Which Life Insurers Can You Compare Through JIC Insurance?

As at 12 August 2026, JIC Insurance's current comparison panel includes NEOS, Encompass, Futura, Zurich, OnePath, MetLife, Acenda, AIA and TAL. Across these panel brands, JIC Insurance can compare available options for Life Cover, Total and Permanent Disability (TPD) Cover, Trauma or Critical Illness Cover, and Income Protection Insurance.

This is a panel comparison, not a whole-of-market comparison. JIC Insurance does not compare every insurer in Australia or every product offered by each panel brand. The products shown to an individual can also depend on age, occupation, cover type, cover amount, ownership, income and other eligibility criteria. A quote remains subject to the insurer's application and underwriting process.

Ready to see which options are available under the details you enter? Use the JIC Insurance Quote Tool.

The current JIC Insurance insurer panel

Panel last reviewed: 12 August 2026. Panel composition, product access and quote availability may change. The live comparison tool should be treated as the current source for what is available through JIC Insurance at the time you compare.

For simplicity, this article uses the term insurer panel to describe the insurer and product brands presented through the JIC comparison process. The legal issuer of a policy may differ from its consumer-facing brand. The relevant Product Disclosure Statement (PDS) identifies the issuer and contains the policy terms.

Which cover types are available from each panel insurer?

The table below records the broad retail cover categories represented by each current panel product suite. It does not mean that every product, option, benefit, ownership structure or premium basis offered by that brand is available through JIC Insurance.

Table note: Product naming differs between insurers. Trauma-style cover may be called Trauma, Critical Illness or Crisis Recovery; Income Protection may be called Income Support, Income Secure or Income Cover. Other optional benefits may exist, but inclusion in an insurer's PDS does not confirm availability through JIC Insurance.

Why access to several life insurers matters

Life insurers do not all assess or price the same risk in the same way. Each insurer manages its own portfolio, claims experience, reinsurance arrangements, product design and underwriting rules. That can produce different pricing or terms for people who appear similar on the surface.

Founder insight: insurer appetite can differ

This does not mean one insurer will always be more favourable for a profession or age group, or that an indicative quote guarantees final terms. Insurer appetite can change and underwriting is individual. It does mean that a single-insurer quote may not show the range of options potentially available through a broader panel.

Does availability depend on age, occupation, cover type or eligibility?

Yes. An insurer appearing on the JIC Insurance panel does not mean every applicant can obtain every cover type from that insurer. Availability commonly depends on the following.

Age and the cover being compared

Insurers set entry ages and expiry ages by product and cover type. Life Cover may remain available at ages where a particular Trauma or Income Protection option is no longer open to new applicants. Waiting periods, benefit periods and optional features can have their own age rules. These settings can also change when a PDS is updated.

Occupation and work duties

Occupation can affect price, available TPD definitions, Income Protection benefit periods and whether certain covers can be quoted at all. The job title alone may not be enough: insurers can consider actual duties, hours worked, manual work, travel, height exposure, hazardous activities and employment status. Some options may be available to an office-based professional but unavailable or priced differently for a higher-risk manual occupation.

Cover type and policy structure

Availability can change according to whether cover is standalone or linked, held personally or through superannuation, and which definition or benefit design is selected. For example, Trauma Cover is generally held outside super, while some Life, TPD and Income Protection structures may be available through super. The available TPD definition and Income Protection waiting or benefit period may also differ by insurer and occupation.

Cover amount, income and financial eligibility

Each insurer applies minimum and maximum cover limits. Larger Life, TPD or Trauma amounts can require financial evidence. Income Protection is linked to eligible income and may require evidence of earnings, particularly for higher monthly benefits, variable income, self-employment or business ownership. A requested amount may therefore be unavailable even when a lower amount can be quoted.

Health, lifestyle, residency and underwriting

The online quote uses basic rating and eligibility information. Final availability depends on the application and underwriting, which may consider health history, medications, family medical history, smoking, hazardous pursuits, travel, residency and previous insurance outcomes. The insurer may offer standard terms, a premium loading, an exclusion, amended cover, a deferral or no cover.

MoneySmart notes that insurers commonly set premiums using factors such as age, health, job and lifestyle. The relevant insurer PDS, Target Market Determination and underwriting decision ultimately control whether cover is available and on what terms.

How the JIC comparison tool filters the panel

Researching every entry-age limit, occupation rule, sum-insured limit and product condition across multiple PDS documents would be time-consuming. The JIC Insurance tool uses the details and selections entered to filter the products that can be quoted under those initial criteria.

1. Select the cover type and amount you want to compare.
2. Choose available options such as ownership, premium structure, TPD definition, or Income Protection waiting and benefit periods.
3. Enter basic details including date of birth, smoking status, occupation and employment information.
4. Review the panel products the tool identifies as available for that quote configuration.
5. If you proceed, complete the insurer's application so underwriting can determine the final premium and terms.
6. the cover type and sum insured
7. the policy definition and insured events
8. exclusions, limitations and waiting periods
9. whether cover is linked or standalone
10. ownership inside or outside super
11. the premium structure and how cost may change
12. optional benefits included or excluded
13. the relevant PDS, Target Market Determination and Financial Services Guide
14. whether the quoted product remains available after underwriting

The filter is useful, but it is not an approval decision. A product appearing in the results means it can be quoted using the information entered; it does not mean the insurer has accepted the application. A product may also be absent because of the selected settings rather than because the insurer never offers that type of cover.

For a step-by-step explanation, read How Does JIC Insurance Compare Life Insurance Options?.

Does JIC Insurance compare every product from these insurers?

No. Inclusion of an insurer or brand on the panel does not mean JIC Insurance distributes or compares every product, legacy policy, direct product, group insurance arrangement, optional benefit or ownership structure offered under that name. At times, a panel product or insurer may not be available through the tool, or may not be offered for the details entered.

This distinction matters because panel comparison and whole-of-market comparison are not the same. JIC Insurance compares its available panel. If you want to investigate a product or provider outside that panel, you may need to approach that provider or another service separately.

What should you compare after seeing the panel results?

A useful comparison should go beyond identifying the lowest first-year premium. Where possible, compare options using equivalent inputs and then review:

JIC Insurance can provide general advice and comparison support. It does not recommend that a particular insurer, product, cover amount or ownership structure is the best option for your personal circumstances.

When might personal financial advice be useful?

The right level and structure of insurance can depend on your income, debts, family, dependants, superannuation, existing cover, tax position and long-term goals. That is as far as a general information article can go without becoming personal financial advice.

If you want a tailored recommendation about how much cover to hold, whether cover should sit inside or outside super, or how insurance fits into a broader financial plan, you can speak with a JIC financial adviser. JIC Wealth provides personal advice as an ongoing advice relationship.

Frequently asked questions

Which life insurers can I compare through JIC Insurance?

As at 12 August 2026, the current panel brands are NEOS, Encompass, Futura, Zurich, OnePath, MetLife, Acenda, AIA and TAL. The panel may change, so check the live quote tool for current availability.

What types of insurance can I compare?

JIC Insurance can compare available Life Cover, TPD Cover, Trauma or Critical Illness Cover, and Income Protection Insurance options from its panel. The insurer may use a different product name for the same broad cover category.

Does JIC Insurance compare every Australian life insurer?

No. JIC Insurance compares a panel of insurer and product brands. It does not compare every insurer, brand or product in Australia and should not be described as a whole-of-market service.

Does every panel insurer appear in every quote?

No. Products can be filtered according to age, occupation, cover type, amount, income, ownership, product options and other initial eligibility rules. Product access can also change over time.

If an insurer appears in my results, am I approved?

No. The result is an indicative quote based on the details entered. The insurer must assess the full application through underwriting before it confirms the premium, exclusions and policy terms.

Why can premiums differ between insurers?

Insurers use their own pricing, underwriting, claims experience, reinsurance arrangements and product settings. Age, health, job, lifestyle, smoking status, cover amount and selected features can also affect the quote.

If you already know the cover type and amount you want to explore, JIC Insurance can help you compare the available panel options in minutes. The tool filters the initial results using the information entered and gives you a clearer starting point before you decide whether to apply or ask for support.

Start your comparison: Use the JIC Insurance Quote Tool

Alex Jorgensen is the Founder of Jorgensen Investment Company (JIC), with over 10 years of experience in financial services. As the Responsible Manager he directly oversees compliance supervision and operations, focusing on creating simple, structured solutions that help clients make confident financial decisions. Alex is a registered provider on the official ASIC Financial Advisers Register. You can verify his independent client reviews on Adviser Ratings or connect with him via LinkedIn. Alex Jorgensen is a registered financial adviser for JIC Wealth AR # 001238139 under AFSL JIC Adviser Network AFSL # 562451.

General Advice Warning
This article contains general information only and does not take into account your personal objectives, financial situation or needs. This website provides general advice only and all information is general in nature. Before making a decision about any financial matters, you should consider whether the information is appropriate for your circumstances and read the relevant Product Disclosure Statement, Target Market Determination and Financial Services Guide. You may also wish to seek professional advice before deciding whether to apply for, change or cancel insurance cover.  

1. JIC Insurance - Quote Tool
2. ASIC MoneySmart - Life insurance cover
3. ASIC - Giving financial product advice
4. NEOS - NEOS Protection
5. Encompass Protection - Product Disclosure Statement
6. Futura Protection - Product Disclosure Statement
7. Zurich - Wealth Protection
8. OnePath - OneCare
9. MetLife - MetLife Protect
10. Acenda - Insurance options
11. AIA - Priority Protection
12. TAL - Accelerated Protection documents