Will I pay less in premiums if I answer the Health and Lifestyle section?

No. We calculate your premiums before you answer our health and lifestyle questions, so they will not decrease after completing the Health and Lifestyle section. However, those calculations are based on “standard lives”. If your health and lifestyle answers put you outside the standard lives category, we may apply exclusions or loadings to your premium, or we may decide that we are unable to offer you cover under the policy you applied for. Your premium is also based on age, gender and smoking status.

Why have I been declined for Suncorp Life Insurance?

If the answers you provide during our life insurance application process put you outside our “standard lives” category, we may not be able to offer you cover. During our life insurance application process, we ask certain questions to allow us to determine your health and lifestyle risks. If those questions put you outside our “standard lives” category, we may not be able to offer you cover. For more information about Life Insurance cover, please refer to the PDS .

What’s covered with a Life Insurance policy?

Some causes of death may be excluded from your individual policy depending on your occupation, health and lifestyle or other special circumstances. These exclusions will be agreed with you before your policy is issued and will be clearly documented on your policy schedule. Please refer to the PDS for full details of exclusions and limitations.

How does Optional Illness Cover work?

Later, your family or beneficiaries may be paid your remaining Life Protect Plus benefit in the event of your passing. For more information about Optional Illness Cover, please refer to the PDS.

Who will receive the benefit payout from my policy when I die?

All you need to do is tell Suncorp Life who you would like to benefit from your Life Insurance policy, and Suncorp Life can arrange it. You can nominate up to five beneficiaries online or ten beneficiaries through the Suncorp Life call centre, who will receive the proceeds of your lump sum payout in the event of your death. This could be your partner, kids, other family members, friends, a charity, or someone else. If you have any questions about this, please contact the Suncorp Life team. To avoid any delays, it’s important that the Nominated Beneficiaries Form is completed, so please don’t hesitate to speak to a Suncorp Life consultant to assist you in this process. For full details, please refer to the relevant PDS.

How do my beneficiaries make a claim?

When your beneficiaries need to make a claim, they just need to call us on 1800 604 689 . We will then discuss some of the details of the claim and send out a claim pack. We know that dealing with death is never easy. To avoid unnecessary stress, we ensure our claims process is as simple as possible. When your beneficiaries need to make a claim, they just need to call us on 1800 604 689 . We will then discuss some of the details of the claim and send out a claim pack.

Is it possible to cancel my policy if I change my mind?

Our 30-day cooling off period allows you to cancel within 30 days of us confirming the purchase of your policy. Unless you have made a claim within that time, we will refund any premiums you have paid to us, and the policy will be cancelled. For more information, please refer to the PDS .

How do I cancel my Suncorp Life Insurance policy?

Find out how Suncorp can help by contacting us. At Suncorp we believe in the importance of helping to provide you and your family with financial reassurance and security when you need it most. If the decision to cancel your cover is the result of a change in your lifestyle or financial situation, it's worth knowing we're looking out for you. Our friendly staff are on hand to discuss the options with you, so give us a call on 13 11 55 .

Suncorp Life Protect FAQs

If you hold another Suncorp Insurance policy, such as car insurance, we’ll apply a 5% discount on your Suncorp Life Insurance premium for the life of the policy.

In addition, if you add another adult to your policy, the youngest person will receive a 5% discount.

No. We calculate your premiums before you answer our health and lifestyle questions, so they will not decrease after completing the Health and Lifestyle section.

If the answers you provide during our life insurance application process put you outside our “standard lives” category, we may not be able to offer you cover.

Suncorp Life Insurance covers you for death and the diagnosis of terminal illnesses with a life expectancy of less than 12 months. This does not include suicide or intentional self-injury in the first 13 months of the cover commencement date for Comprehensive Life Cover.

If eligible, you can select up to $250,000 in Optional Illness Cover. This is a lump sum payment drawn from your main Life Insurance benefit, to assist with medical and out-of-pocket expenses while you’re recovering from certain sicknesses or injuries. You must be 18 to 55 years of age to apply for Optional Illness Cover.

You can choose who you would like to benefit from your life insurance policy after you pass away.

Unfortunately, premium rates are not guaranteed and the cost of providing Life Insurance does increase as you get older. This means your premiums generally increase over time.

When your beneficiaries need to make a claim, they just need to call us on 1800 604 689. We will then discuss some of the details of the claim and send out a claim pack.

Our 30-day cooling off period allows you to cancel within 30 days of us confirming the purchase of your policy.

Find out how Suncorp can help by contacting us.

Yes, but you must be aged between 18 and 60 (inclusive), an Australian and New Zealand Citizen and permanent resident, and residing in Australia at the time of applying for the insurance policy.

The Life Insurance Code of Practice is a series of mandatory customer service standards that all life insurers need to comply with. These standards cover sales and marketing practices, underwriting and claims and are designed to protect you.

Suncorp Life Insurance policies are issued by TAL, who played a key role in creating the Life Insurance Code of Practice. Suncorp Life is committed to delivering the best possible customer service standards. Suncorp Life will continue to look for ways to raise the standards of customer service now and over the years to come. Read more.

If you’re an existing Suncorp Insurance customer with Income Protection or Life Protect Insurance, please call 13 11 55 for information on how COVID-19 may affect your cover.

Receiving a COVID-19 vaccination approved for use by the Therapeutic Goods Administration (TGA) in Australia will not affect the cover under your existing insurance policy. Suncorp Life, Income Protection and Funeral Insurance policies do not include exclusions or limitations related to COVID-19 including vaccine related side-effects. If you were to experience sickness or injury after receiving the COVID-19 vaccination, a claim can still be lodged for a benefit under your policy and your claim will be assessed and is subject to the terms and conditions of your policy.

Suncorp Income Protection policies provide a benefit if you suffer an illness or injury and you are unable to work, in line with policy terms and conditions. Therefore, if your employer mandates that you are required to be vaccinated for COVID-19 and you are restricted from working as a result of choosing not to be vaccinated, you will not be entitled to make a claim against your policy for being unable to work if you are not suffering an illness or injury that is preventing you from working in your usual occupation or performing your usual daily activities.

Frequently asked questions about Life Protect Insurance

COVID-19 Life Insurance