LifeCoverOnline Terms and Conditions

The Services

LifeCoverOnline Pty Limited ACN 143 530 287 ("LifeCoverOnline"), provides these services ("Services") to you subject to these terms and conditions. In these terms and conditions, "you" and "your" means the person contacting with LifeCoverOnline.

To access this Service, you must read, understand and consent to these terms and conditions. You and LifeCoverOnline agree that the electronic version of the application that you fill online will satisfy all requirements that such document be "in writing". In addition, you must keep the original application which will be emailed to you after completing the application and provide same to LifeCoverOnline on request.

Upon receipt of the above documents, LifeCoverOnline will forward your application to apply for insurance to various organisations. By registering and making an application is not an offer of insurance. Your application must be accepted by the insurance company and terms of insurance offered to you in writing before any application is binding. If you are requested to provide further medical evidence you will agree to do so without prejudice.

If the organisations to which your details have been provided previously have information about your insurance application, LifeCoverOnline will request that information be provided to the insurance company that is underwriting your application. If that organisation requires further information from you, LifeCoverOnline will ask you to supply that further information, and you acknowledge that if you do not supply that further information, LifeCoverOnline may not be able to supply some or any of the Services to you. On receipt of the information from a relevant organisation, LifeCoverOnline will collate this information and will e-mail the results of your application to you at your nominated e-mail address. If the organisations with which LifeCoverOnline communicates do not agree to accept the insurance risk then LifeCoverOnline will advise you accordingly.

Services provided on website and access to these services

LifeCoverOnline's website offers you the service of an online quoting application used to compare and select life insurance products in Australia. To access LifeCoverOnline's quoting application tool you must agree to the Terms and Conditions, the Privacy Statement and the Financial Services Guide (FSG). The online service LifeCoverOnline provides is to give you a comparative range of insurance products based on your personal and non personal information you provide and the insurance options you choose on the website. The products LifeCoverOnline compares constitute our Approved Product List (APL). Our APL consists of over 120 products from 12 major insurers operating in Australia, for information about the APL please telephone us on 1300 664 118, email us on or mail your enquiry to Level 4, 32 Delhi Rd, North Ryde, 2113. The quoting application is developed and maintained by Omnium Pty Ltd, an authorised and independent life insurance research and technology house operating in Australia.

If you choose to have advice, our website can connect you to an adviser based on your selected postcode or suburb. You may also nominate an adviser of your choosing.

Additional Terms and Conditions

LifeCoverOnline does not guarantee that it will obtain any acceptance of insurance from its enquiries. As LifeCoverOnline will be relying on information supplied by third parties, it does not provide any warranty as to the accuracy of this information, nor does it warrant that the information will be error free.

LifeCoverOnline acknowledges that you may have rights under legislation, including without limitation the Trade Practices Act 1974 which cannot be limited or excluded, and nothing in this agreement affects any such rights.

You use the Services and any information produced as a result of the Services at your own risk. To the extent permitted by law, LifeCoverOnline is not liable for any direct, consequential or indirect loss which you may suffer as a result of relying on the information provided by LifeCoverOnline. To the extent that any financial information is provided on this website, it is provided as general information only. LifeCoverOnline is not a financial adviser and it does not provide financial advisory services. However it does provide a technical link between you and a qualified or licensed financial adviser if you choose to have advice.

To the extent permitted by law, LifeCoverOnline excludes all liability to you, or any other person claiming through you, however arising for any cost, loss, liability or damage arising out of LifeCoverOnline performance or failure to perform or delay in performing its obligations under these terms and conditions and the Service description including, but not limited to, liability for any economic, indirect or consequential loss, including, but not limited to, any loss of profits or loss of business.

To the extent that LifeCoverOnline does have some liability to you at law which cannot be excluded, and provided such liability can be limited, the total liability of LifeCoverOnline to you or any person claiming through you for any cost, loss, liability or damage arising in relation to the Service due to LifeCoverOnline performance of, or failure to perform, its obligations under these terms and conditions and including as a result of any act or omission of LifeCoverOnline, whether in contract, tort, statute or otherwise, is limited (to the extent permitted by law) at LifeCoverOnline's option to supplying the services again or paying the cost of doing so.

As LifeCoverOnline is relying on third parties over whom it has no control, LifeCoverOnline does not guarantee any minimum time period for a response to its enquiries.

You acknowledge that LifeCoverOnline will disclose your personal information to third parties in accordance with LifeCoverOnline's privacy policy. LifeCoverOnline makes no representations or assurances as to the manner in which your personal information will be used or handled by third parties to which it is disclosed.

While LifeCoverOnline will take every reasonable precaution to protect your personal information, it does not guarantee that such information will not be disclosed to unauthorised persons after it has been validly provided to a third party.

You acknowledge that LifeCoverOnline may disclose information, including personal information, about you to third parties for any lawful purpose, including marketing and sales purposes. In some circumstances, LifeCoverOnline may receive payment from third parties for supplying such information about you. You further acknowledge that both LifeCoverOnline and any third party to which LifeCoverOnline discloses information may use information about you for any lawful purpose. For the avoidance of doubt, you agree that LifeCoverOnline and any third party to which LifeCoverOnline discloses information may use information about you for purposes unrelated to the Services.

You acknowledge that LifeCoverOnline's enquiries will be based on the information you provide. LifeCoverOnline is not responsible for the result of its enquiries if the information you provided is not correct in any way. You warrant that any information provided to LifeCoverOnline is correct and that you have the authority to submit such information. You indemnify LifeCoverOnline against any actions arising out of or in relation to the information provided by you.

These terms and conditions are subject to the laws of New South Wales. The Services are provided only to Australian citizens or permanent residents in relation to their activities in Australia.