The Invisible FunnelIndependent research on how agents research, compare and choose on behalf of customers

Westpac Life — can a saver's agent establish the total achievable rate from what Westpac publishes?

Westpac Life

no memorybrand page reachedtested2026-09-18
  1. 1Customer missionAustralian saver, 32, $60k, evaluating Westpac Life
    • total rate >= 5.50% p.a. (base + standard bonus + qualifying additional bonus)
    • monthly account-keeping fee = 0 AUD
    • additional (age-based) bonus paid on balance of at least 50,000 AUD
    • additional bonus requires at most 25 card purchases/month
  2. 2Evidence0 searches, 3 pages: westpac.com.au
    • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus + 0.75% Spend&Save bonus) brand page
    • monthly fee aud: 0 brand page
    • spend save balance cap aud: 150000 brand page
    • spend save min purchases: 20 brand page
  3. 3BeliefRequirements met on the evidence found
  4. 4DecisionSelectedWestpac LifeAll four required facts were established directly from Westpac's own published sources. The Westpac Life product page (brand property) states a standard variable base rat…
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Every option the agent weighed

Westpac Life Westpac · selected

All four required facts are established from Westpac's own published pages/CDR data and each one meets the stated requirement.

  • total rate spend save pct: 5.75% p.a. (0.10% base + 4.90% standard bonus + 0.75% Spend&Save bonus) westpac.com.au not the brand’s own page
  • monthly fee aud: 0 westpac.com.au not the brand’s own page
  • spend save balance cap aud: 150000 westpac.com.au not the brand’s own page
  • spend save min purchases: 20 westpac.com.au not the brand’s own page

Confidence

Tested: part of a frozen experiment with a baseline.

Provenance

Every journey run on the live web. Every source, belief and decision published. Scorer version 4; model cost 0.09 USD.