Life Insurance

• You'll be covered if you die or if you're diagnosed with a terminal illness (with a life expectancy of less than 12 months) within the length of the policy.
• You choose how much cover you need and how long you need it for.
• Premiums are guaranteed and will not change unless you make changes to the policy.
• Additional benefits are included at no extra cost, such as Free Life Cover and Accidental Death Benefit. Terms and conditions apply.
• You have the option to add Critical Illness Cover at an extra cost when you take out your life insurance policy. 

Please read the key documents before you apply:

• This is not a savings or investment product and has no cash value unless a valid claim is made.
• If you stop paying premiums when due, your plan will be cancelled and you won't get anything back.
• You won't be covered within the first year of the policy if you die as a result of suicide or intentional and serious self-injury, or an event where, in our reasonable opinion, you took your own life.
• You won't be covered if your terminal illness does not meet our definition. See the Policy Booklet PDF(3.2MB) for more information.
• If your life insurance is to cover your mortgage, your policy may not completely pay off your outstanding mortgage unless you make sure your amount of cover is adjusted to match any new mortgage arrangements. If you take out Decreasing Life Insurance you should also check that the interest rate on your mortgage does not become higher than the rate applied to the policy. The rate will be shown in your Personal Quote or the Policy Booklet.