Frequently asked questions about Life Protect Insurance

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.

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.

Read more COVID-19 Information for Suncorp Life customers.

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. This includes doctors, nurses, health professionals, police and people working in quarantine hotels and services.

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.