20s
Starting out
Renters cover, a basic health plan and a small term life policy if anyone depends on you.
- Renters
- Health Basic
- Term life $250k
Health & life cover for every generation
Because the people you love deserve a plan
Family health plans and life insurance explained by caring, licensed advisors. Get covered in days, with no confusing jargon.
4 memberson one family plan
CovantisActive
Term life policy
TL-20 · 5520 1184 36
InsuredThe Okoro family
RenewsTerm ends 2046
Cover $750,00020-year term
100%check-ups covered
Life-stage planner
The right cover for every chapter
Needs change as life does. Here’s what most families look at, decade by decade.
30s
Growing family
Family health plan with maternity care and a 20-year term policy sized to your mortgage.
- Family health
- Term life $750k
- Disability
40s–50s
Established
Top up life cover, add critical illness protection and start planning long-term care.
- Critical illness
- Whole life
- Umbrella
60s+
Retirement
Medicare supplements, final expense cover and a plan to pass on what you’ve built.
- Medicare supplement
- Final expense
- Estate planning
Premium calculator
How much is peace of mind?
Slide to your age and the cover you want. We’ll show a typical monthly premium for a healthy non-smoker.
- Compare three coverage levels in seconds
- No personal details needed to explore
- Save your numbers and send them to an advisor
Estimated premium$0/mo$0 per year
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Illustrative demo figures only, not a real quote or offer of insurance.
$0 to startno medical exam up to $500k
Life insurance
A promise that keeps going
If the worst happens, a life policy pays a tax-free lump sum so your family can keep the house, finish school and grieve without money worries.
- Term life from $19/month for $500k of cover
- Approval in as little as 48 hours
- Change beneficiaries online at any time
- Convert term to whole life without a new exam
Health plans
Family health plans, compared
Three simple levels with the same caring advisors. All include free preventive check-ups.
| Compare plansSwipe to see all plans | Basic$184/moPreventive care and emergenciesChoose Basic | Most popularPlus$262/moEveryday care for growing familiesChoose Plus | Premier$348/moLow deductible, wide network, dental & visionChoose Premier |
|---|---|---|---|
| Annual deductible | $4,500 | $2,000 | $500 |
| Preventive check-ups | 100% covered | 100% covered | 100% covered |
| Doctor visit copay | $45 | $25 | $10 |
| Prescriptions | Generic only | Generic + brand | All tiers |
| Maternity & newborn care | Included | Included | Included |
| Dental & vision | Not included | Add-on | Included |
| Mental health sessions | 6 / year | 12 / year | Unlimited |
| Telehealth 24/7 | Not included | Included | Included |
| Out-of-network cover | Not included | Not included | Included |
Advisors
Talk to someone who listens
Licensed
Licensed
Licensed
LicensedStories
Families we look after
★★★★★ Verified client
“After our second baby Elena reviewed our life cover over a video call. Clear, calm and no pressure at all.”
Sofia & Luca BrandãoTerm life · family of four
★★★★★ Verified client
“A tree came through the garage roof in March. Hannah handled the adjuster, the photos and the paperwork. We were paid in nine days.”
Oliver BrennanHome claim · paid in 9 days
★★★★★ Verified client
“Marcus bundled our house and two cars and cut $61 a month off what we were paying. Then he actually explained what we’d bought.”
Priya & Dev RamanHome + auto bundle
FAQ
Book a free review Health & life, made simple
A common starting point is 10–12 times your yearly income, plus debts like a mortgage. Our calculator and advisors can help you fine-tune it.
Term life covers you for a set period, usually 10–30 years, and is the most affordable. Whole life lasts for life and builds cash value, but costs more.
Not always. Many policies up to $500,000 can be approved with a health questionnaire only.
Yes. Family plans cover you, a partner and children up to age 26, with one deductible and one out-of-pocket maximum.
Protect the ones who matter most
A free 20-minute family cover review, by phone or video. No pressure, just clear answers.
- Free, no-obligation quotes
- Licensed advisors, no call centres
- Claims advocate on your side