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ANZ Life Insurance
Your life insurance is really about them
Help secure your family's financial future today with ANZ Life Insurance
Find out moreLife doesn't stop
even if your income does
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Insurance solutions
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Home & Contents Insurance
Insure your home…
- Ideal for homeowners
- Full building replacement1
- New for old contents replacement2
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Contents Insurance
Insure your belongings only…
- Ideal for renters or apartment owners
- New for old replacement2
- Cover at home and optional cover away3
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Landlord Insurance
Insure your investment property...
- Choice of cover for buildings, contents or both
- Protection for your rental income included
- Damage and theft by tenants included4
It only takes a few minutes to get a quote
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Car Insurance
Insure your car and get back on the road fast…
- New car replacement if your car is less than two years’ old5
- Windscreen protection at no extra cost6
- Hire car for theft and not at fault accidents7
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More inclusions as standard
We give you higher benefits, and more inclusions, helping you when you need it most.
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Cover you can count on
We’ve been insuring Australians for more than 30 years — so you can count on us to be there for you.
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Everything in one place
Enjoy the convenience of having your banking, insurance, investments and super all in one place.
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Income Protection
Protect against a loss of income.
- A regular monthly Income Benefit payable for up to either 1, 2 or 5 years (depending on the Benefit Period you select) if you can’t work due to illness or injury8
- Apply for an Income Cover amount of up to 75% of your gross monthly income, up to a maximum of $10,000 per month (or $3,000 per month if your occupation is special risk)9
- Apply up to age 59
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More inclusions as standard
We give you higher benefits, and more inclusions, helping you when you need it most.
-
Cover you can count on
We’ve been insuring Australians for more than 30 years — so you can count on us to be there for you.
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Everything in one place
Enjoy the convenience of having your banking, insurance, investments and super all in one place.
Close
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Life Insurance
If you want to protect your family’s financial future…
- A lump sum payment of your Life Cover (apply for up to $2m) paid on your death or terminal illness10
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Recover Well
If a serious illness would make it hard to get by…
- A lump sum payment of your Critical Illness Cover (apply for up to $1m) for 8 covered serious illnesses or injuries11
- A partial payment of your Critical Illness Cover for a further five covered illnesses or injuries12
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Funeral Insurance
If you want to help cover the expenses you leave behind…
- A lump sum payment up to $15,00013
- Paid on death, with an extra payout for accidental death14
- Apply from age 50 to 70
It only takes a few minutes to get a quote
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Travel Insurance
Insure your travels…
- Unlimited medical expenses, cancellations,
and emergency accommodation - Missed flight connections13
- Damaged, lost or stolen luggage13
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More inclusions as standard
We give you higher benefits, and more inclusions, helping you when you need it most.
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Cover you can count on
We’ve been insuring Australians for more than 30 years — so you can count on us to be there for you.
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Everything in one place
Enjoy the convenience of having your banking, insurance, investments and super all in one place.
Close
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ANZ Credit Card Insurance
If you have an ANZ credit card…
Help to cover repayments on your credit card if life takes an unexpected turn.
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ANZ Loan Protection
If you have an ANZ personal loan…
Help to cover your loan repayments, in case you can’t work.
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ANZ Mortgage Protection
If you have an ANZ home loan...
Protection to help you keep your home, even if times get tough.
Find out more
Talk to a specialist in our Australian call centre: 8am–8pm AEST, Monday to Friday. Call 13 16 14
Important Information Show more
Home Insurance/Contents Insurance
1. If your home is totally destroyed in an insurable event and we accept your claim.
2. An item may be repaired or replaced, or the cost of repair or replacement may be paid to you.
3. Up to 120 consecutive days of cover away from home. Outside of Australia and New Zealand cover is limited to the lessor of 25% of sum insured or $15,000.
4. Theft by tenant is only covered if a valid tenancy agreement is in force at the time of the theft. Please refer to the PDS for the types of damage by tenant which is covered by the policy.
Car Insurance
5. Provided the car has not travelled more than 30,000km.
6. Only under comprehensive cover.
7. Excluding third party property cover.
Income Protection
8. Income Cover 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 consultations. The Benefit Period for Involuntary Unemployment Cover and Family Care Cover is 3 months. See the ANZ Income Protection Product Disclosure Statement and Policy, 21 May 2016, for more information.
9. The monthly Income Cover amount payable for a valid claim may be less than the Income Cover 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 75% of your monthly income up to $10,000 per month for a standard risk occupation, and 75% of your monthly income up to $3,000 per month 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 Cover is not payable for a disability caused by the occupational duties you perform.
Life Insurance
10. The amount of Life Cover you can apply for depends on your age and gross annual income and answers to a number of health, occupation and lifestyle questions 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.
Recover Well
11. The amount of Critical Illness Cover you can apply for depends on your age and gross annual income and answers to a number of health, occupation and lifestyle questions 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.
12. The 5 covered medical conditions or injuries include:
- Adult type 1 diabetes mellitus*
- Angioplasty*
- Carcinoma in situ*
- Severe endometriosis*
- Burns to a limited extent
*A 90 day qualifying period applies
Funeral Insurance
13. Life benefit not paid within first 12 months except for Accidental death.
14. Accidental death is defined in the “what are the benefits and when are they paid” section of the PDS.
ANZ Home Insurance, ANZ Car Insurance, ANZ Landlord Insurance and ANZ Travel Insurance are issued by QBE Insurance (Australia) Limited (ABN 78 003 191 035, AFSL 239545) (QBE). ANZ Loan Protection and ANZ Mortgage Protection are jointly issued by OnePath Life Limited (ABN 33 009 657 176) (OnePath Life) and QBE. ANZ Credit Card Insurance is jointly issued by OnePath Life and OnePath General Insurance Pty Limited (ABN 56 072 892 365, AFSL 288160) (OnePath General). ANZ Income Protection is jointly issued by OnePath Life and OnePath General. ANZ Life Insurance, ANZ Recover Well, ANZ 50+ Life Cover are issued by OnePath Life.
This information is of a general nature and has been prepared without taking account of you objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. ANZ recommends that you read the Product Disclosure Statement and Policy (also available by calling 13 16 14) before deciding whether to acquire, or to continue to hold, these products.
ANZ is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). The issuers of the products are not Banks. Except as set out in the PDS, these products are not a deposit or other liability of ANZ or its related group companies. None of them stands behind or guarantees the issuers or the products.
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 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.