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Life Protect Insurance

  • Suncorp has been helping to protect lives in Australia & New Zealand since 1833
  • Get a quote & buy online or over the phone
  • No medical tests needed to apply

Why Life Insurance?

You can help protect the life you’re building and your loved ones from financial hardship with Suncorp Life Protect insurance.  With a lump sum payment from $100,000 up to $1 million, if you die or become terminally ill, you could feel more relaxed knowing that your loved ones could be spared the financial strain of keeping the household running.

What's included in Suncorp Life Protect Insurance?

Suncorp Life Protect insurance covers your death by accident, illness and natural causes. Intentional self-inflicted acts, such as suicide, are also covered after having the policy for 13 months. Here’s how it works:

Payout is generally a tax-free* lump sum, with no restrictions on how it's spent

You select how much you need based on your individual circumstance. Consider your own circumstances and the level of cover you may need. We offer cover between $100,000 and $1 million. Unsure how much you might need? Try our interactive calculator for a guide on the amount that you may need. It is important to choose the right amount of life cover to help protect your family.

*These comments are a guide only and do not take into account changes in taxation laws or your particular circumstances. Please ask your tax adviser or the Australian Taxation Office about your own circumstances

$10,000 early payout for Funeral costs

Our Funeral Advancement Benefit usually pays out within 24 hours of receiving your death certificate and completed claim form, to help with the costs of your funeral or other immediate expenses.

You could receive your payout early if you're diagnosed with a terminal illness

If a registered doctor diagnoses you, we will advance your full payout. This could help you to arrange your financial affairs or make some lasting memories with your loved ones.

Approved claims generally paid out in 2 business days

Only ever deal with one dedicated claims manager. How to make a claim.

Nominate up to 5 beneficiaries

These are the people who will receive your payout.

Covered worldwide 24/7

Feel reassured that you're covered no matter where you are.

Covered until age 99, unless cover stops earlier

Unlike life insurance inside superannuation, Suncorp Life Protect may cover you for longer. Check the details of your current superannuation.

Flexibility to increase or decrease cover to keep up with life's changes

If you’ve had a baby, bought a house or made any other changes to your financial situation, you can change the level of cover you have on your policy. It’s easy - just call us 1800 177 549.

What's not covered?

Intentional self-inflicted act

Death as a result of an intentional self-inflicted act, such as suicide, within the first 13 months of your policy commencement is not covered by Suncorp Life Protect insurance.

How much does it cost?

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Your date of birth

 

Your gender

 

Do you smoke?

 

Unsure how much cover you need?

Too many Australians are underinsured. We've created a quick and easy tool to help you decide how much cover could be right for you.

Calculate how much you may need for Life Insurance

Want to know more?

This is just a summary, for full details of what is and isn't covered please refer to the Suncorp Life Protect Product Disclosure Statement (PDS) or see all other documents.

Why choose Suncorp?

Here when you need us most

Suncorp has been helping to protect lives in Australia and New Zealand since 1833.

We take an active role in protecting the community. See how.

Receive a 10% discount if an immediate family member holds a Suncorp Life Protect policy.

We'll help you pay your Suncorp personal insurance premiums for 12 months if you're unable to work due to sickness or injury for at least 90 days, so you can concentrate on your health (up to $2,000 over the life of the policy). Find out more.

We reward loyalty by refunding 10% of your total premiums paid, every 3 years if you have continuously held a policy for the previous 3 years.

If you're facing a period of financial difficulty we'll let you pause your premiums for up to 3 months. During the period that your premiums are paused, your Suncorp Life Protect policy will only cover you if you die as a result of an accident. Find out more.

Get a quote in 60 seconds

Or call 1800 178 438Mon-Fri, 8am-8pm EST

Other Life Insurance products

Life Protect Express


Guaranteed acceptance

If you have a pre-existing medical condition, you won't be eligible for our Life Protect insurance. Instead, you may be interested in Life Protect Express, which covers you for death in any circumstance other than caused by the pre-existing condition or any other policy exclusions. See page 10 of the Life Protect PDS. To apply, you simply need to answer the questions in the Life Protect application, after which you will automatically be offered Life Protect Express.

Accidental Death Plan


Cover for death by accident only

If you’re over 60, or after more affordable cover, Suncorp also offers an Accidental Death Plan. Unlike Life Protect insurance, this only covers you if you die as a result of an accident.

MyStyle Life Insurance


Income Protection and Life Insurance bundle

If you don't yet have Income Protection or Life Insurance you might like to consider getting both in the one convenient policy with MyStyle. MyStyle offers you greater choice, so you can configure your policy with the features that matter most to you.

Still unsure of the cover you might need?

Our helpful interactive life insurance calculator takes just a few minutes.  It can help you decide how much cover you might need that could best suit your situation

Get started

Need to talk?

Our friendly team of insurance specialists at our Australian based call centre can answer all your questions. Alternatively, if you feel your financial requirements are more complex and you require financial advice, you can turn to a Suncorp Financial Planner for help in assessing your risk and working out the cover that could meet your needs.

Phone

Monday to Friday 8am to 8pm AEST

Email

Send us an email and one of our Consultants will respond to your enquiry

Financial Planner

Arrange a no-obligation consultation

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.