Let’s Insure Essentials Life Cover provides affordable protection in the event of your death, disability and severe illness, and is adaptable to your changing circumstances.
You have the flexibility to choose the benefit you think your family would need - up to $350,000. And as our Essentials Life Cover is an underwritten product, you could also access lower premiums by simply answering a few lifestyle and medical history questions.
Our Essentials Life Cover is affordable and easy to apply for with no paperwork, medicals or blood tests.
$100,000 cover can cost from as little as 19 cents a day or $68 a year1
Plus, once you’ve held your cover continuously for 3 years, you’ll automatically receive a free Financial Planning Benefit.
Have greater peace of mind knowing you and your family will receive a lump sum in the event that you or other lives insured suffer:
Stepped Premium option
Generally, your premiums will increase each year as you get older. Plus, as we want you to keep the real monetary value of your chosen Benefit, a 5% Automatic Sum Insured Increase is added annually at your Policy Anniversary to keep up with inflation.
You can choose to opt-out of the Automatic Sum Insured Increase if you wish by contacting us.
Fixed Premium option
Under the Fixed Premium option, once your premium rate is determined during your Policy application, it will remain fixed for the life of your Policy. However, your Benefit Amount will decrease each year to cater for the increased cost of your cover as you age. You will receive an updated Policy Schedule every year to advise you of your Benefit Amount change.
Answer a few health and lifestyle questions
Don’t forget, premiums are free after you reach age 92.
We’ve made it easy to choose the cover that’s right for you and your family. Simply:
1. Based on a female non-smoker, aged 34.
To purchase a policy or to enquire about our products call:
1300 499 499