What is best life insurance in Australia in 2025-2026 according to Canstar, Finder and ProductReview is TAL Life Insurance rated best overall with 4.8 stars, followed by AIA, Zurich, MLC and OnePath, with premiums $30 to $80 per month for $500K to $1M cover. Best life insurance should offer $500K to $2M cover, terminal illness, funeral advance $10K, financial advice $2K and fast claims 14 days, costing $40 to $60 per month for $750K cover for 35-year-old non-smoker. TAL rated best overall with 4.8 stars from 2,000 reviews, costing $50 per month for $750K cover, offering $500K to $2M, terminal illness, 14-day claims and $8B claims paid per year, with 60% market share via super and retail. AIA rated best value with 4.6 stars, $45 per month for $750K, offering AIA Vitality discount 10% for healthy living and $2M cover. Zurich rated best comprehensive with 4.7 stars, $60 per month for $750K, offering $2M cover and disability bundle. MLC and OnePath rated best inside super with 4.5 stars, $30 to $50 per month for $500K via super. So best life insurance in Australia is TAL for overall with 4.8 stars, AIA for value, Zurich for comprehensive, all paying $500K to $1M lump sum if you die, costing $30 to $80 per month, essential if mortgage $500K and dependents, with TAL best claims service.
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