Free · No obligation

Life cover check

How much life cover do you actually need?

Get matched with a licensed adviser who finds the right cover at the best rate.

  • Starts with the cover you already have
  • Free — the adviser pays our referral fee
Just a moment…

How it works

Three simple steps to the right cover

Free. No obligation. Nothing to sign.

  1. 1
    ⏱ About 60 seconds

    Answer 7 quick questions

    No jargon. Nothing to look up.

  2. 2
    🇦🇺 Licensed Australian adviser

    We match you with an adviser

    Suited to your situation. They compare your options and shop the market for you.

    An Australian financial advice team standing together in their office. ✓ Matched
  3. 3
    💰 Better cover, better price

    Get the right cover at the best rate

    See what you’re covered for, what you’re not, and how to get more for less.

Find My Best Rate →

Free · No obligation · Takes 60 seconds

Why check with Cover Captain

Most people already have cover. Very few can say what it does.

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Start from what you’ve got

Most working Australians hold life cover inside their super and couldn’t describe it accurately. That’s where we start — not with a product.

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Right-sized, not maxed out

If the cover you already have looks like enough, the adviser will tell you. That’s rather the point of checking.

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No 60-page PDFs

A straight explanation of what you hold, what you’d need and what it costs — once, in normal language.

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You’ll know who’s calling

Your details go to one licensed adviser to discuss your enquiry. They’re not resold to a panel of companies.