Aussie Life PlanTM. An Insurance policy to suit your needs.
At Aussie, we understand how important your family is to you. That's why we created Aussie Life Plan™ - to provide an easy way to help secure your family's financial future with life insurance.
Easy to Buy
With Aussie Life Plan™, it's fast and easy for you to apply for financial cover to help care for your family if the worst were to happen. All Australians aged 18 to 64 can apply, and you can get approved over the phone in one call. But that's not all:
- No forms to fill out when you apply
- No medical or blood tests to apply
- Enjoy up to $1 million cover, depending on your age
- Keep your policy for life
- $10,000 advance on your payout to help with funeral costs and other unexpected expenses**
Compare Aussie Life InsuranceTM
At Aussie, we want to make sure you choose a life insurance policy that suits your needs. That's why we encourage you to compare our life insurance with quotes for other life insurance policies. We believe you'll find Aussie Life Plan™ to be affordable, easy to understand, and accessible. Get an Aussie life insurance quote.
Optional Benefits
You can add on a range of cover options to your life insurance. These include:
Children's Insurance
A helping hand towards covering things like school tuition and medical bills if your child suffers a defined serious illness. Choose cover from $20,000 up to $50,000.
Total & Permanent Disability Insurance
Could your finances cope if you suffered a serious injury? This cover can pay a benefit from $50,000 up to $500,000 if you are totally and permanently disabled.
Recovery Insurance
Receive a payout from $50,000 up to $500,000 if you suffer one of the following serious illnesses: Heart Attack, Malignant Cancer or Stroke or have Coronary Artery Bypass Surgery.
Accidental Death Insurance
An additional payout from $50,000 up to $500,000 if you die, or are seriously injured, as the result of an accident.
Enjoy a 30 Day Money Back Guarantee
There's a 30 day money back guarantee on Aussie Life Plan™. If you don't feel like the policy suits your needs, just cancel at any time during the first 30 days for a full refund. It's that easy.
Protect Your Family Today
The time to start building financial security for your family is now. To find out more simply request an information pack or call 1300 20 5433 today and help you secure your family's financial future.
At Aussie, we understand you
At Aussie, we understand how important your family is to you. That's why we have made it even easier to help you take care of your family's financial future.
- Trusted Australian Company - Aussie has been servicing the Australian financial services industry since the early 90’s. Today we offer mortgage broking, home loans, credit cards, personal loans and insurance.
- Valuable financial protection - Aussie is proud to recommend quality financial products to help you put yourself in a better place.
- More benefits for you - Aussie Life Plan™ offers additional benefits that make it easier for you to secure financial protection for your family.
- Affordable life insurance with a trusted, global insurer - Aussie Life Plan™ is designed to be affordable, accessible and easy to understand. The plan is underwritten by Hannover Life Re of Australasia, part of the Hannover Re Group which is one of the world's leading reinsurers. Their portfolio of life insurance business has been in force for over 40 years and consists of approximately $750 million dollars of annual premium as of December 2012.
To find out more about Aussie Life Plan™ simply request an information pack today.
Why is life insurance so important?
Life insurance can help provide a secure financial future for your family if you were to pass away. Life insurance pays a lump sum which can help your family manage expenses like the mortgage and school fees, every day bills and other unforeseen expenses, such as funeral costs.
What type of insurance is right for me?
There are lots of different types of life insurance policies, and they can sometimes be difficult to compare. It's important to remember that everyone's needs are different. For example, if you have kids or a partner who is financially dependent on you, you may consider pure life insurance. Then again, even if no-one depends on you financially, you may want accident insurance to help manage your finances if you were to suffer a serious accident. You should always consider the relevant Product Disclosure Statement to ensure the product suits your needs.
How can I save money on my insurance?
With some policies, the price you pay depends on your age, health and whether or not you smoke. While you can't change your age or your gender, if you permanently stop smoking, after 12 months of stopping, under an Aussie Life Plan™, you can be upgraded from "smoker" to "non-smoker" rates – this can mean significant savings on your premium.
You could also consider adding benefits such as accidental death and recovery benefits to your main policy. In some cases this can be much more cost effective and easier to manage than having multiple policies.
Get a life insurance quote to see how affordable Aussie Life Plan™ can be for you.
Am I covered if I am overseas?
Absolutely. Once your cover under Aussie Life Plan™ commences, provided you pay your premiums, you are covered 24/7, anywhere in the world. An exclusion may apply where you disclose that you have definite plans to visit certain dangerous locations within 12 months of commencing your policy.
Who can apply for Aussie Life PlanTM?
All Australians aged 18 – 64 can apply for Aussie Life Plan™. There are no medicals or blood tests to apply, and no forms to fill out either. Your life insurance application can be taken over the phone in just a few minutes. Simply call 1300 20 5433 today.
What is the Premium Rate Freeze?
Generally, life insurance premiums go up each year as you get older – but with Aussie Life Plan™, the rate at which your premium is calculated is frozen at the age you are when your policy starts, for the first three years, if you continuously hold your policy during that time.
This means that just because you get older, the rate at which your premium is calculated will not increase for those first three years. Plus, the Premium Rate Freeze™ will also apply to any optional benefits that you take out at the same time as your life insurance, and for any automatic sum insured increases you accept during that period.
Please note that the Premium Rate Freeze™ is not applicable if you apply for a higher benefit amount or if you add an optional benefit after your policy has commenced. Actual premiums payable are subject to increase each year by 5% to help keep your level of insurance in line with cost of living. This increase can be opted out of. Please refer to the Product Disclosure Statement for full terms and conditions.
Can I decide who receives the death benefit on my policy?
Yes - you can nominate up to 5 beneficiaries as part of your Aussie Life Plan™ policy, simply by downloading, completing and returning a beneficiary form.
What are the payment options?
You can pay your life insurance premiums either fortnightly or monthly. Plus you can have the deductions made from your nominated account on the day of your choice.
Can the insurer cancel my policy if I get sick?
No - your Aussie Life Plan™ policy can continue for life even if you become sick. So no matter what changes with your health or lifestyle, your policy can continue for as long as you choose, provided your premiums continue to be paid.
Who is the Insurer of Aussie Life PlanTM?
Aussie Life Plan™ is issued by Hannover Life Re of Australasia Ltd (Hannover), ABN 37 062 395 484 of Level 7, 70 Phillip Street, Sydney NSW 2000.
Hannover's portfolio of life insurance business has been in force for over 40 years and consists of approximately $750 million dollars of annual premium as of December 2012. The company is part of the Hannover Re Group which is one of the world's leading reinsurers. Its worldwide network consists of more than 100 subsidiaries, branch and representative offices in over 20 countries.
Claims
The loss of a family member or suffering a serious injury or illness is a hard time for anyone, that's why a benefit is paid for valid claims as soon as possible after your completed claim documents are received.
How to make a claim
If you or your nominated beneficiary (or, in the absence of a beneficiary, your legal personal representative on your death) want to make a claim, call 1300 73 7697 as soon as possible after the event giving rise to the claim. You will then be sent a Claims Booklet.
- Complete the Claims Booklet.
- Obtain:
- A certified copy of evidence of death (in relation to a death claim) or the evidence of the occurrence of another insured event
- A certified copy of evidence of the insured's age
- A certified copy of proof of your identity and your relationship to the insured (in relation to a death claim)
- The original Policy Schedule. If the Policy Schedule been misplaced, please complete a
Statutory Declaration.
- If you would like the benefit amount paid directly into a bank account, complete a Direct Credit Authority.
- Send the above documents as soon as possible to:
Claims Department
PO Box 6728
Baulkham Hills NSW 2153