A better way of life

We reinvented life insurance to offer everyday Australians better value, simpler applications and faster, friendlier claims.

It’s that simple.

Advisers gave us 4.7 out of five stars

When asked if they’d recommend us.

Putting claims first

We believe there’s no better way of creating a new standard in life insurance than delivering a great claims experience.

Jump into life with NEOS

We’re one of the largest writers of new life insurance business in Australia. Find out why NEOS is better.

Better life insurance award winning service


provides a lump sum payment if the insured person dies or is diagnosed with a terminal illness.


provides a lump sum payment if the insured person becomes totally and permanently disabled.

Illness Cover

provides a lump sum payment if the insured person suffers a critical illness.


provides a lump sum payment if the insured child dies, is diagnosed with a terminal illness or suffers a critical illness.

Support Cover

replaces up to 70% of the insured person’s income if they’re unable to work due to illness or injury.

Your life insurance questions answered

Life insurance, sometimes also referred to as life cover, provides a lump sum payment if the insured person dies or is diagnosed with a terminal illness. This money can be used to pay off debts such as a mortgage, cover daily living expenses or be saved for future needs such as school fees.

A financial adviser will work with you to understand your individual circumstances, as well as your personal and financial goals. They will then tailor an insurance plan that ensures you and your loved ones have the protection that’s right for you. They will answer questions specific to your circumstances, guide you through the application process, and be available to review your cover needs over the longer term, as your individual or family circumstances change. Importantly, should the worst happen, they will also be there to assist with the claims process.

NEOS is a new kind of life insurance business that passionately believes advisers and their clients deserve better.

We’ve brought together some of the brightest insurance minds to challenge complacency and build a truly customer centric business.

NEOS will deliver faster decisions, superbly responsive service and value-for-money cover that you can recommend without hesitation.

Learn more about NEOS

NEOS life insurance products can only be purchased via the assistance of a financial adviser.

The set up of your plan depends on many variables, such as the cover type(s) being applied for, the cover amount and any additional information we may need to assess your application including your current health and medical history. At times, we may need to wait for information to be returned to us from other providers such as your doctor(s).

Importantly, purchasing life insurance with the guidance of your financial adviser, means you’re receiving expert advice and your life insurance plan is tailored to your individual needs.

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NEOS Protection clients are covered for novel coronavirus
(COVID-19). NEOS Protection plans do not contain any
general exclusions in relation to epidemics or pandemics.

If you or your client contracts COVID-19, you can make a claim as you would for any other illness. This includes any Life, Total and Permanent Disability (TPD), Critical Illness, Child’s Critical Illness and Income Protection cover types.

Please note, if there is a specific exclusion noted on your plan schedule (e.g. a travel exclusion), this may impact your eligibility to claim for COVID-19.

As with all claims, all disclosure obligations must be met as well as the terms of cover in order to be eligible for a benefit payment.

You can access a copy of the Product Disclosure Statement here.

If you wish to make a claim, simply call or email us using the contact details below. Your financial adviser can also do this on your behalf.

Call us: 1300 090 188
Email us: claims@neoslife.com.au

Call us on 1300 090 188 or email us at customerservice@neoslife.com.au and we’ll update your name and/or address for you.

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Why you'll love NEOS

The claims department is great, and very professional. Fast claims service with great backup across all areas. Well done NEOS living up to your promises with exceptional service!

NSW adviser

Seriously I honestly don’t have the correct words to be able to thank you for all your amazing support and care you have given me over this past 8 months. I really do appreciate and thank you so much. You are an amazing caring great person thank you so much.

QLD adviser