Individual
Essential
$29 /month
For one adult who wants life and health basics set out before anything is bought.
- Opening household picture
- Term life illustration
- Health limit overview
- Written reason for the choice
- Annual email review
Home / Pricing
Pricing
Three ways to begin a review. The figures are illustrations so you can see the shape of the work. They are not a quote and not a policy.
Most chosen
Family Circle
$59 /month
For a household that wants one guide and a renewal meeting, not a forgotten direct debit.
- Life and health mapped together
- Home contents checkpoint
- Named guide for the year
- Renewal meeting included
- Claim checklist on file
Broader
Premier
$99 /month
For people who also drive, travel, or need income protection in the same conversation.
- Everything in Family Circle
- Motor and travel review
- Income protection sketch
- Priority claim file review
- Mid-year life-change check
A representative confirms eligibility, insurer pricing, and policy wording after a personal review. Monthly figures above describe CebaPay guidance plans, not an insurer’s premium.
Side by side
What Each Guidance Plan Includes
Insurer premiums sit on top of this work and depend on age, health, property, vehicle, trip, and the disclosures you make. We never fold those unknowns into a single “from” price and call it final.
| Included in the guidance | Essential | Family Circle | Premier |
|---|---|---|---|
| Plain-language file note | Yes | Yes | Yes |
| Life cover structure | Illustration | Household map | Household map |
| Health limits compared | Overview | Full split | Full split |
| Home contents checkpoint | — | Yes | Yes |
| Motor driver and usage check | — | — | Yes |
| Travel activity review | — | — | Yes |
| Income waiting-period sketch | — | — | Yes |
| Named guide | Shared desk | Named | Named, priority |
| Renewal meeting | Written note | Meeting | Meeting plus mid-year |
| Claim file support | Checklist | Checklist and guide | Priority review |
How money actually works
There are two kinds of cost, and we keep them apart. The first is the insurer’s premium: the price of the contract that pays a claim if the wording responds. That price is calculated by the insurer from the risk you present. CebaPay does not invent it on this page.
The second is the guidance plan: the time a CebaPay person spends reading, comparing, and staying available. Essential, Family Circle, and Premier are those plans. You can ask for a single review without joining a monthly plan. Tell us that in the enquiry and we will outline a one-time conversation instead.
What can change the insurer’s price
- Age and health disclosures for life, health, and income cover.
- Rebuild cost, location factors, and claims history for a home.
- Vehicle, drivers, usage, and parking for motor cover.
- Trip length, activities, and existing conditions for travel.
- The excess you choose to carry yourself.
What we will not do
We will not collect card numbers on this website. We will not show a countdown price. We will not describe an illustration as “approved.” If a figure changes after underwriting, the guide explains the difference against the note you already have.