Indexed Universal Life Insurance
in Australia

If you are an Australian resident and want an IUL, 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.

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

If you are an Australian resident and want an IUL, 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.

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.

Yes, as an Australian resident, you can often borrow against your life insurance policy. This is typically done through a policy loan, where you use your policy's cash value as collateral.

Why Consider a Policy Loan?

Lower Interest Rates: Policy loans generally have lower interest rates than other borrowing options like banks.
Flexibility: You can often choose your own repayment schedule.
No Credit Check: Your credit score doesn't impact your ability to take a policy loan.

Important Considerations:

Policy Type: Not all policies offer loan provisions. Capital for Life provides IUL policies that can be used for policy loans.
Cash Value: You can only borrow against the available cash value in your policy.
Interest Accrual: Unpaid interest can reduce your death benefit.
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Next Steps:

Request a Quote or Contact us for more information on our universal life insurance options across Australia.

Yes, as an Australian resident, you can secure premium financing for a universal life insurance policy. This strategy allows you to leverage your policy's cash value to finance a portion of your premiums, potentially freeing up cash flow for other investments or expenses. Capital for Life specializes in assisting Australians with premium financing solutions.

Why Consider Premium Financing with Capital for Life?

• Expert Guidance: Capital for Life's advisors can help you understand the intricacies of premium financing and how it can benefit your financial goals.
• Tailored Solutions: Capital for Life works with a network of lenders to find the most suitable financing options for your specific needs and risk profile.
• Cash Flow Optimisation: Premium financing can unlock liquidity by reducing your out-of-pocket premium payments.
• Wealth Accumulation Potential: With a well-structured policy, premium financing can potentially enhance your wealth accumulation strategy.

Important Considerations:

• Policy Suitability: Not all universal life insurance policies are ideal for premium financing. Capital for Life can help you assess the suitability of your existing policy or recommend appropriate options.
• Interest Costs: Premium financing involves borrowing, and interest costs need to be factored into your financial plan.
• Market Fluctuations: Policy performance can be influenced by market fluctuations, and Capital for Life can provide ongoing guidance and support to manage these risks.

Next Steps:

1. Get a Quote or Contact Capital for Life: Discuss your financial goals and interest in premium financing.
2. Financing Options: We will present you with tailored life insurance financing options and help you understand the associated costs and benefits.
3. Implementation: We will guide you through the implementation process and provide ongoing support to ensure your premium financing strategy aligns with your financial objectives.

By partnering with Capital for Life, you can access premium financing as an Australian resident and potentially enhance your financial strategy with a universal life insurance policy.

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

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.

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.

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

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 you or your clients. 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.

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.