Compare life insurance quotes - and get 12.5% of your premium back every year.
Real-time quotes for Life, TPD, Income Protection and Trauma cover - from the same insurers used by financial advisers. Keep returns a large portion of the adviser commission to you as cashback, so you get the same quality policy for less.
- ✔ 12.5% of your premium back every year
- ✔ No email, no call - see quotes instantly
- ✔ Top Australian insurers
- ✔ Apply online or with our help
Why Keep
- ✔12.5% of every premium back - guaranteed on new policies
- ✔Same retail policies as financial advisers - not simplified cover
- ✔Quote in 5 minutes, apply entirely online
- ✔No adviser required - support available if you want it
Same cover. 12.5% back. Every year.
Every retail life insurance policy includes an adviser commission built into the premium. With Keep, that commission comes back to you - not to an adviser. Your policy, insurer, and cover are exactly the same, but you get a better deal.
Same retail policies
The policies you see through Keep are identical to those sold by financial advisers - from the same insurers, with the same terms, the same premium and cover.
12.5% cashback guaranteed
We collect the adviser commission and return a large chunk of it you. On a new policy that's 12.5% of your premium back every year.
No hidden fees
Keep earns by retaining a portion of the commission. There are no setup fees, no advice fees, and no exit fees - ever.
Ready to see your quote?
Takes 5 minutes. No email required. No commitment.
See your cashback estimate
Enter your expected premium to see how much cashback you'd receive. The calculator defaults to a 25% commission rate - adjust it if you know your actual rate.
- ✔ Estimated annual cashback based on your premium
- ✔ Adjust for your actual commission rate
- ✔ Works for any premium frequency
- ✔ Your first year's cashback is paid after 12 months. This is because insurers require commission to be returned if a policy lapses in the first year. From Year 2 cashback is paid quarterly with no delay.
"It wasn't until I signed up with Keep and transferred my policies - with no changes to cover and no underwriting - that I found out I could save 20% on my premium. It's allowed me to keep my life cover for longer than I would have otherwise, and I feel great about that security for my family."
Greg, Sydney
Recognition
Tweed Business Awards - shortlisted
Women in Finance Awards - shortlisted
Recognised for innovation and commitment to customer value in Australian life insurance.
Common questions
How does the 12.5% cashback work? +
When you take out a new policy through Keep, your insurer pays us an adviser commission - typically this equates to 25% of your annual premium. We return a large chunk of this by paying you 12.5% of your premium back every year. It's paid quarterly directly to your bank account.
Are these the same policies sold by advisers? +
Yes. These are full retail life insurance policies from major Australian insurers - not simplified or direct-only products. The policy you get through Keep is identical to what you'd receive through a financial adviser, with the same cover, same insurer, the same premiums, and same terms.
Does using Keep cost more than going direct? +
No. Your premium is set by the insurer and is the same regardless of which adviser you use. With Keep, you get the same retail policy at the same premium - and for Keep customers, 12.5% of that premium comes back to you every year as cashback.
Do I need a financial adviser to get a quote? +
No. Keep is designed to enable people to compare and apply for cover entirely online without engaging a financial adviser. We do provide general advice and the tools you need to decide what cover works best for you, and we are only a phone call away if you have questions. If you do want personal advice, we can connect you with a licensed adviser.
Can I compare Life, TPD and Income Protection together? +
Yes. Our comparison tool lets you view pricing and features for Life, TPD, Income Protection and Trauma cover side by side. You can get a quote for one type or all four at once.
How long does a quote take? +
Getting a quote takes about five minutes. No email address required, no phone calls, no commitment. You can compare policies instantly and apply online when you're ready.
Not sure what you should pay? See average life insurance costs by age or learn about cover types .
Compare quotes and start getting your cashback
Five minutes. No phone calls. 12.5% of your premium back every year.