Why Choose Insurance Me For Life
Unbiased advice, transparent pricing, and genuine support when you need it most.
The IMFL Difference
100% Free Advice
We never charge you fees for our recommendations, comparisons, or ongoing service. Our advice is completely free with absolutely no hidden costs.
- No consultation fees
- No application fees
- No ongoing service charges
No Premium Markups
You pay exactly the same price as buying directly from the insurer. We don't inflate premiums to increase our commission.
- Same price as buying direct
- Transparent commission disclosure
- No hidden loading or fees
Expert Claims Support
When you need to make a claim, we're by your side. We guide you through the process, prepare documentation, and advocate on your behalf.
- Step-by-step claims guidance
- Documentation assistance
- Insurer liaison and advocacy
Compare 8 Insurers
We compare policies from 8 leading Australian insurers to find you the best coverage at the most competitive price.
- Side-by-side policy comparison
- Coverage features analysis
- Exclusions highlighted
Broker vs. Direct Insurer
Why use a broker instead of buying directly from an insurance company?
| Feature | Insurance Me For Life | Direct Insurer |
|---|---|---|
| Compare multiple insurers | ||
| Unbiased recommendations | ||
| Claims support and advocacy | ||
| Same premium price | ||
| Expert guidance through process | ||
| Policy review and optimization | ||
| Cost to you | $0 | $0 |
Key Insight: Insurance premiums are the same whether you buy through a broker or directly from the insurer. Commission is built into the premium structure by insurers themselves. The difference is that with a broker, you get expert advice, comparison shopping, and ongoing support at no extra cost.
How Are We Paid?
Transparency is important to us. Here's exactly how we earn commission:
Commission from Insurers
When you purchase a policy through us, the insurance company pays us a commission. This commission is:
- Paid by the insurer, not by you
- Already factored into the premium price
- The same regardless of who you buy from
- Fully disclosed to you before purchase
Commission Structure
Initial Commission
Typically 60-110% of first year premium, paid when your policy is issued
Trail Commission
Typically 10-20% of annual premium, paid while your policy remains active
Our Commitment
While different insurers pay different commission rates, we present all options fairly and allow you to choose based on price, features, and insurer reputation—not our commission. Our goal is to help you find the right coverage, not maximize our earnings.
What Our Clients Say
Real feedback from Australians we've helped protect
"Torben made the whole process so simple. I was able to compare multiple insurers and understand exactly what I was getting. Best of all, completely free service."
— Sarah M., Nurse, Sydney
"When I needed to make a claim, Torben was there every step of the way. He helped prepare all the paperwork and liaised with the insurer. Invaluable support."
— Michael T., Electrician, Melbourne
"I saved over $800 a year by comparing policies through IMFL. The recommendations were clear and unbiased. Highly recommend."
— Jennifer L., Teacher, Brisbane
Ready to Compare and Save?
Get your free quote in 3 minutes. Compare 8 insurers with expert guidance and no obligation.