Company Overview
Company Overview - Integrity Life
For years, Integrity Insurance has stood as a beacon of trust and reliability in the Australian life insurance landscape. Committed to providing straightforward and dependable protection, Integrity understands that securing your family's financial future is a deeply personal and important decision.
Built on a foundation of strong values and a dedication to customer care, Integrity Insurance offers a range of life insurance solutions designed to meet the diverse needs of Australians. Whether you're looking for comprehensive cover to protect your family's lifestyle, financial security for your children's education, or peace of mind knowing your mortgage is secure, Integrity strives to offer policies that are clear, accessible, and provide genuine value.
Integrity Insurance believes in transparency and making the process of choosing life insurance as simple and stress-free as possible. They are dedicated to providing clear policy terms, efficient claims handling, and ongoing support to their policyholders.
Key Information
Key Information –Integrity Life Insurance
Underwriter:
Maximum Sum Insured:
Types of Cover Generally Offered:
Advance Payout Option:
Inflation Protection:
Family & Multi-Policy Discounts:
Waiting Periods: Medical Requirements:
Application Process: Cooling-Off Period:
Life Insurance Code of Practice:
History and Milestones
Integrity Life – History and Milestones
Company History and Milestones
Integrity Life Australia Ltd is an Australian life insurer. Integrity aims to offer a compelling proposition to bring life insurance to everyday Australians.
Key Developments:
- Core Focus: Integrity centers its operations on being customer-centric, innovative, and committed to treating customers with respect, fairness, and care.
- Customer Reach: Integrity has provided protection to over 187,000 individuals across Australia, including those associated with some of the country's major brands.
- Product Range: Integrity offers a selection of insurance options for both individuals and businesses, enabling the creation of customized life insurance packages. The insurer emphasizes designing products for real-life scenarios and long-term sustainability.
- Technology-Driven Approach: Integrity is a technology-led insurer.
- September 2023: Integrity Group Holdings Limited (IGHL) and its subsidiary, Integrity Life Australia Limited (ILAL), ceased writing new life insurance policies in the Retail Advised and Corporate Group Insurance channels.
Key Strengths
Integrity Life: Key Strengths
Customer-Centric and Innovative:
- Integrity Life is an Australian life insurer that prioritizes customers and innovation.
- The company focuses on treating customers with respect, fairness, and care.
Comprehensive Product Range:
- Integrity Life offers a range of insurance options, including Income Insurance, Life Cover, Critical Illness Cover, TPD Cover, and a Care Support Package.
- These products can be tailored to suit individual and business needs.
Focus on Value:
- Integrity aims to provide fair pricing by removing monthly premium loadings and policy fees.
- They offer a 2-year base premium rate guarantee.
- Integrity provides various discounts that can last the life of the policy, rewarding clients for combining cover and promoting healthy lifestyles.
Support for Advisers:
- Integrity offers an adviser portal and dedicated support to assist advisers.
- They aim to provide a streamlined quote and application process.
Claims Philosophy:
- Integrity is committed to a personalized and straightforward claims process.
- They focus on minimizing paperwork and early intervention.
Awards and Recognition
Integrity Life: Awards and Recognitions
Integrity Life has received several accolades for its innovation, customer service, and business excellence.
- Good Design Award: Integrity Life won a Good Design Award for their adviser portal, recognized for its ease of use and navigation. Notably, they were the only life insurance company to ever receive this award.
- Insurtech of the Year: Integrity Life won an Insurtech of the Year award, acknowledging their innovation and use of technology in the insurance industry.
- Other Recognitions: Integrity Life has also received recognition for its customer service, business excellence, and innovation in the life insurance space.
Why Choose Integrity Life
✓ 100% Focused on Life Insurance
Integrity Life is a specialist life insurer — not a general insurer. This means their full focus is on delivering quality life insurance products that are fair, transparent, and built around real customer needs.
✓ Built from the ground up
Launched with no legacy systems, Integrity Life uses modern technology and systems designed for today’s customers and advisers — making their application, underwriting, and claims processes more efficient and customer-friendly.
✓ Easy-to-understand policies
Integrity Life is committed to transparency. Their policy documents are written in plain English and are structured to be simple, fair, and free of unnecessary complexity.
✓ Award-winning product design
Their life insurance offerings have received industry recognition for innovation and value, reflecting Integrity’s customer-first philosophy and commitment to continuous improvement.
✓ Human claims support
Integrity Life provides a dedicated claims specialist to guide customers or beneficiaries through the process — offering personalised support during difficult times.
✓ Flexible cover options
With tailored cover for life, TPD, income protection, and critical illness, customers can build a policy that suits their lifestyle, family situation, and future goals.
Features and Benefits
Continuation option
Allows Life Cover to be continued outside superannuation.
Advance Payment for Funeral Costs
If the policy is owned outside superannuation, there's an option for an advance payment of $25,000 to help with immediate expenses after the insured's death.
Premium freeze
For stepped premiums (excluding Care Support Package), there's a premium freeze option to fix the premium, although the cover amount reduces annually while the freeze is in place.
Split income insurance
Provides flexibility for Income Insurance to be held inside or outside superannuation, with rules for how the policy can continue if one part ends.
Grief support benefit
Under the Care Support Package, Integrity Life will reimburse the cost of grief counseling sessions for the insured or their immediate family members, following a Care Support Event.
Policy transferability
Integrity Life has rules for transferring policies from other insurers
Special Promotions & Discounts
Life Insurance Compare Australia
Integrity Life does not currently have any special promotions with Life Insurance Compare, however you can use the comparison tool to compare Integrity Life Insurance policies with other providers.
Pros and Cons of Integrity Life Insurance
| Pros | Cons |
|---|---|
| Modern and tech-driven – Built with no legacy systems for faster applications and better user experience | Adviser-only access – Policies must be applied for through a licensed financial adviser, not directly by consumers |
| Clear and transparent policies – Plain-English PDSs and fair product design | Limited brand recognition – As a newer player, it may not have the household recognition of legacy insurers |
| Comprehensive cover options – Offers Life, TPD, Trauma, and Income Insurance with strong customisation | Medical underwriting may be required – Depending on health disclosures or sum insured levels |
| Flexible premium structures – Choose between stepped and level premiums to suit your budget | No direct sales model – Not available for those wanting to purchase without advice |
| Dedicated claims support – Customers receive a named claims specialist to manage their claim | No general insurance products – Strictly focused on life insurance, so no bundling with other cover types |
| Ethical underwriting philosophy – Strong focus on fairness, customer wellbeing, and tailored decision-making | Newer company – While licensed and regulated, it doesn’t have decades of track record like older insurers |
Sustainability and Corporate Responsibility
Integrity Life – Sustainability and Corporate Responsibility
While Integrity Life's core focus is on providing valuable insurance products, their approach to business demonstrates an underlying commitment to responsible practices. This is evident in their customer-centric philosophy, emphasis on long-term sustainability, adherence to industry codes, and dedication to fair pricing.
Customer-centric approach: Integrity Life emphasizes treating customers and partners with respect, fairness, and care. This focus on ethical conduct and customer well-being aligns with principles of corporate responsibility.
Long-term sustainabilityIntegrity states that they design their products with real-life in mind and avoid prioritizing short-term gain over long-term sustainability. This suggests a responsible approach to business practices.
Compliance and ethical conduct: Integrity Life is a signatory to the Financial Services Council's Life Insurance Code of Practice. This demonstrates a commitment to adhering to industry standards and ethical behavior.
Focus on fair practices: Integrity aims to provide fair pricing by removing policy fees and monthly premium loadings. This can be seen as a responsible approach to providing financial products
Partnerships & Affiliations
Diversa Trustees Limited
Integrity Life has a partnership with Diversa Trustees Limited, who act as the trustee of the Integrity's Here for You Super Plan, which provides members with access to life and disablement cover inside superannuation.
Financial Services Council
Integrity Life is a signatory to the the FSA
Product Disclosure Statement
Integrity Life - Product Disclosure Statement (PDS)
The Integrity Life Insurance Product Disclosure Statement (PDS) provides important information to help you decide if this policy is right for you. It outlines the key features, benefits, conditions, exclusions, and risks involved with holding a policy, as well as how premiums work, and other important policy information.
Key Information:
- Product Name: Integrity's Here for You
- Insurer: Integrity Life Australia Limited (ABN 83 089 981 073, AFSL 245492)
What’s Included:
- A range of insurance cover types that can be customized to suit individual needs.
- Core cover types include Income Insurance, Life Cover, Critical Illness Cover, and Total and Permanent Disablement (TPD) Cover.
- Options and extra benefits are available to customize the policy.
- Care Support Package is available as an additional benefit.
- Optional automatic benefit increases to help keep pace with inflation.
To access the full PDS: Visit our PDS section
IMPORTANT NOTE: This information is general information only, which means it doesn't consider your individual objectives, financial situation or needs. Therefore, you should consider how appropriate Integrity Life Insurance is for you by carefully reading this PDS and comparing your options before making a decision..
Target Market Determination
Integrity Life Insurance TMD
Issuer: Integrity Life Australia Limited (ABN 83 089 981 073, AFSL 245492)
Who this cover is designed for:
The target market comprises consumers who are seeking life insurance cover to protect their financial needs and those of their families.
This includes individuals who:
- Want access to a range of insurance cover options that can be customized.
- Are looking for income protection in case of disability.
- Want cover for specific illnesses or disablement events.
Key Features:
- Integrity's Here for You offers a range of core cover types: Income Insurance, Life Cover, Critical Illness Cover, and Total and Permanent Disablement (TPD) Cover.
- Additional options and benefits are available to customize policies.
- Cover can be held inside or outside superannuation.
- Policies may include CPI increases to cover amounts.
Cover Options and Benefits:
- Income Insurance: designed to protect income in case of disability.
- Life Cover: provides a lump sum upon death or diagnosis of a terminal illness.
- Critical Illness Cover: provides a lump sum upon diagnosis of specified medical conditions.
- TPD Cover: provides a lump sum in the event of total and permanent disablement.
- Care Support Package: provides support and reimbursement of expenses for specific care support events.
Important Exclusions:
- The documents highlight that it is important to understand exclusions when applying for cover.
- Specific exclusions apply to Income Insurance, such as those related to intentional self-inflicted injury.
- Specific exclusions also apply to Critical Illness Cover.
When it might not suit:
- This product may not suit individuals seeking a very basic or limited cover option, as it emphasizes flexibility and a range of cover types.
- Individuals with specific needs not met by the available cover options may find it unsuitable
NOTE: This product is not to be distributed through personal advice.
Contact Details
Contact Details – Integrity Life
Company Name: Integrity Life Australia Ltd
General Enquiries Phone: 1300 54 33 66
Underwriting Phone: 1300 54 33 66, Option 2
Claims Phone: 1300 54 33 66, Option 3
Postal Address: PO Box R1741, Royal Exchange NSW 1225
Operating Hours: 9:00am - 5.00pm, Monday to Friday (AEST / AEDT) - except national public holidays