October 2026 and ends 11:59pm AEDT on 30 November 2026 (Promotion Period). Offer provides new customers with one month free in their first policy year (Discount) when they purchase ahm Life Insurance and/or Income Protection Insurance (Eligible Policy) during the Promotion Period, and provide the offer code AHM1MF, either on-line or over the phone. ahm Cash Boost policies are not eligible for this offer.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. ahm health members continue to receive 10% off their premium every subsequent year, for so long as their health membership is maintained. 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). The ahm health member discount does not apply to ahm Cash Boost.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 and/or application provided when applying. Not available with any other offer except for the ahm health member discount.1Lump 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 ahm Life Insurance PDS.2Subject to satisfactory evidence that the Death Benefit will be payable. The Life Cover sum insured (and if applicable, any TPD and/or Critical Illness sum insured) will be reduced by the amount paid under this benefit. For the definition of Death Benefit, Death Advancement Benefit and full terms and conditions please refer to the ahm Life Insurance PDS.3Eligibility criteria apply. Please refer to the ahm Life Insurance PDS and Income Protection PDS.^For details on Life Cover and optional Critical Illness Cover, TPD Cover, Child Cover, and Income Protection, including definitions, qualifying periods and eligibility criteria, please refer to the ahm Life Insurance PDS and ahm Income Protection PDS.