One of the most common search queries in the industry is “life insurance cost per month” — and for good reason. Australians want clarity, predictability and transparency when it comes to life insurance pricing. The reality is that life insurance cost in Australia varies widely depending on age, health, lifestyle, smoking status and the type of policy you choose. But with the right information, you can find affordable cover that protects your family without stretching your budget.

Life insurance is one of the most important financial decisions you can make, and for smokers in Australia, understanding how premiums are assessed can make a significant difference to affordability. While it’s true that smoking increases life insurance costs, it doesn’t mean cover is out of reach. Thousands of Australians who smoke still secure strong, competitively priced life insurance every year — and many pay less than they expect.

At Covered Life, we believe comparing life insurance should be simple, transparent, and stress-free. Here’s how to do it the right way, step-by-step.