An affordable safeguard for your income - at around $2 a day1

Additional features

Competitive pricing and immediate cover.

Income protection -kids jumping on a bed

Get cover in under 10 minutes.

It only takes minutes to apply online or by phone, and you’ll be covered straight away by one of Australia’s best-priced income protection plans.

Fast applications, with no medical required5.

5 View conditions

Keep all your insurance in one place.

Grow makes it easy to protect what matters most.

Grow by ANZ allows you to link and view policies you have with ANZ and other insurers in one place.

  • Keep all your cover within easy reach, 24/7 on your iPad or iPhone​
  • Get quick quotes and apply digitally, without any paperwork​
  • Work out how much life cover you may need with a simple calculator
Find out more

How to apply or find out more


It only takes a few minutes to get started. Get a quote or apply online today.

Grow by ANZ

Download the app and apply with just a few taps.

Call 1300 269 901

Talk to a specialist in our call centre: 8am–7pm (Sydney time), Monday to Friday.

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With everything you need to know to start protecting your lifestyle.

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Making a claim Show more

We understand that if you need to make a claim, it may come at a difficult time. So we make the process as easy and straightforward as we can.

Here’s how to claim:
Contact us on 13 16 14 and advise us of the claim details. For your convenience, we’re open 8am-6pm (Sydney time), Monday to Friday, or download and complete all of the forms below:

Income Protection Claim Form (PDF, 276KB) (Completed by yourself)
Initial Treating Doctors Statement (PDF, 128kb) (Completed by your treating Doctor)
Privacy Declaration and Authority Form (PDF, 86kb) (Completed by your treating Doctor)

Note: any costs incurred for consultation with your treating doctor is at your expense.

Before returning or submitting your claim form, please ensure you’ve got all necessary supporting information including:  
• A certified copy of an identification document (Passport or Drivers Licence)
• Your last two tax returns (Including the Notice of Assessment. If you are self-employed, we will also require the Profit and Loss statements submitted with the tax returns).
Once the claim forms are completed by yourself and your treating doctor, send them to:
OnePath Direct Insurance Claims
GPO Box 4028
Sydney 2000

As a handy tip, you can use Grow by ANZ to keep your policy details within easy reach for when you need them.​

After receiving the claim, we will advise if any additional information is required.

Not sure? Find out more about insurance Show more

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Important information Show more

1    Based on a 40 year old male non-smoker who is a real estate agent (standard risk occupation) and earns a gross annual income of $84,000 with an Income Benefit of $5,250 per month, a 2 year Benefit Period and a 30 day Waiting Period for a monthly premium of $60.65. Premium may vary depending on individual circumstances. The premium of $2 a day for this example does not include cover for the optional Total and Permanent Disability (TPD) Benefit.

2    The monthly amount payable for a valid claim may be less than the Income Benefit selected at the time of application, depending on your ‘pre-claim earnings’ and ‘other payments’. The maximum monthly benefit available depends on your occupation category at time of application, and is up to $10,000 for a standard risk occupation, and up to $3,000 for a special risk occupation. When you apply, we will class your occupation as standard risk or special risk. If you are classed by us as having a special risk occupation, your Income Benefit is not payable for a disability caused by the occupational duties you perform.

3    The Income Benefit may be considered as income replacement. Therefore the premiums for the Income Benefit may be tax deductible, and Income Benefit payments may be assessable as income. The information in this document is a guide only and does not represent tax advice. You should seek professional advice specific to your individual circumstances.

4    You must be a Qantas Frequent Flyer member and correctly register your Qantas Frequent Flyer membership details with OnePath Life Limited (OnePath Life) to start earning Qantas Points on eligible premiums you pay. Points are only earned on premiums you pay after OnePath Life has received your Qantas Frequent Flyer membership details. Points are earned in accordance with and are subject to the OnePath Life and Qantas Frequent Flyer Rewards Terms and Conditions (PDF 128kB). Membership and points are subject to Qantas Frequent Flyer program terms and conditions. Qantas does not endorse, is not responsible for and does not provide any advice, opinion or recommendation about these life insurance products or the information provided in this communication. Complimentary Qantas Frequent Flyer membership join fee waiver offered by OnePath Life. This complimentary offer may be withdrawn at any time.

5    Claims arising directly or indirectly from a pre-existing medical condition occurring in the two years before the policy acceptance date are not covered. A pre-existing medical condition is an injury, illness, condition or related symptom: that you (or a reasonable person in your position) were aware of, or should have been aware of; or for which you had, or were intending to have, a medical consultation; or  for which a reasonable person in your circumstances would have had a medical consultation. See the ANZ Income Protection Product Disclosure Statement and Policy for more information.

6    Not available for people working in high risk or special risk occupations.


ANZ recommends that you read the Grow Terms and Conditions available at and consider if this service is appropriate to you prior to making a decision to acquire or use Grow by ANZ. Share investments, Insurance and Super within Grow are not provided by ANZ but by entities which are not banks. ANZ does not guarantee these entities.​

ANZ does not represent or guarantee that access to Grow by ANZ will be uninterrupted. Temporary service disruptions may occur. Grow by ANZ is a trademark of ANZ.​

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Grow by ANZ is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522.​