Your policies
Your policies
Your policies in plain English.
Upload a policy. We show what it covers, for how much, the waiting period and when it renews. Below: what you must tell an insurer, and how claims and complaints work.
- Plain-English read-back
- Requirements marked
- Every cover explained
Read my policy
Drop a policy schedule or certificate here, or forward it from your inbox. We keep the cover details, never the file or any medical detail.
- Insurer
- Example Life Ltd
- Pays
- $4,200 a month if you cannot work
- Waiting period
- 90 days
- Benefit period
- 2 years
- Premium
- $612 a year
- Renews
- 14 March 2027
- Note
- Pays only while you can legally work in Australia, per its terms
What to know
What we do
- Read your policies back in plain English
- Mark which covers are requirements
- Tell you before cover renews or lapses
- Introduce a licensed broker or adviser if you ask, and tell you first if we are paid
What we don’t
- Recommend a policy or an insurer
- Arrange cover or advise on it. A licensed insurer, broker or adviser does that
- Keep the policy file, or any medical detail in it
- Pick which gaps to mention. If a gap applies, it is raised for everyone
Before you sign
What to tell an insurer, and your cooling-off period.
An insurance policy is a contract. The law sets what you must tell the insurer before it starts and how long you have to cancel.
What you must tell the insurer
Life, income protection and general insurance
Since 5 October 2021 the duty on a consumer policy is to take reasonable care not to misrepresent anything in answer to the insurer’s questions. If something important is left out, the insurer can change or cancel the cover, or refuse a claim.
- Reasonable care is judged on the questions asked and how clear they were, among other things.
- It applies to new policies, renewals and changes.
Source: Insurance Contracts Act 1984, section 20B; ASIC; Moneysmart.
Premiums and cooling off
Before you sign, and after
- Variable age-stepped premiums are recalculated at each renewal and generally rise with age.
- Variable premiums start higher and do not rise because of age, so they generally rise more slowly.
- A new or renewed policy can be cancelled for a refund within 14 days; life insurers under the industry code give 30 days from issue.
- Add-on insurance, sold with a car or a loan, cannot be sold until 4 days after the main product.
Source: Moneysmart, July 2026; Corporations Act, section 1019B; Life Insurance Code of Practice 2025; ASIC RG 275.
Claims and complaints
Claim deadlines, and where to complain.
A claim asks your insurer to pay. Life insurers have deadlines to decide, and a free complaints service handles disputes.
Making a claim
Life, TPD, trauma and income protection
Life insurers under the industry code decide within 2 months for income protection and other income-related benefits, and within 6 months for a lump sum. The clock starts when the claim is received or the waiting period ends, whichever is later.
- If a decision is delayed by something outside the insurer’s control, it must explain why and update you every 20 business days.
- A claim still undecided after 12 months goes to a senior review.
- With your approval, we can ask where your claim is up to. Arguing a claim is a licensed service for a lawyer or licensed adviser.
Source: Life Insurance Code of Practice 2025, paragraphs 5.59 and 5.60; ASIC.
If you disagree
Any insurer
Complain to the insurer first. If its final answer doesn’t settle it, the Australian Financial Complaints Authority can review it for free.
- Go to AFCA within 6 years of becoming aware of the loss, or within 2 years of the insurer’s final answer, whichever comes first.
- AFCA can accept a late complaint in special circumstances.
Source: AFCA.
What we do
- Ask where a claim is up to, on your approval
What we don’t
- Argue a claim for you. That is a licensed service; a lawyer or licensed adviser does it