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.

Get cover quickly and easily


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

ANZ app

Get the app and apply with just a few taps.

Call 13 16 14

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

Learn about life insurance

The benefits of life insurance

Understand the benefits of life insurance and read what happened to Cathy and her family when her husband died and his life cover wasn't enough.

Life insurance FAQs

People can feel uncertain about life insurance, so here we aim to clearly address the concerns raised most often.

Types of life insurance

‘Life insurance’ is often used as a broad term to describe quite different forms of insurance relating to life events, such as getting sick or passing away.

Can you get by without it?

Should you have it? Do you need it? Is it worth it? What's the difference between policies? And if you claim, is it paid? James Mathison looks for answers.

You may also be interested in...

Not sure? Learn more about insurance Show more

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 ANZ app.

Downloads Show more

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

3. 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.

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. You can apply to change how you pay your premiums and how often you pay them. With Future Insurability you can apply to increase your cover if you have a life event such as getting married or having a baby. You can pause your premium and cover for a set-time and you can ask to decrease your cover.

The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super, Shares and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ does not represent or guarantee that access to the ANZ App will be uninterrupted. Temporary service disruptions may occur. ANZ recommends that you read the ANZ App Terms and Conditions available at www.anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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.

Want to know more?