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Insurance Price Check

See how your policy stacks up! Our results indicate over 50% of people overpay*

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Only takes 1–2 mins to apply

* Based on policy price checks done over the last 3 years. Life Insurance and Income Protection premiums rise each year adding to cost of living pressures for many Australians. Due to day-to-day demands, regular pricing checks fall behind and most people don't even know they're overpaying.

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

See how your Life Insurance stacks up

We consider multiple factors including…
Premium Rates
Loadings
Exclusions
Occupational Categories
Age of Life Insured
Using "Iress Xplan Risk Researcher" technology, built for financial advisors, we measure your premium against the lowest available from our panel of life insurers to show where you may be overpaying.
If your policy has not been compared in 3 or more years, the amount you are paying extra can easily run into hundreds or thousands of dollars.
It's simple & easy to price check your policy!

Why it's smart to use
Insurance Price Check

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
Adam, a 50 year general manager for a large building company, was overpaying his Term Life insurance by 31%
Tony, a 40 year old carpenter, was overpaying his Income Protection by 42%
Michael, a 66 year old financial advisor, was overpaying on his Term Life by 29%
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

How Insurance Price Check works

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!

Start Insurance Price Check →
General Advice Warning: The information on this page does not take into account your objectives, financial situation or needs and because of that before acting on this advice, you should consider the appropriateness of the advice, with regard to your objectives, financial situation and needs.

Frequently Asked Questions

Why use Insurance Price Check?

Life insurance and Income Protection prices have changed significantly in the last 3 years. Many Australians are unknowingly paying more than current market rates for a policy that was competitive when they first bought it.

Our Insurance Price Check service is a simple way to ensure you…
    • Are not overpaying
    • Gain peace of mind
    • Take control of your insurance spend

When reviewing policies, our extensive expertise in life insurance and strong relationships with underwriters can lead to improved underwriting outcomes. We also have access to preferred pricing.

What Life Insurance companies do we compare?

We compare all the major retail Life Insurance companies including:
    • Acenda
    • AIA Australia
    • ClearView
    • Encompass Protection
    • MetLife
    • MLC
    • NEOS
    • NobleOak
    • OnePath
    • PPS Mutual
    • Real Insurance
    • TAL
    • Zurich

What insurance policies do we compare?

We compare most retail Life Insurance policies 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.

I have a loading or exclusion on my existing policy can I still use Insurance Price Check?

Yes you can use Insurance Price Check. Don't let an exclusion or loading stop you from getting your pricing checked. You might still retain your exclusion or loading but with our longstanding relationships with underwriters at major insurers, you could secure better pricing.

If I change policies will I receive loadings or medical exclusions?

If your health or pastimes have changed since you took out your existing policy you may receive loadings or exclusions on a new policy. If this is the case you may be better off retaining your existing cover

Do you always compare prices to an identical policy?

We match your existing policy including current cover, premium structures, contract type and other important features. New policies are rarely identical, policy wording, definitions, exclusions, ancillary benefits, claims rules and loadings may differ.

Do you charge fees for Insurance Price Check?

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

Is age a factor?

Yes, it can be. We'll consider each policy on an individual basis.

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.

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

You can rely on us...

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

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