InvestSMART

Join thousands already saving

Thousands of Australians have used InvestSMART Cashback to reclaim commissions on their life and personal insurance.

So far, 26,482 members have received $28,107,951 in cashback – and the numbers keep growing every month.

It’s free and easy to see if you qualify.

Check if you're eligible
Save using cashback

Real Australians getting real cashback 

Meet some of the customers who’ve already put money back in their pockets – simply for nominating InvestSMART Cashback as their broker. 
Toni example
Toni, 60 (WA)
  • Life insurance: $605,000
  • Trauma cover: $88,538
  • Total premium: $464.43 per month
Cashback
Cashback received in 2025: $169.86
Toni example
Peter, 62 (QLD) 
  • Life insurance: $735,000
  • Trauma cover: $157,500
  • Total premium: $921.30 per month
Cashback
Cashback received in 2024: $378.89
Case studies are based on real InvestSMART customers. Image used for illustration purposes.
Cashback amounts shown are after InvestSMART’s fees. Read our Terms and Conditions for more information.

FAQs

We work with Life Insurance products including Life, TPD, Trauma and Income Protection.
We work with AIA, TAL, OnePath, Zurich, Acenda/MLC, CommInsure, and ClearView.

This varies depending on your Insurance policy. Generally, trailing commissions can vary but as a guide, they could be around 10-20% of your policy premium.

We retain the first $75 per year and rebate 50% of everything above this amount. EG. If we receive $200 in commissions, we retain $75, then will rebate $62.50 to you.

If you have an eligible product, you can nominate InvestSMART Cashback to be your Broker and start to collect the commissions. However, we also offer new policies, where we can see if we can find a cheaper Insurance provider.
Your current Adviser may be receiving commissions on your policy. If you nominate InvestSMART Cashback as your Broker, we can start to collect the commissions to put towards your annual Cashback payment.
No, InvestSMART Cashback will retain these commissions. Trailing commissions usually start from the second year onwards which go towards your Cashback payment.
We only provide General Financial advice, not Personal Financial advice. This means we can only provide general information and assistance on your policy, and will not take into account your personal circumstances or objectives.

No. Retail and Industry super funds generally have Group type insurance and trailing commissions do not apply. However, we may be able to work with Insurance owned by an SMSF. As a guideline, if the Insurance policy has the same account number as your Super Fund, no trailing commissions would apply.

No. We cannot work in retrospect. Any commissions for old Insurance policies would have already been paid. We can only collect commissions going forward on in force Insurance policies.