Indexed Universal Life Insurance
in Australia

Seeking comprehensive life insurance in Australia? Capital for Life is your trusted partner, renowned for providing tailored jumbo life insurance and premium financing services to high-net-worth individuals in Australia.

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"I highly recommend Capital for Life for when it comes to life insurance solutions." - Gareth B.

Powering Australia's Global Life Insurance Business

From Dubai to the rest of the Middle East and beyond, Capital for Life provides life insurance cover for up to $165m for high net worth clients.

Our multi-pay and premium financing options for jumbo life policies and our comprehensive support and service make us a trusted partner for financial advisers in Dubai.

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Safeguard your
financial legacy

We serve high-net-worth clients and entrepreneurs, top tier executives, and sports and pop stars from across the world. Open an iul account today and secure your life and legacy.

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$734 Million+




Trusted Expertise at
your fingertips

“Carlton is an experienced & learned professional in the life assurance space, who has helped, not only clients but me, navigate the world of high value life assurance through education on the concepts, the application, the processes, and procedures in a clear and concise manner, as to allow me to imbibe others with the same knowledge. He is affable, thoroughly professional and is a pleasure to work with many of my clients and colleagues”.

Raj Srivastava

Executive Director at
Arrow Capital

“Carlton Crabbe and the team at Capital For Life have been an immeasurable asset. Carlton’s experience in structuring solutions for our HNW clients has been a great benefit to our team, and the feedback from our valued clients has been unanimously positive.”

Bob Bhowmik

Chief Operating Office at
SVN Capital

"I've had the pleasure to work with Carlton and the whole team on a number of occasions. I've found them very professional and thorough when preparing UL cases for my clients. Carlton has a wealth of knowledge on his offering and the whole CFL team is first class in their work behind the scenes."

James Gormley

Senior Partner at
Finsbury Wealth

"Working with Carlton is a pleasure. He delivers a constant high level of quality work and is always responsive and communicative."

Hugh McGrenra

Business Development Manager at
ARIA Capital Management

"Carlton is an invaluable trusted advisor who identified creative solutions for my high net worth clients using specialised life insurance options. He is a true expert in this field and someone who increases the professionalism in this specialist area."

Marc Beattie

Director at
Wealth Management Services

“Carlton has been exceptional in helping us and our clients with the best support and guidance we could wish for.  We will continue to use Carlton forever more and would highly suggest that everyone else does the same too.”

Stefan Terry

Chief Executive Officer at
SVN Capital

"Carlton and his team at Capital for Life go above and beyond to help us propose and implement unique retirement and estate planning vehicles for our high net worth clients. Capital for Life’s suite of product offerings are unique in many ways and lend them themselves to significant generational wealth creation and preservation. I see Capital for Life becoming a larger part of international wealth planning in the future and would recommend them to anyone without reservation."

Thomas Goldie

Senior Wealth Adviser at
Hoxton Capital Management

“Having worked with Carlton for many years, I saw first-hand the care he took to get to the right solution for clients and how collaborative he was with colleagues. In recent years, he has specialised in offshore planning, notably trusts and life assurance, to an extent that there’s nobody I’m aware of in the industry who knows more about those areas.”

Simon Bullock

Founder of chartered financial planning boutique,
Mulberry Bow

"Carlton really stands out as a true expert within the market. Carlton has been instrumental as a trusted advisor to my high-net-worth clients because of his ability to provide specialised and creative life insurance products for retirement and estate planning."

Lloyd Simpson

Partner at
GSB Capital

"I highly recommend Capital for Life for when it comes to life insurance solutions. The team is extremely knowledgeable & professional. Carlton is a true expert in his field and he along with the team always remain on hand to provide assistance."

Gareth Bowkett

Associate Director at
Indigo Financial Analysis

"I am extremely pleased with the high-value life insurance products and retirement planning strategies that Capital for Life designed for my client. As a trusted advisor in this specialised area, Carlton and his team helped through every aspect of the application process to make this seamless and effortless for both the client and myself. The Team is highly experienced, knowledgeable and professional."

Stuart J. Mizen

Senior Investment Manager at
SVN Capital

Free Australia Indexed Universal Life Insurance Resources

Our comprehensive articles offer insights into the world of IUL, helping you make informed decisions for your financial future.

Frequently Asked Questions

We're committed to providing you with the information you need to make informed decisions about your life insurance coverage.

How can I obtain a universal life insurance quote in Australia?

To receive an IUL quote for a resident in Australia, please provide us with the following information:

  • your age
  • gender
  • smoker status
  • the amount of life coverage you require
  • confirm Australia is your country of residence for an IUL quote
  • your email address

Once we receive this information, we will be able to provide you with a quote within 24 hours. To get started, simply reach out to us using the contact form at the bottom of this page. We look forward to assisting you with IUL for Australian residents.

I live in Australia, can I buy indexed universal life insurance?

Yes, Australian residents can invest in indexed universal life insurance, also known as IUL. An IUL can supplement retirement income and estate planning needs.

What types of international life insurance can I buy if I am an Australian resident?

  1. Indexed universal life insurance
  2. Whole life insurance
  3. Variable universal life

All the policies supplied to Australian financial advisers by Capital for Life are single-life policies. We do not offer joint life second death policies or survivorshp policies.

I live in Australia, do I need to go for a medical for a universal life insurance policy?

Some life insurance companies offer universal life insurance to Australian residents with no medical. But if you want life insurance coverage of $5m or more, you will need a medical. Capital for Life Australia has an approved list of medical clinics in Sydney and Melbourne that clients can attend.

Can I borrow against life insurance policy if I am Australian resident?

You can borrow against the cash value of your IUL policy if you are an Australian resident. Our analysis has shown that loans secured against your life policy typically have lower interest rates because you are using the life insurance policy as collateral. You can either take the policy to a bank to borrow money and pledge it as collateral, or take a loan directly from the insurance company itself.

In our experience, popular reasons why Australian's borrow against a life insurance policy are:

  • Buy property in Australia or overseas as a but to let rentail investment.
  • Invest in Australian equities and bonds with the expectation of a higher return.
  • Provide short term liquidity for an Australian business venture.

Can Australian residents get premium financing for a universal life insurance policy?

Yes, it is possible for Australian residents to obtain financing for their universal life insurance policy. This premium financing can be for up to 100% of the policy's cash surrender value and is subject to underwriting. However, it's important to note that this financing strategy may not be suitable for all types of Australian financial planning and it's recommended to consult with a tax adviser before proceeding. Capital for Life can make a suitable introduction upon request.

What's the minimum amount of universal life cover an Australian resident can buy?

Universal life cover with a death benefit from $1m upwards can be bought by an Australian high-net-worth resident.

I am an Australian based financial adviser, can I use Capital for Life's life insurance solutions?

Yes, you can use Capital for Life for all your international life insurance and financing solutions. We partner with Australian financial advisers, wealth managers, and trustees who use our solutions with their high-net-worth private clients.

Can high net worth individuals in Australia purchase universal life insurance from Capital for Life?

Yes, Capital for Life serves high-net-worth clients across Australia and can assist with finding a suitable universal life insurance policy. Our team works with global partners and professional advisers to design a solution that meets the specific needs of each client. While we do not offer advice on specific universal life insurance products, we are dedicated to helping our Australian based clients find the coverage they need. Contact us today to learn more about the universal life insurance options available to high net worth individuals in Australia.

Which other countries in Oceania can I get a universal life insurance quote for?

Universal life insurance (ULI) quotes are available in most countries in the Australasia region. Some examples of countries where you can get a universal life insurance quote include:

  • Australia
  • New Zealand
  • Fiji
  • Papua New Guinea
  • Samoa
  • Tonga

It is worth noting that the availability and terms of universal life insurance may vary across southern hemisphere countries. It is recommended that you speak with an insurance professional at Capital for Life to learn about the specific options available in the country where you live.

Learn more about universal life cover across Australasia from Capital for Life

Who provides universal life insurance services in Australia?

Capital for Life offers universal life insurance (IUL) in Australia. Our services include IUL policy comparison for Australians, IUL quotes for Australians, and understanding policy features to find the best fit for your client. We also provide tax advisory, trustee, and premium financing services to ensure correct ownership and financing of the policy. Contact us for more information on our universal life insurance options across Australia.

What is life expectancy in Australia?

According to data published by the World Health Organisation (WHO) in 2020, the average life expectancy in Australia is 83 years. Male life expectancy in Australia is 81.3 years, while female life expectancy is 84.8 years. Australia ranks 7th in the world for life expectancy. These statistics are based on the latest available data and are subject to change over time.

Life expectancy for Australia is an important factor for life insurance companies when determining the premium rates for their policies issued to Australian residents. A person's life expectancy plays a role in calculating the risk level associated with insuring them, as the longer a person is expected to live, the more likely they are to make a claim on their policy. As a result, life insurance premiums are typically lower for individuals with a higher life expectancy and higher for those with a shorter life expectancy. By understanding the average life expectancy in Australia, life insurance companies can better evaluate the risk associated with offering coverage to residents of Australia and adjust their premiums accordingly. Australia is classed as an 'A' risk rated country by many international life insurers meaning it is deemed a high life expectancy country.

Still have questions about jumbo life insurance? We're here to help. Reach out to us at or call us on 052-772-6262 for the best jumbo insurance quote in 



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