• Priority Protection Express

    A healthy lifestyle is your priority, protecting it is ours.

    /ipraxis/default.aspx
  • Priority Protection Express

    A healthy lifestyle is your priority, protecting it is ours.

    /ipraxis/default.aspx
  • Priority Protection Express

    A healthy lifestyle is your priority, protecting it is ours.

    /ipraxis/default.aspx
  • Priority Protection Express

    A healthy lifestyle is your priority, protecting it is ours.

    /ipraxis/default.aspx

Priority Protection Express Life Cover Plan

Considering life insurance for the first time? Or looking to top up your existing cover? The Priority Protection Express Life Cover Plan offers a simple, easy way to help ensure that your loved ones can continue living their lives with the financial support they need.

The benefit payment can be used for any purpose – to pay off your mortgage, provide for education expenses or to establish an investment fund to pay for your family's future living expenses. 

The application process is quick and easy with different cover levels available so that you can tailor your insurance cover to your needs. There are no medical tests, just a few simple questions, and cover starts as soon as your application is accepted.

So if you’ve got a few minutes now, let’s get started!


What’s the next step?

Click on the quote button and you can begin the application process. If you're happy to proceed you can apply for immediate cover.

If you're not sure how much cover you need, the insurance needs calculator can help you decide what cover level may be right for you and your situation.

 


Your cover includes:

  • a lump sum payment if you are diagnosed with a terminal illness, or if you die from a sickness or injury.

  • an advanced payment for funeral expenses.

  • the option to increase your Life Cover without having to update your health history via the Guaranteed Future Insurability benefit.

  • up to $3,000 towards professional financial advice to help plan for the future.

  • 24/7 protection anywhere, anytime.

For more details and explanations of these features please read the Product Disclosure Statement (PDS).
 

No lengthy medical tests!

To qualify for fast, easy cover you must be:

  • an Australian citizen or permanent resident living in Australia when you apply for cover and receive a copy of the Priority Protection Express PDS;

  • between the ages of 17 and 60; 

  • eligibly employed at the time of application.

 
For more details about age and employment eligibility please read the Product Disclosure Statement.
 

If you have a few minutes to answer some simple health and lifestyle questions we can provide you with a quick quote now!

Key Features


Our Life Cover offers a range of benefits. Here’s a quick summary of the key policy features of the plan.


Benefit Amount Eligibility
Death benefit Maximum of $1,000,000 cover, up to the age of 50* If you die your full Death benefit will be paid.

Maximum of $750,000 cover, between the ages of 51 & 60* 

* This refers to your age at your next birthday at the time you are applying.
Terminal Illness benefit Equal to your Death benefit amount. If you are diagnosed with a terminal illness your full Death benefit will be paid.
Guaranteed Future Insurability benefit   If you experience a listed ‘personal’ or ‘business’ event before the age of 55, you can increase your Life Cover sum insured, without further evidence of your medical and health history.
Final Expenses benefit
10% of your Death benefit sum insured up to a maximum of $25,000.  Your beneficiaries will receive an advance payment on your Death benefit to help cover your final expenses and funeral costs.
Family Final Expenses benefit 10% of your Death benefit sum insured up to a maximum of $20,000, and a total benefit amount of $200,000. You will receive a payment if your child dies or is diagnosed with a terminal illness.
Financial Planning Reimbursement benefit Up to $3,000 in addition to the sum insured.
Your beneficiaries will receive a reimbursement for professional financial advice fees to assist them with managing the funds for the future.
Benefit Indexation Your benefit amount will increase each policy year by the higher of the Consumer Price Index increase and 5%. Each year your cover will be increased in line with inflation.
Cooling-off period
 
Full refund if you have a change of heart and decide the policy is not right for you within the 28 day cooling off period.
Worldwide cover   Protection anywhere, anytime, with our worldwide cover, 24hrs a day, 7 days a week.

For more details and explanations of these features please read the Priority Protection Express Product Disclosure Statement (PDS).


Expiry age

The expires at the policy anniversary immediately prior to the life insured's 100th birthday.

 

Your cover ends 
 
As long as you pay your premiums when they fall due, your cover will continue. However there are some circumstances where your cover may end as follows :-

• your death;
• expiry date of the plan;
• cancellation of the plan;
• lapse of the plan (non-payment of premiums); or
• payment of the full sum insured under the plan. 

 

What's not covered 

It’s important for you to understand what you are not covered for under the Life Cover Plan. Details of policy exclusions are listed below:-

Death benefit exclusion:
•  Death from suicide in the first 13 months following policy commencement

Family Final Expenses benefit exclusions: 
• An event caused by a congenial condition until the 10th birthday of the insured child 
• An event intentionally caused by the insured child’s parent, guardian or relative or someone who lives with or supervises the insured child 
• Any event or reason within three months of the benefit being activated 
 An intentional act of the policy owner


For more details and explanations of these features please read the Priority Protection Express Product Disclosure Statement (PDS).