An adviser's checklist for pressure-testing a life insurance quote before signing — the questions that matter, and the ones that no longer do.

Which life insurer is most competitively priced in Australia? As at October 2026, Zurich led Arrow Equities' panel ranking across all five representative occupations for a third consecutive month, with Encompass second and MetLife and OnePath tied third.

A full package of life, TPD, income protection and trauma cover for a 40-year-old non-smoking NSW school teacher was quoted at $118.51/month on 14 October 2026 — unchanged to the cent for a third consecutive month — with the same package priced at age 30 and age 50 across the insurer panel and broken down by cover type.