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Compare.
Don't overpay.

Life Insurance and Income Protection rates have changed sharply over the last 3+ years.

Compare Now

Life insurers examine pricing annually, which means many policyholders overpay for years.

Life Insurance Broker

We've helped Australians for over 35 years
We're a third generation family business
And we're not owned by any bank or life insurance company

Let's find out if you're overpaying

Key factors we consider when comparing your policy include:

Premium Rates
Loadings
Exclusions
Occupational Categories
Age of Life Insured
We use IRESS XPLAN Life Research especially designed for financial advisors which allows us to provide professional research on individual Life Insurance policies.
If your policy has not been compared in 3 years or more, the amount you are paying extra can easily run into hundreds or thousands of dollars.
It's simple & easy to compare your policy!

It's smart to compare

Bill, a 62 year old builder, was overpaying by 23% on his Term Life Insurance
Stephen, a 63 year old builder, was overpaying by $752 on his Term Life Insurance
Ron, a 53 year old wall & floor tiler, was overpaying his Term Life & TPD Insurance by $1,881 per year
Tony, a 45 year old horticulturalist, reduced overpaying by 17% on his Term Life and Trauma Insurance
Matthew, a 50 year old electrical contractor, was overpaying his Term Life, TPD and Trauma Insurance by 22%
Dianne, a 61 year old pet boarding owner, was overpaying her Term Life insurance by $76 per month
Jeff, a 39 year old builder, was overpaying his Income Protection, Term Life & Trauma Insurance by $1248 per year
Louise, a 54 year old home support nurse, was overpaying her Income Protection by $3660 per year
Leighton, a 44 year old plasterer, was overpaying his Income Protection and Term Life insurance by $2147 per year
Sean, a 59 year old roof plumber, was overpaying his Term Life & TPD insurance by $122 per month
Nicola, a 59 year old bookkeeper, was overpaying her Term Life insurance by 22%
Janet, a 59 year old full time carer, was overpaying her Term Life insurance by $1896 per year
Georgina, a 46 year old nurse, was overpaying her Term Life and TPD insurance by $827 per year
Thomas, a 48 year old foreman, was overpaying his Term Life and TPD insurance by $509 per year
Katie, a 53 year old bookkeeper, was overpaying her Term Life, TPD and Trauma Insurance by $65 per month
David, a 61 year old builder, was overpaying his Term Life insurance by $759 per year
Tony, a 40 year old carpenter, was overpaying his Income Protection by 42%
Kyle, a 53 year old tiler, was overpaying on his Term Life and TPD insurance
Chris, a 40 year old electrician, was overpaying his Term Life and TPD insurance by 25%
Matthew, a 52 year old general manager, was overpaying his Term Life insurance by 42%
Neil, a 46 year old doctor, was overpaying his Income Protection, Term Life, TPD and Trauma Insurance by 21%
Vikki, a 52 year old office assistant, was overpaying her Trauma Insurance by 17%
Angelo, a 52 year old plumber, was overpaying his Term Life insurance by 24%
Michelle, a 56 year old bookkeeper, was overpaying her Term Life insurance by $563 per year

The information shown is based on comparisons between clients' existing coverage and similar insurance policies available in the market. Names have been changed to protect privacy. All examples are based on real policy comparisons conducted by Ross Forsyth Insurance.

We compare policies from over 600+ occupations

We've got you covered - no matter what your occupation.

Whoever you are
Whatever you do
We can help you

Are you paying too much for your Life Insurance?

Use our Policy Comparison Service and find out

It’s smart to compare your insurance policy every 3 years as life insurance companies update their policy conditions annually. This directly impacts how much you pay. The following policy conditions often change...

  • Premium Rates In recent years, many insurers have significantly raised premiums, both for variable and age based stepped premium policies.
  • Loadings & Exclusions Definitions for medical conditions, pastimes, and occupations can vary widely between insurers, affecting what your policy covers.
  • Occupational Categories Different Life Insurance companies classify occupations differently, and these classifications are regularly updated, which can alter your premium.
  • Age of Life Insured It's widely known that different Life Insurance companies target different age brackets with more competitive premiums.

In summary, this means that the pricing and coverage of policies from different Life Insurance companies are constantly changing.

Compare your Life Insurance or Income Protection at no cost...

It's simple & easy!

Compare Now

Frequently Asked Questions

What insurance companies are eligible?

All the major retail Life Insurance companies are eligible including:
 • AIA Australia
 • ClearView Life
 • Encompass Life
 • Integrity Life
 • MetLife
 • MLC
 • NEOS
 • OnePath
 • TAL
 • Zurich

What insurance policies are eligible?

Most retail Life Insurance policies are eligible including:
 • Life Insurance
 • Income Protection
 • Term Life Insurance
 • Total & Permanent Disablement Insurance
 • Trauma Insurance
 • Critical Illness
 • Business Expense Cover

These Life Insurance products may cover a range of purposes including Mortgage Protection Insurance or Loan Cover Insurance. Your policies can be inside or outside superannuation.

Do you charge fees to compare policies?

No, we do not charge fees to compare policies. We rely on Life Insurance companies remunerating us via commissions for servicing clients.

Is age a factor?

No.

Why use our Policy Comparison Service?

Our extensive expertise in Life Insurance and strong relationships with underwriters allow us to review your policy and secure better pricing and terms for you.

We also use IRESS technology, specifically designed for financial advisers, to help us determine how much clients are overspending.

Who is Ross Forsyth Insurance?

Ross Forsyth Insurance is a Life Insurance Advisory business established in 1986. Ross Forsyth, the founder has been providing risk insurance advice for over 35 years and is part of the Forsyth family who have provided insurance advice for over 3 generations.

Will Ross Forsyth be my servicing advisor?

Yes, Ross Forsyth will become your servicing advisor.

We have outlined the common questions above. Feel free to contact us if you have any other questions.

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Our product selection

  • Income Protection

    Protects your ability to earn an income. If you're sick or unable to work, Income Protection provides you with cover.

    Find out more

  • Term Life Insurance (Life Insurance)

    An affordable way to financially protect your family, business and assets in the case of an unexpected death.

    Find out more

  • Trauma Insurance (Critical Illness)

    Pays you a tax-free cash lump sum if you suffer a serious medical condition such as heart attack, cancer or stroke.

    Find out more

  • Total and Permanent Disablement Insurance (TPD)

    If you become permanently disabled and can no longer work, this cover pays you a lump sum to help you adjust to your new lifestyle. You can use this to pay off debts, your mortgage, pay for medical rehabilitation and so on.

    Find out more

Your Insurance. Your way.

For over 3 decades Ross Forsyth Insurance have supported thousands of Australians and arranged insurance cover for individuals, families and businesses.

Contact Us