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Life Cover


Help protect the life you’ve built with Kogan Life Cover

Life Cover can help protect the life you’ve built for your family.

Do you have people who are financially dependent on you? A mortgage or other debts? Would your family struggle to cope financially if you unexpectedly passed away and could no longer provide for them? If you answered ‘yes’ to any of these questions, then you need to consider Life Cover to protect them should the worst happen.

Even if your partner isn’t the main income earner in your household, it’s still important to have protection in place for them. If they suddenly died, the cost of keeping your household maintained and putting young children into childcare can quickly add up!

Life Cover allows you and your partner to get cover under a joint plan which means you only have one life insurance policy but with the flexibility to choose an individual benefit amount to suit both your needs.

Life Cover features and benefits:

  • Australian residents aged 18 to 64 are eligible to apply.
  • Once covered, you can keep your policy for life.
  • You can choose a benefit amount between $100,000 and $1 million (depending on your age).
  • Your beneficiary may be entitled to an advance of $10,000 while the life insurance claim is undergoing assessment.1
  • There’s no paperwork to fill out, and you don’t need to have a medical or blood test when you apply.
  • Your beneficiary will receive your benefit amount when you die.2
  • If you become diagnosed with a terminal illness and have 12 months or less to live, you will receive 100% of your benefit amount.3
  • Your benefit amount automatically increases each year to keep up with the cost of living so there’s less chance of a shortfall when a claim is made.
  • You can choose to add even more protection with options such as Accidental Death, Serious Illness, Total & Permanent Disability or Children’s Insurance.

Please note: This is a summary of our Life Cover policy. Make sure you read our Product Disclosure Statement (PDS) for full details.

Get more protection with optional cover

Children’s Insurance

Receive a benefit amount of $20,000 up to $50,000 if your child passes away because of an accident, or suffers a specified serious illness or injury.

Available for any of your children aged 2–17.


Serious Illness Insurance

You’ll receive a benefit between $50,000 and $500,000 if you’re diagnosed with a serious illness including a heart attack, cancer, a stroke or coronary artery bypass surgery.

Available for Australian residents aged 18–59.


Total & Permanent Disability Insurance

This cover pays you a benefit between $50,000 and $1 million, depending on your age, if you can’t work due to a permanent illness or injury, if you suffer the loss of limbs or sight, or lose your independent existence and become totally reliant on others to assist you.

Available for Australian residents aged 18–59.


Accidental Death Insurance

In addition to your standard life benefit amount, your family will receive an extra payment from $50,000 up to $500,000 if you pass away in an accident.

Available for Australian residents aged 18–64.


Got more questions?

Visit our FAQs page.

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The Kogan Life Insurance Difference

Customise your policy

Choose from a range of optional extras to suit your lifestyle.

Fantastic value

Budget-friendly insurance for the cover you need.

Stress-free payment options

Choose from a range of flexible payment options, with no extra charges for paying monthly.

Experience you can trust

Kogan Life Insurance products are underwritten by Hannover Re, currently the third largest global life reinsurer.

  1. We must have satisfactory evidence of the deceased Life Insured’s age and death. If we make an advance payment in this way, this is not an admission of our liability to pay the balance of the Life benefit amount, which is subject to the provision of all claim proofs.
  2. Except if you pass away as a result of a self-inflicted injury within the first 13 months of your policy or other exclusions applied to your policy.
  3. Terminal illness means a confirmed diagnosis by a medical practitioner approved by us of a terminal illness where life expectancy, after taking into account all reasonably available treatment, is 12 months or less.