Life Cover

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  • Easy to apply for – no paperwork, medicals or blood tests

  • Up to $1.5 million of Life Cover

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About Life Cover

Let’s Insure Life Cover provides comprehensive 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 $1.5 million. And as our Life Cover is an underwritten product, you could also access lower premiums by simply answering a few lifestyle and medical history questions.

Our Life Cover is affordable and easy to apply for with no paperwork, medicals or blood tests.

$100,000 Cover costs from as little as 24 cents a day1


The benefits of Life Cover

  • Choose a Life Cover benefit – from $50,000 up to $1.5 million2 so your loved ones can continue living the life you want for them
  • Family cover available – to protect your partner and any dependent children
  • Advance Funeral Benefit of $16,000 – to assist with your funeral and other final expenses
  • Early payment – on diagnosis of a Terminal Illness
  • Flexible Premiums – choose from Fixed or Stepped Premium options
  • Premiums are free after age 92 – and cover continues for life
  • Automatic cost of living increases – to help your Policy keep up with inflation
  • Add thousands to your final benefit – with our range of optional covers:
    • Accidental Death Cover
    • Children’s Cover
    • Total and Permanent Disability Cover
    • Trauma Cover
  • 30-day cooling-off period – to ensure you’re completely satisfied

Plus, once you’ve held your cover continuously for 3 years, you’ll automatically receive a free Financial Planning Benefit.


What optional extras are available with Life Cover?

Have greater peace of mind knowing you and your family will receive an extra lump sum in the event that you or other lives insured suffer:

  • Total and Permanent Disability – depending on your age, you can receive a maximum benefit up to $1,000,000
  • Trauma – such as any of the ‘big 4’ – Cancer, Coronary Artery Bypass, Heart Attack, Stroke - or other serious trauma events. This cover pays an added benefit up to $500,000
  • Accidental Death – if you or another life insured suffers an Accidental Death, receive an added benefit up to $600,000
  • Children’s Cover – insure any dependents aged 2 – 18 up to $60,000 if they suffer an Accidental Death or a Childhood Trauma event

Click here for more detailed information or refer to the Product Disclosure Statement.


What are the different Life Cover premium options?

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.

Don’t forget, premiums are free after you reach age 92.


Getting a Life Cover policy

We’ve made it easy to choose the cover that’s right for you and your family. Simply:

  • Step 1. Choose how much Life Cover you require to help your loved ones
  • Step 2. Choose who you’d like to cover – just yourself or yourself and your partner plus any children
  • Step 3. Choose whether you want to add any optional covers to your Policy.
  • Step 4. Choose from Stepped or Fixed Premium options and how frequently you wish to pay – weekly, fortnightly, monthly or annually.
  • Step 5. You can be covered over the phone in minutes.


1. Based on a female non-smoker, aged 35.
2. Maximum Life Cover Benefit caps apply depending on your age at the time of application.

About Optional Covers

About Optional Covers

Find out more about adding an extra layer of protection with our Life Cover Optional Covers.
More on Optional Covers
Life insurance FAQs


Have questions? Find answers to commonly asked Life Cover questions here.
More Life Cover FAQs
Life Cover FAQs How to make a claim
How to claim
Get Insurance quote To purchase a policy or to enquire about our products call:
1300 499 499
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