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Award Winning Life Cover

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Help protect the life you’ve built with Kogan Life Cover

Kogan Life Cover can help protect the life you’ve built for your family.

Do you have people who are financially dependent on you? A mortgage or other debts? Would your family struggle to cope financially if you unexpectedly passed away and could no longer provide for them? If you answered ‘yes’ to any of these questions, then you need to consider Life Cover to protect them should the worst happen.

Even if your partner isn’t the main income earner in your household, it’s still important to have protection in place for them. If they suddenly died, the cost of keeping your household maintained and putting young children into childcare can quickly add up!

Life Cover allows you and your partner to get cover under a joint plan which means you only have one life insurance policy but with the flexibility to choose an individual benefit amount to suit both your needs.


Kogan Life Cover features & benefits:

  • Australian residents aged 18 to 64 are eligible to apply.
  • You can choose a Benefit Amount between $100,000 and $1 million (depending on your age).
  • Your beneficiary may be entitled to an advance of $10,000 while the life insurance claim is undergoing assessment.1
  • There’s no paperwork to fill out, and you don’t need to have a medical or blood test when you apply.
  • Your beneficiary will receive your Benefit Amount when you die.2
  • If you become diagnosed with a Terminal Illness and have 12 months or less to live, you'll receive 100% of your Benefit Amount.3
  • Your Benefit Amount automatically increases each year to keep up with the cost of living so there’s less chance of a shortfall when a claim is made.
  • You can choose to add even more protection with options such as Serious Illness, Total & Permanent Disability or Children’s Insurance.

Please note: This is a summary of our Life Cover policy. Make sure you read our Product Disclosure Statement (PDS) for full details.


$10 Kogan.com credit every month

Active Kogan Insurance customers with an active policy receive $10 off a purchase of $100 or more at Kogan.com once a month.ˆ

Find out more


Award Winning Life Insurance

image of Mozo Experts Choice 2021 award badge image of Mozo Experts Choice 2019 award badge

Mozo Experts Choice 2021, 2019

"This award recognises Kogan's combined Life and TPD option as one of exceptional value for a broad range of customers."

Get more protection with optional cover

Children’s Insurance

Receive a benefit amount of $20,000 up to $50,000 if your child dies from any cause, is diagnosed with a Terminal Illness, or suffers from one the following defined Serious Illnesses:

  • Bacterial Meningitis (and/or invasive meningococcal disease);
  • Cancer (Children’s Insurance Option);
  • Encephalitis - with permanent neurological impairment;
  • End Stage Chronic Kidney Failure - requiring regular renal dialysis;
  • Hearing Loss (permanent and disabling, after best treatment);
  • Major Brain Injury - requiring admission of more than 4 consecutive days in an Intensive Care Unit (ICU);
  • Major Burns to the Skin - of specified severity and requiring specific treatment;
  • Major Organ Transplant - specified organs or being on a transplant waiting list;
  • Non-cancerous tumour of the Brain or Spinal Cord - with permanent neurological impairment, or requiring surgical removal of the tumour or radiotherapy;
  • Paralysis (total and permanent) – specified;
  • Total and Permanent Loss of Use of One Specified Limb; or
  • Vision Loss (permanent and disabling, after best treatment).

Available for any of your children aged 2–17.

Some things you should know:

  • Cover is for accidental death only in the first three months.
  • Your child won’t be covered for any claimable injury or illness, or death from any cause, which becomes apparent or occurs before or during the first three months.
  • The benefit amount is payable once per child insured.
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Serious Illness Insurance

You’ll receive a benefit between $50,000 and $500,000 if you’re diagnosed with one of the following defined Serious Illnesses:

  • Cancer – excluding specified early stage cancers;
  • Heart Attack – with evidence of severe permanent heart muscle damage;
  • Heart Bypass Surgery (Coronary Artery Bypass Graft Surgery); or
  • Stroke – in the brain resulting in specified permanent impairment.

Available for Australian residents aged 18–59.

Some things you should know:

  • Each Serious Illness event is defined within the policy and each claim will be assessed against these definitions.
Download PDS NowREQUEST A QUOTE NOW

Total & Permanent Disability Insurance

This cover pays you a benefit between $50,000 and $1 million (depending on your age) if you can’t work in any occupation due to a permanent illness or injury, if you suffer the loss of limbs or sight, or lose your independent existence and become totally reliant on others to assist you.

Available for Australian residents aged 18–59.

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Got more questions?

Visit our FAQs page.

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The Kogan Life Insurance Difference

Experience you can trust

Kogan Life Insurance products are underwritten by Hannover Re, currently the third largest global life reinsurer.

Easy application

Answer a few simple questions to receive a quote over the phone and get covered – no medical or blood test needed when you apply.

$10 off Kogan.com every month

Active Kogan Insurance policyholders receive $10 off a purchase of $100 or more at Kogan.com once a month.ˆ Find out more

Optional covers available

Optional cover available including Serious Illness Insurance and Total & Permanent Disability Insurance.

  1. We must have satisfactory evidence of the deceased Life Insured’s age and death. If we make an advance payment in this way, this is not an admission of our liability to pay the balance of the Life benefit amount, which is subject to the provision of all claim proofs.
  2. Except if you pass away as a result of a self-inflicted injury within the first 13 months of your policy or other exclusions applied to your policy.
  3. Terminal illness means a confirmed diagnosis by a Medical Practitioner or Specialist Medical Practitioner of a Terminal Illness where life expectancy, after taking into account all reasonably available treatment, is 12 months or less.