NIB have the best rates, but they can take a long time to process applications, I heard recently that you have to wait more than two weeks just to meet with one of their advisors, but if you are in no hurry, they do have the best rates. I would say go to an independant broker and go to NIB yourself, Brokers will often offer deals on Life cover or Home cover that compensate for the rate not being as good as NIB, play them off each other and go with the best over all offer. cant hurt, in the current market everyone wants the business