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As much as you might think a life insurance policy is about the death of a specific person as well as the financial implications of that happening, you might need to look at the whole reason why you take the policy out in the first place. Essentially it boils down to providing something for your family when you are no longer around to do so, and yes you do have to pay a monthly contribution to an insurance company, and yes you will also be paid out a benefit amount in the event of your death but those contributions and benefits are not the reason why we have the policy in the first place. We have those so that in the event of a bread winner dying, the whole family can carry on with their lives making sure that they don't lose anything or compromise on their way of living.
There are several places that you can approach to get the right advice for this type of thing, and even if you haven't got a clue about it. Pricelineprotects.com.au is a good site for Australians to look at if they are interested in learning more about the different types of insurance available and you can even arrange for quotes to be sent through to you. You might want to give it a brief comparison as well so you can see what benefits you are entitled to and how much you are supposed to pay each month as your contribution towards it. The monthly premium you pay is determined according to your risk profile and your risk profile is determined by all of those questions they ask you during the quoting stage. They usually run through a fairly long list of questions that relate to your background, including your family history of illness and any current or past illnesses that you might have had that were of particular significance. In most cases they will ask you for a medical examination, where you need to go for a full body check up with a doctor or nurse. They usually take bloods and send them off to the labs for screening. Once all of those factors have been including and incorporated into the policy they are able to give you an accurate premium based on all the info they accumulate.
You can then decide if the premium is affordable or not and you can compare which of the policies will give you the best benefits for the intended price. Once you are happy with that, you just need to tell them when to start the policy.

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