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Life Insurance

  • Life insurance cover for up to $1.5 million
  • Easily change your cover amount as your life changes
  • Simple application process with no medical exams required

Enjoy savings at a range of popular retailers with Suncorp Benefits

What is life insurance and why do you need it?

Life insurance helps provide a financial safety net for your loved ones, in case you pass away or become terminally ill. You pay regular premiums, and your beneficiaries receive a lump sum payment. With Suncorp Life Insurance, you can choose cover for up to
$1.5 million. There are also Optional Illness Cover options, to help further protect you and your family from temporary setbacks due to defined critical illness of specified severity such as Cancer, Stroke or Heart Attack.

If you’re not sure how much cover you’ll need, give the handy Life Insurance calculator a go. You should also consider reading the Product Disclosure Statement before buying insurance.

Life insurance icon adult and child in green circle

Suncorp Life Insurance at a glance

What are the benefits?

Comprehensive cover up to a maximum of $1.5 million

You can also get up to $250,000 for Optional Illness Cover. Not sure how much cover you need? Use our handy calculator.

Flexibility to update your cover as your life changes

You can tailor and adjust your level of cover by up to $100,000 following a significant life-changing event, such as having a baby or taking out a mortgage without providing us new information about your health or pastimes1

Payout is generally tax-free*

There are no spending restrictions once you or your family have received the claim payment.

Advance payout of up to $10,000 (upon death)

This can help your family with any immediate costs, such as any legal fees involved with settling the estate.

You could receive your payout early

If you’re diagnosed with a terminal illness, we can advance your full payout.

Save with discounts

Get 5% off the premium on life cover for the youngest life insured if you take out a multi-life policy, get 12 months for the price of 11 if you pay annually, and receive a 5% discount if you’re a current customer with a Suncorp branded insurance policy.

What’s not covered?

Intentional self-inflicted acts

A Suncorp Life Protect Plus benefit is not payable in the event of intentional self-injury or suicide within 13 months of the cover commencement date.

If you’re in a country with a travel warning

No payments will be made under Suncorp Life Protect Plus if the event giving rise to the claim occurs while you are visiting a country for which the Australian Department of Foreign Affairs and Trade (DFAT) has isssues a ‘Do Not Travel’ warning advice that is in force during the time of your stay in that country.

Claims outside special terms

If Suncorp Life have agreed to a special term for cover that specifically excludes certain events or conditions, you won’t be covered if these contribute directly or indirectly to the claim. Any special terms will be agreed with you before your policy is issued.

Optional benefits

Major Illness Cover

Help protect  you and your family from temporary setbacks due to defined cirtical illness of specified severity such as Cancer, Stroke or Heart Attack, with a benefit payment of up to $250,000.

Cancer Cover

Help protect you and your family from temporary setbacks due to life-threatening cancer as specificed and defined in the PDS, with a benefit payment of up to $250,000.

Get a quote in minutes

Or call 1800 178 438

Mon-Fri 8am-6pm AEST

Want to know more?

For full details of what is and isn’t covered, please refer to the PDS.

When should you consider Suncorp Life Insurance?

All Australian citizens and residents aged 18-65 can apply for Suncorp Life Insurance. Suncorp Life Insurance offers flexible levels of cover to reflect the different stages of your life — from having a baby to buying a house to retiring.

Is life insurance through super enough?

Default life insurance through superannuation may not always meet the full needs of Aussie families. With a surprising amount of the population being underinsured, you may want to check to see how your super’s life insurance compares to taking out a policy through an insurer.

Brush up on the basics with these two short videos.

Why so many Australians choose Suncorp Life Insurance

Trusted by thousands of Australians who turn to Suncorp for their personal insurance needs.

Suncorp Life Insurance rewards you with ways to save, like 5% off your policy if you hold other Suncorp branded insurance policies such as home or car insurance. 

Enjoy great deals and savings at over 100 retailers with Suncorp Benefits

Enjoy Suncorp Benefits with your policy

Save up to 15% with great deals at major retailers.

Everyday discounts
Save on health and wellbeing brands, as well as groceries, fashion and more

Savings on the big stuff
Get great deals on travel, furniture, electronics and more

Access to rewards
Simply pick your reward on your phone and use it instantly

Frequently Asked Questions

Looking for something else?
We also offer other types of insurance:

 Income Protection

 Funeral Insurance

 Home Insurance

 Car Insurance

We’re here to help

The friendly Suncorp Life team are Australian-based and here for you. If your needs and personal circumstances are more complex and you need financial advice, please talk to your Financial Planner.

Call us

Quotes, sales and customer service:
Mon-Fri 8am-6pm AEST

Claims:
Mon-Fri 8am-5:30pm AEST

Request a call back

A Suncorp Life team consultant will get back to you

Apply online

Get a quote and apply online in minutes

How much cover do you need?

The amount of cover you may need will depend on the needs and lifestyle of your family, such as your current financial commitments e.g mortgage, your family's anticipated future needs e.g kids education, your super and any other investments.

Comprehensive cover up to a maximum of $1.5 million

You can also get up to $250,000 for Optional Illness Cover. Not sure how much cover you need? Use our handy calculator.

Flexibility to update your cover as your life changes

You can tailor and adjust your level of cover by up to $100,000 following a significant life-changing event, such as having a baby or taking out a mortgage without providing us new information about your health or pastimes1

Payout is generally tax-free*

There are no spending restrictions once you or your family have received the claim payment.

Advance payout of up to $10,000 (upon death)

This can help your family with any immediate costs, such as any legal fees involved with settling the estate.

You could receive your payout early

If you’re diagnosed with a terminal illness, we can advance your full payout.

Save with discounts

Get 5% off the premium on life cover for the youngest life insured if you take out a multi-life policy, get 12 months for the price of 11 if you pay annually, and receive a 5% discount if you’re a current customer with a Suncorp branded insurance policy.

Intentional self-inflicted acts

A Suncorp Life Protect Plus benefit is not payable in the event of intentional self-injury or suicide within 13 months of the cover commencement date.

If you’re in a country with a travel warning

No payments will be made under Suncorp Life Protect Plus if the event giving rise to the claim occurs while you are visiting a country for which the Australian Department of Foreign Affairs and Trade (DFAT) has isssues a ‘Do Not Travel’ warning advice that is in force during the time of your stay in that country.

Claims outside special terms

If Suncorp Life have agreed to a special term for cover that specifically excludes certain events or conditions, you won’t be covered if these contribute directly or indirectly to the claim. Any special terms will be agreed with you before your policy is issued.