The amount charged by the insurer depends on factors such as:

• gender, age and health;
• whether or not you smoke;
• the premium basis you choose i.e. the 1, 5 or 10 year option(s), and
• the amount of cover you take out (as the premium rates relate to each $1,000 of cover you choose).

In addition, you pay a $33 a year administration fee.

See how much the premium is for you:

• Life insurance rates - female
• Life insurance rates - male

To calculate how much life insurance might cost, use our life insurance calculator.