With Freedom Final Expenses Cover you pay nothing for a whole year! Get a quote now
Up to $200,000 cover
Apply over the phone in minutes
No medicals or health questions

Essential Life Cover

Freedom Essential Life Cover is insurance that pays a lump sum benefit of up to $200,000 which is designed to provide financial assistance to your family in the event of your death or diagnosis of a terminal illness.

You can apply for Freedom Essential Life Cover quickly and easily over the phone with no medicals or health questions and provided you are an Australian Resident aged 18 – 65, your application will be automatically accepted.

As you are not required to undertake any medicals or answer any health questions when you apply, any pre-existing medical conditions that were evident in the past 5 years and that give rise to an insured event will not be covered. This is known as a ‘PEC’ exclusion. You can, however, apply to have the PEC exclusion removed after you have taken out the cover. Refer to page 13 of the Product Disclosure Statement for more information about the PEC and other standard exclusions that apply to this cover.

Freedom Essential Life Cover also comes with a very special offer – YOUR FIRST MONTH OF COVER IS ABSOLUTELY FREE! This means you can start your protection today and then use this time to consider whether the cover is right for you. Regardless of whether you choose to continue the cover, the first month will not cost you anything.

Choose an amount of cover from $50,000 to $200,000
No medicals or health questions
Guaranteed acceptance for Australian Residents aged 18 – 65
Cover up to two adult family members under the one policy
Extended 42 day cooling off period to give you ample time to consider whether the insurance is right for you
Insurance is offered by Swiss Re Life & Health Australia Limited. Any advice that may have been provided to you is general advice only and does not take into account your personal circumstances, financial situation or needs. You should read the Freedom Essential Life Product Disclosure Statement before deciding if this product is right for you.

The Insurer's Privacy Policy can be found here. It contains important information about how the Insurer manages your personal information. The insurer has adopted the Life Insurance Code of Practice (the Code). This is the life insurance industry’s commitment to mandatory customer service standards and it’s designed to protect you, the customer. For more information about the Code, click here or visit