Understand your insurance

Advice Centre

Clear guidance to help you understand cover, ask better questions and know what to do next.

Whether you are exploring insurance for the first time, reviewing an existing policy or looking for help with a claim, start with the guides and resources below.

Choosing cover

Understand the financial risks you want to protect against and the role different types of insurance can play.

Cover amounts

How much cover do I need?

Work through mortgage commitments, household income, dependants and existing resources, with a practical example to help you get started.

Explore cover needs

Reviews and support

Find guidance for the policies you already hold and the moments when you need to use them.

Existing policies

Review your insurance

Understand when a review may be useful, what to check and why existing policy terms can be important before making a change.

Read the review guide

Answers and tools

Get answers to common questions, understand policy language and explore a starting estimate for life cover.

Common questions

Insurance FAQs

Find answers about cover types, costs, applications, existing policies and claims, with links to more detail.

Explore the FAQs

Policy terminology

Insurance Glossary

Plain-English explanations of terms such as exclusions, underwriting, waiting periods and benefit periods.

Browse the glossary

MoneySmart tool

Life Insurance Calculator

Estimate how much life cover you might need. This tool does not calculate income protection, TPD or trauma cover.

Open the calculator

Explore the options

Insurance types

Explore Life, TPD, Trauma and Income Protection to understand the different events and financial risks each is designed to address.

Explore insurance types

Looking for a specific type of cover?

Visit our product pages for cover information and product-specific FAQs.

Life Insurance Income Protection TPD Insurance Trauma Insurance Key Person Insurance