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About Simple Life

How it works

Simple Life is insurance for life-changing events, made simple.

It’s flexible and can be customised to suit your individual needs.
Or you can choose any of these three Simple Life packages:














You can then add Bill Protection, which can pay a one-off lump sum disability or involuntary unemployment benefit, to any package or to your customised cover.

We won’t ask you to undergo any medical tests when you apply. You just need to be a permanent Australian resident aged between 18 and 50.

Quote and apply

What it covers

Simple Life is flexible, which means you can choose from three packages or create your own. If you create your own, you can buy one of the covers below or package any number together.

The types of Simple Life cover available are:

This can pay a benefit of up to $1 million if you pass away, or become terminally ill. It’s designed to help with debt, to put dependents through school and to provide financial support for your partner.

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This can pay a benefit of up to $500,000 if you become permanently disabled. It’s designed to help with lost income, immediate medical treatment and ongoing lifestyle changes.

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This can pay a benefit of up to $200,000 if you suffer a critical illness like cancer, stroke or major heart problems. It’s designed to help with out of pocket costs like medical bills and lifestyle expenses, such as relocation costs for your family while you’re under medical care.

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This can pay a benefit of up to $5,000 if you can’t work because of  disability or involuntary unemployment. It’s designed to help with short-term expenses, like household bills and rent.

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Choosing the right cover level

How to choose the right amount of life cover

If you’re unsure how much life cover you might need, we’ve built a simple calculator to help.

The calculator asks you a few simple questions, like how many children you have, how much debt you have and how much you earn, and gives you an estimate of how much cover you might need.

Use calculator

How to apply

It’s easy to get a quote and apply for Simple Life.

Cover is available to permanent Australian residents aged between 18 and 50.

To give you a quote, all we’ll ask about is your gender, date of birth and whether you smoke. And if you want to buy Bill Protection, we’ll also ask about your occupation.

When you apply, we won’t ask you to undergo any medical tests.

Quote and apply

Before applying, it’s a good idea to read the Simple Life Product Disclosure Statement.

How to make a claim

If you need to make a claim, it’s important that you or your representative call 13 3982 as soon as possible after the claim event occurs.

Your Simple Life claim will be paid as quickly as possible after all the necessary documents have been received and the validity of your claim has been assessed.

Find out more about making a Simple Life claim

FAQs and support

You can find out more about Simple Life by reading the FAQs.

You can also visit the Support Community, where you can ask questions, find answers and share knowledge.


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What you need to know about applying for Simple Life

Find out everything you need to know about applying for Simple Life, from getting a quote to where to get help if you need it.

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How to make a claim on your Simple Life policy

All legitimate Simple Life claims are paid as quickly as possible. If you or your family ever need to make a claim on your policy, you’ll have access to your benefits as soon as possible.

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A glossary of key life insurance terms

This glossary of key terms will help you understand the meaning behind some of the words you’ll read when learning about Simple Life.

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Yes. If you change your mind about Simple Life within one calendar month, your policy will be cancelled and you’ll be refunded for any premiums paid.

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Generally, as you get older, your premium will increase. Any premium increase will occur each year on the same date your policy started, which is referred to as your policy anniversary.

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Yes, your Simple Life policy will cover you when you travel overseas.

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Simple Life won’t cover you for any pre-existing conditions. In simple terms, a pre-existing condition means you aren’t covered for any claim that’s caused directly or indirectly by any illness, injury, medical condition and/or symptoms that occurred in the five years before your cover start date.

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Talk to us

Your questions answered

Search the FAQs to quickly find answers to your questions.

Search support

Explore the support community

Ask questions and get support from experts and customers.


Call us

View the listing of CommInsure contact numbers.

View contacts

Important information

As this information has been prepared without considering your personal objectives, financial situation or needs, you should, before acting on it, consider its appropriateness to your circumstances. This information is provided by CMLA and CIL (as relevant) and where we refer to ‘we’, we mean either CMLA or CIL.

Please refer to the Simple Life Product Disclosure Statement for full benefit details, terms, conditions and exclusions. A Product Disclosure Statement (PDS) and Financial Services Guide (FSG) for Simple Life are available online or by calling 13 39 82 between 8am and 8pm (AEST) Monday to Friday. If you call this telephone number, you may be speaking with customer service representatives from AEGON Direct & Affinity Marketing Services Australia Pty Ltd ABN 35 082 524 785 AFSL 236657 (AEGON). AEGON is authorised to issue Simple Life on behalf of CommInsure

The issuer and insurer for Life Cover, Total and Permanent Disability Cover and Critical Illness Cover is The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 AFSL 235035 (CMLA) . The issuer and insurer for Bill Protection is Commonwealth Insurance Limited ABN 96 067 524 216 AFSL 235030 (CIL). CMLA & CIL are wholly owned but non-guaranteed subsidiaries of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommInsure is a registered business name of CMLA & CIL.

The Commonwealth Bank of Australia does not guarantee the obligations or performance of CommInsure or AEGON or the products they offer.