See Your Life Insurance Price in 60 Seconds (No Obligation)
Compare Life, TPD, Trauma & Income Protection quotes from 9 major insurers in 3 minutes — no obligation
Our medical pre-screening helps identify potential issues before you apply. Get instant quotes tailored to your situation.
Hey, I'm Torben
Here's how our medical pre-screening helps identify potential issues before you apply
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Compare 9 major insurers in 3 minutes
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Compare Quotes from Australia's Leading Insurers
We compare 9 major insurance providers to find you the best coverage
Meet Torben
Learn how our medical screening process helps Australians be better prepared and compare options from multiple insurers.
Why Choose IMFL?
Hi, I'm Torben. I founded IMFL to make life insurance simple and fair for Australian families.
Get Approved First Time
Medical pre-screening catches issues early. Apply for the right policy from the start. No rejections, no wasted time.
Compare Options and Find Competitive Value
We compare every major insurer to help you understand your options and find competitive pricing for your situation.
Your Family Gets Full Benefit
Cover guaranteed at application. When the unexpected happens, your family receives the full payout they need—no surprises.
Peace of Mind in 5 Minutes
Get clear options fast, with no obligation. Take the first step today, and sleep better knowing your family is protected.
Trusted by Thousands of Australians
We compare 9 major insurance providers to find you the best coverage at the best price
Major Insurers Compared
We compare quotes from Australia's leading insurance providers
50+ Occupations
From accountants to zoologists - we cover almost every profession
4 Insurance Types
Life, TPD, Trauma, and Income Protection
Up to $5M
Maximum life insurance coverage available
ASIC Licensed
Fully licensed and regulated under Australian Financial Services Licence
AR: 1244847 | AFSL: 246623
Highly Rated
Trusted by thousands of Australians for expert insurance advice
No Obligation
Free comparison service with no pressure to buy
This is general advice only and does not take into account your individual circumstances. Please read the Product Disclosure Statement before making a decision.
Who We Cover
Every occupation has unique risks. We specialize in finding the right coverage for your specific career.
Medical Professionals
Doctors, nurses, specialists—coverage tailored to healthcare careers
Learn more →Trades & Manual Workers
Builders, electricians, plumbers—protection for hands-on work
Learn more →Corporate & Professionals
Office workers, consultants, managers—white-collar coverage
Learn more →Mining & Resources
Miners, drillers, site workers—specialist high-risk coverage
Learn more →Insurance Types We Offer
Compare 8+ insurers across all major insurance types. Find the right protection for your needs.
Life Insurance
Financial protection for your loved ones when you pass away
- ✓Lump sum payment to beneficiaries
- ✓Cover funeral costs and debts
- ✓Replace lost income
Income Protection
Monthly payments if you can't work due to illness or injury
- ✓Up to 85% of your income
- ✓Cover for 2-5 years or to age 65
- ✓Waiting periods from 14 days
TPD Insurance
Lump sum if you become totally and permanently disabled
- ✓Any occupation or own occupation
- ✓Modify your home for disability
- ✓Pay off debts and medical costs
Trauma Insurance
Lump sum payment if diagnosed with a critical illness
- ✓Cover 40+ conditions
- ✓Heart attack, stroke, cancer
- ✓No restrictions on how you spend it
Business Insurance
Protect your business and key people
- ✓Key person insurance
- ✓Business expense cover
- ✓Buy/sell agreements
Child Cover
Protection for your children's future insurability
- ✓Lock in low rates while young
- ✓Guaranteed future insurability
- ✓Trauma cover for serious illness
How It Works
Get the right coverage in 3 simple steps
Quick 3-Minute Form
Tell us about you and your family. No medical jargon, no confusing questions.
We Find Your Best Options
Get indicative quotes based on your details that fit your budget and help protect what matters most.
Apply with Confidence
Be better prepared before you apply. Help protect what matters most to your family.
Frequently Asked Questions
Everything you need to know about insurance
154 expert answers across 5 insurance types
Life Insurance
30 frequently asked questions
Still have questions?
Our licensed advisors are here to help. Book a free 15-minute consultation or call us directly.