Last updated: August 2025
1. About this site
Life Insurance Guide is designed to help Australians better understand life insurance – in plain language, without sales pressure. We aim to explain key concepts clearly, share useful resources, and highlight the value of speaking with a qualified adviser.
While we take care to keep information accurate and up to date, it may change over time. Nothing on this site is personal financial advice, nor should it be relied on as the sole basis for making decisions. You should consider your own circumstances and seek advice from a qualified professional before taking any action. Always read the relevant Product Disclosure Statement (PDS) before applying for any insurance cover.
Our guides, tools and calculators are provided to help you make informed decisions – they are educational only and do not replace personalised advice.
By using this site, you agree to these Terms & Conditions.
2. For Consumers
The purpose of this site is to provide clear, independent information about life insurance and related topics.
Where we include an Adviser Directory, we use best endeavours to feature advisers who have provided details such as qualifications, experience and licensing information. However:
- We do not endorse or recommend individual advisers.
- We cannot guarantee the accuracy or completeness of adviser information, as this is provided by the advisers themselves.
- You should make your own enquiries before engaging any adviser.
Links to external sites, including ASIC registers, are provided for your convenience and should be used to verify an adviser’s credentials.
3. For Advisers
By participating in Life Insurance Guide – whether through a directory listing, content contribution, or other involvement – you agree to:
- Support the site’s purpose of lifting consumer understanding and confidence in life insurance.
- Foster a positive, educational tone in all contributions.
- Ensure all information you provide is accurate and current.
- Act in line with your professional and regulatory obligations.
We reserve the right to edit, update, or remove any adviser content or profile that does not align with our site principles of being informative, positive, independent, approachable, and compliance-aware.
4. Accuracy & Liability
We work hard to ensure our information is accurate and helpful. However, we make no warranties or guarantees about the content’s completeness, reliability, or suitability for your personal circumstances.
To the fullest extent permitted by law, Life Insurance Guide, Risk Hub, Point1 Pty Ltd, and any contributors are not liable for any loss or damage that may result from your use of this site, reliance on its content, or engagement with an adviser found through the directory.
5. Changes to These Terms
We may update these Terms & Conditions from time to time. Any changes will be posted on this page with the updated date shown. Continued use of the site after changes are posted means you accept the revised terms.