Keep looking after those you love

Why ANZ Life Insurance?

You never know what tomorrow may bring, but with ANZ Life Insurance, you can continue to look after your loved ones even if you aren’t there. Mortgage, bills, and the cost of your children’s education don’t go away. But by being prepared, you can keep looking after those you love.

Additional features

Flexibility

Life insurance - girl on a trampoline

Create flexible protection to suit your needs

Contact us anytime to ask about changing your policy. You can:

  • Change how you pay and how often
  • With Future Insurability you can apply to increase your cover if you have a life event such as getting married or having a baby
  • Pause your premium and cover for a set time
  • Ask us to decrease your cover  

Add Critical Illness Cover

Life insurance - kids go-carting

Add optional cover for covered serious illnesses or injuries

You can choose to add Critical Illness Cover when you apply for your policy, so that if the unexpected happens and you are diagnosed with a covered serious illness or injury3, you will be able to focus on your recovery.

This Critical Illness Cover also includes partial payments for a further five covered medical conditions5.

Get cover quickly and easily

Online

Easily get a quote and apply online, it only takes a few minutes.

Grow by ANZ

Download the Grow by ANZ app, get a quote and apply with just a few taps6.

Call 1300 464 100

Call from 8am to 7pm AEST, Monday to Friday. Or request a call back and we’ll call you.

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Making a claim Show more

We know life insurance claims come at an extremely stressful time. So we’ve made our claims process as simple and straightforward as we can.

To get started:

  • Call 13 16 14
  • Write to ANZ Life Insurance, PO Box 4028 or level 5, 347 Kent St, Sydney
  • Send a fax to 02 9234 5015
  • Email DIclaims@onepath.com.au

You’ll have your policy details in easy reach if you use the Grow by ANZ app.

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Important information Show more

1. The amount of cover you can apply for depends on your age and gross annual income at the time you apply for cover. To determine whether to accept your application for cover, we may ask you some health, occupation and lifestyle questions. The number of questions we ask you may vary depending on the level of cover you select.

2. If a pre-existing medical condition exclusion applies, it will be referenced on your Policy Schedule. If it applies to you, a pre-existing medical condition is an injury, illness, condition or related symptom that, in the 5 years before the policy start date; 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.

3. Optional Critical Illness Cover is available when you apply for your ANZ Life Insurance policy at an extra cost, with the maximum cover amount available being half of the Life Cover amount selected. Full payment of the Critical Illness Cover is available for eight specified conditions such as cancer, heart attack & stroke, whilst some conditions such as carcinoma in situ, angioplasty & adult type 1 diabetes mellitus, result in a partial payment of the Critical Illness Cover. Some specified conditions such as cancer, stroke, heart attack, coronary artery by-pass surgery, carcinoma in situ, angioplasty, severe endometriosis and adult type 1 diabetes mellitus are subject to a 90 day qualifying period for the benefit to be payable. Refer to the PDS available online at anz.com/wealth or by calling 13 16 14.

4. You must be a Qantas Frequent Flyer member and correctly register valid membership details with OnePath Life Limited (OnePath Life) to start earning Qantas Points on eligible ANZ Insurance premiums you pay. Eligible ANZ Insurance Policies are the following ‘ANZ’ branded insurance policies: Term Life, Income Protection (including ANZ Income Protection), Trauma, Accidental Death and Total & Permanent Disability. A joining fee usually applies for the Qantas Frequent Flyer program, however, ANZ has arranged for this to be waived for new ANZ customers who join at qantas.com/anzlifejoin. This complimentary offer may be withdrawn at any time. Membership and the earning and redemption of Qantas Points are subject to the Qantas Frequent Flyer program terms and conditions available at qantas.com/terms. Points are only earned on eligible premiums you pay after OnePath Life has received your Qantas Frequent Flyer membership details. Points are earned in accordance with the ‘OnePath and Qantas Frequent Flyer Rewards Terms and Conditions’ available at onepath.com.au/qff-terms-conditions. Qantas does not endorse, is not responsible for and does not provide any advice, opinion or recommendation about the insurance product(s) in this communication.

5. Five medical conditions include:

  • Adult Type 1 diabetes mellitus*
  • Angioplasty*
  • Carcinoma in situ*
  • Severe endometriosis*
  • Burns to a limited extent

*A 90 day qualifying period applies

For full definitions of the above conditions, see the ‘Glossary of Important Terms’ section of the ANZ Life Insurance Product Disclosure Statement and Policy.

6. ANZ recommends that you read the Grow Terms and Conditions available at www.anz.com and consider if this service is appropriate to you before you make 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.