Accidental Death Insurance

Why Accidental Death Insurance?

Some accidents can be fatal. While you can’t protect yourself from this, our Accidental Death Insurance can help protect your family financially if it happened to you. It is designed to:

  • Help give your family financial security with a lump sum benefit of up to $1 million if you die as a result of an accident 
  • Cover you 24/7 worldwide

Most importantly, we make the claims process as easy as possible for your family when it matters the most. Our promise to you - we put your family first. 

Find out more about our Claims Promise >

How will it help me?

Prepare your family for the unexpected by helping ensure they are not financially burdened if you died. Money paid out can be spent on anything. Here’s how the money could be used:

  • Pay for the funeral
  • Pay down the mortgage and other debts to a manageable level
  • Hire a nanny to look after children before and after school so your family can continue working

Is it for me?

Some people can’t get full Life Cover because of a pre-existing condition. Or, some simply just want to top up existing Life Cover. Because this only covers accidents, we don’t need to ask you any health questions so you can get cover regardless.

If you’re someone who has financial responsibilities, and have previously been turned down for full life insurance this cover may be right for you. 

Looking for more cover? We’ve got other types of cover that might be more suitable for your needs. 

Compare DIY life insurance options >

Apply online >

What's covered?

Accidental Death Insurance pays out to your family if you die because of an accident. It also includes built-in features that give you more at no extra cost:

  • Advance payout of $15,000 which could be used to cover funeral costs while we assess the full claim
  • The option to put your cover on hold for up to 12 months
  • We automatically increase your benefit amount each year by a minimum of 5% to ensure the value of your cover is maintained (your premium will also increase with this)
  • Discounts for larger benefit amounts
Combined Product Disclosure Statement

Get into the detail to find out how our DIY Life Insurance products work, and what they do and don't cover.

What's not covered?

There are some situations where you’re not covered and we won’t pay a claim. This includes suicide; if you die doing something illegal; or you die in a war or act of war. For more information about what is not covered, please refer to the PDS.