Terms & Conditions

*The saving of 40% is based on the highest priced product available on Rate Detective’s panel versus the lowest priced product on that panel, (as at 20/06/2016) and based on hypothetical 42-year-old female non-smoker seeking $1m life insurance cover (premium level). Not all life insurance providers in the market are included in the comparison. The amount of any savings will depend on your circumstances.

© 2016 Ginger Productions – All Rights Reserved. The LifeRefunds Website is operated by Rate Detective Pty Ltd. The Rate Detective website and brand name is operated by Spotter Finance Pty Ltd who are an authorised representative of MYONLINEADVISERS PTY LTD ABN 85 159 942 828 Australian Financial Services Licensee 427484. Spotter Finance and its advisers are authorised to advise and deal in superannuation and life insurance products only. Any information or advice contained on this website is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information or advice on this website, you should consider the appropriateness of it (and any relevant product) having regard to your circumstances and, if a current offer document is available, read the offer document before acquiring products named on this website. Please note our advice does not include independent financial, legal and taxation advice prior to acquiring a product. Not all providers of insurance, mortgages, and credit cards on the market are included in our comparisons. The amount of any savings will depend on your circumstances. The financial products compared on this website do not necessarily compare all features that may be relevant to you. Comparisons are made on the basis of price only and different products may have different features and different levels of coverage.

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