Active Cover

Active is an insurance package crafted for long-term protection against the financial consequences of severe illnesses, injuries, terminal conditions, and death. Active Cover covers 169 health events, surpassing any trauma cover in Australia. It offers a greater proportion of benefits for more severe events, allowing for multiple claims over time. 


Three types of protection

One insurance plan, providing three types of protection – life, disability, and sickness. The insured can receive benefits under each category.

Widest Range

The coverage encompasses 169 health conditions, surpassing other critical illness insurances in Australia. Claims can be made in a progressive manner, from mild to severe, allowing for multiple claims.

Protected Cover for Future Claims

In the event of a 100% claim, the three-in-one insurance ensures a guaranteed minimum amount of 25% of the original insured sum to prevent future claims due to factors like disease deterioration or transfer.

Multi-tier claims

If the health issue falls outside the 169 covered categories, the insured can still make a claim through the safety net claims test.

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Who needs 3-in-1 insurance?

Individuals with real estate and loans, seniors, and dependents may have comprehensive wealth protection needs in the event of death, terminal illness, illness, or disability:

  1. Beneficiary Guarantee: Desire to leave a guaranteed benefit for children, partners, and parents.

  2. Property Protection: Seek to safeguard property, repay loans, and mitigate the risk of leverage issues.

  3. Business Continuity: Want continuous funding for effective business management and protection for the business.

  4. Cash Flow Gap and Living Expenses: Need to bridge cash flow gaps and cover essential living expenses.

  5. Medical Bills and Rehabilitation Costs: Want financial assistance for medical bills and ongoing rehabilitation costs not covered by Medicare or Private Health.

  6. Income Loss due to Illness: Desire for income support in case of inability to work due to illness.

  7. Health and Consumption Benefits: Seek health and consumption benefits as insurance members to save money.

  8. Continuous Safety Net: Want an enduring safety net with extensive coverage, a multi-layered claims plan, and the option for multiple claims.

How to customize your life insurance policy?

Calculate the sum assured

What is the mortgage repayment amount? Are there other outstanding debts? How much income needs protection? What are the education costs for children? What is the necessary living expenses?

Confirm premium coverage

What is your yearly disposable income? Determine a premium that won't impact your quality of life. A general suggestion is to allocate around 5-10% of your income for insurance configuration based on your individual circumstances.

Find the balance of protection

Tailor the coverage amount to fit within your affordable premium range. The concept is to invest in long-term comprehensive protection without compromising your quality of life. Strive for a balance between coverage and premiums, putting you in control of your wealth.

Compare insurance products for free

The Speed Lending Insurance specialist team is highly trained and experienced in risk management. We have successfully assisted many individuals in making claims during crisis situations. Our approach is straightforward, helping you compare top Australian insurance brands efficiently. This empowers you to customize a preferred insurance solution that meets your protection needs—affordable and tailored to your preferences. This streamlined service saves you time and money, providing an intimate one-stop insurance and wealth management experience.

Why Choose Us

Free comparison

Our comparison service finds the balance, saving you time and effort.

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Top insurers, chosen insurance brands, and a dedicated specialist team for your support.


No hidden fees, lower premiums, more discounts, total peace of mind.

Speed Lending Care

Continuous insurance management and claims assistance, worldwide 24/7 protection.

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Share insights on wealth management, offer financial education, and provide risk management techniques.

Our Benefits

Reciprocal resources, interconnected networks, and collaborations with diverse reward initiatives.

Insurance comparison Life TPD Trauma Income Protection Active
Receive Monthly Benefit for being unable to work due to sickness or injuries.
Receive a lump sum benefits when you are permanently disabled and unable to work to in your occupation or any occupation.
Receive a lump sum benefit when you suffer from one of the listed major health event. (eg. cancer, heart attack or stroke, etc.)
Receive Monthly Benefit for being unable to work due to sickness or injuries.
Child Cover Option Receive Benefit when a child suffers a serious illness, disability, death or terminal illness.
Premium Paid via Super (100% or Partially)
Free Health Reward Program
Multiple claims
Additional Claims Safety Net
Protected Cover for Future Claims
Premium From AU$30.00/month From AU$30.00/month From AU$30.00/month From AU$50.00/month From AU$50.00/month


If your response is affirmative to the following queries, then it’s essential for you:

  1. Will an inability to work due to accident, illness, or disability impact your income?
  2. Do you require robust backup plans for necessary cash flow protection?
  3. Are there responsibilities tied to paying off your home loan?
  4. Do you aim to establish a financial safety net for dependents (family or children)?
  5. Is there a desire to add an extra layer of protection for your property?
  6. Do you wish to enhance the sense of security in your future work and life?
  • Died
  • Terminal illness (Example: Doctor predicts the insured has 24 months to live)
  • Suicide within 13 months is excluded from coverage.
  • Disclaimer: Exclusions apply for pre-existing medical conditions.

Typically, Australian life insurance is not fixed for a specific duration, and there’s no compulsory cost. You can customize your premium based on your situation, goals, and needs. Premiums are influenced by factors like the coverage amount, age, gender, premium structure, smoking habits, existing health risks, etc. General insurance often has a “validity period,” such as “valid until the age of 99.” During this period, policyholders can adjust or terminate the policy as needed for themselves and their beneficiaries.

 Pensions can pay 100% of life insurance premiums.


The underwriting officer of the insurance company will thoroughly assess the applicant’s health to determine the need for a medical examination.

For instance, when applying for critical illness insurance, if the applicant has any pre-existing health conditions like hyperlipidemia, high blood pressure, fibroids, or nodules, or if the applied critical illness insurance amount meets the underwriting medical examination criteria, the insurance company will proactively reach out to arrange a medical examination for yo

Who do I contact in the event of a claim? For insurance claim events, please promptly contact the Speed Lending Insurance team at; we will notify the insurance company based on your claim event and assist in preparing the necessary supporting documents.

Are there any additional charges for claims service? No, the claims service offered by Speed Lending to Insurance members is provided at no extra cost.

Can I contact the insurance company directly? Yes, you can. As your insurance policy is a legal contract between you and the insurance company, you have the option to directly contact the insurance company to initiate a claim.

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