Life Insurance

Qantas Assure Life Protect

Life Insurance

Qantas Assure Life Protect

Food on the table. Schooling for the kids. Keeping the family home. Life Insurance is the financial protection that helps ensure your loved ones will still enjoy the life you’ve worked hard to create should you pass away or, if you select Illness Cover and suffer a terminal illness. In short, it protects them when you can’t.

The Qantas Assure difference

Not all insurances are the same. When you join Qantas Assure Life Protect you can earn Qantas Points and put them towards flights, upgrades and more. Plus you’ll get a 10% discount off your premium for life if your BMI is in the healthy range of 18.5 to 25.

Earn up to 50,000 Qantas Points when you join 1
Min. premium applies
Earn 1 Qantas Point per $1 spent on your premium 2
10% off your Life Insurance premium for a healthy BMI 3

Why Qantas Assure Life Insurance?

  • Up to $25,000 early payment for funeral expenses
  • A lump sum payment if you pass away
  • Available if you are aged 18 to 74
  • Up to $1.5 million payment
  • No medical tests
  • Dedicated Claims Manager to help with claims

Earning Qantas Points

Life Protect is another way to earn Qantas Points. You could earn from 5,000 points to up to 50,000 points on premiums from $40 to $160+ per month when you join and hold a policy for at least five months.

Learn more

Consider one or more of the following Covers

Life insurance cover - Accident Cover

Accident Cover

Accidents happen – and, sadly, may result in death. Accident Cover protects loved ones in case of your Accidental Death, such as from a car accident or by accidental drowning.

Life insurance cover - Adventure Sports Cover

Adventure Sports Cover

This cover works in tandem with Accident Cover, and extends your protection to include more extreme sports such as hang-gliding or scuba diving. Note: only available in conjunction with Accident Cover.

Life insurance cover - Illness Cover

Illness Cover

This helps financially protect your loved ones if you pass away from an illness such as cancer or heart disease – and also if you’re diagnosed with a Terminal Illness with a life expectancy of less than 12 months.

Not sure what insurance you need?

Why Qantas Assure?

Today, Qantas Frequent Flyer members can feel confident that they’ll be looked after from the moment they take out an insurance policy, right through to when they claim.

Qantas Assure Life Protect is piloted by Qantas and backed by TAL, insurance underwriters for over 140 years. In 2016, TAL paid out over $1.3 billion in claims, the equivalent of $26 million a week, so you can see why they are our chosen partner.

Why Qantas Assure?

Today, Qantas Frequent Flyer members can feel confident that they’ll be looked after from the moment they take out an insurance policy, right through to when they claim.

Qantas Assure Life Protect is piloted by Qantas and backed by TAL, insurance underwriters for over 140 years. In 2016, TAL paid out over $1.3 billion in claims, the equivalent of $26 million a week, so you can see why they are our chosen partner.

  • Options available
    • Standalone vs Bundled Insurance

      When you select more than one insurance, you can choose to have them Standalone or Bundled. Standalone – means you can keep all your insurances independent – purchase just one, two, three or all four insurances independently and receive the full Benefit Amount on acceptance of each claim. You will pay more for Standalone, but the advantage is that if you make a claim, the Benefit Amount of your remaining insurances will not be reduced, unlike Bundled insurance. Bundled – you can bundle TPD or Trauma Insurance with Life Insurance Cover. If you bundle covers, the payout of one Cover will reduce the Benefit Amount of the covers within the Bundle by a corresponding amount (Bundled Cover can only be set up over the phone).

      For more information please see the 'Choosing between Standalone and Bundled Insurance' section of the PDS

    • Premium Relief

      If you add this option, you won’t need to pay your Life Insurance premiums if you are unable to work for at least three consecutive months due to illness or accident. (This can only be set up over the phone).

      For more information please see the PDS

  • How to make a claim
    • How to make a claim

      To make a claim, get in touch with our Claims Team. Every claim is different so we assign you a dedicated Claims Manager to find out what you need, to make it as easy as possible for you.

    • Payments to your beneficiaries

      You can choose who will receive your Life Insurance payment if you pass away. These people are called your beneficiaries, and they will receive a lump sum payment. You can change who your beneficiaries are at any time.

      For more information please see the PDS

  • General Information
    • The cost

      The cost of your Life Insurance cover will depend on a range of factors, including your age and gender, health, the cover options you choose, how long you’ve had insurance with us and whether you are a smoker.

      Minimum and Maximum Cover

      You can apply for between $100,000 and $1.5 million worth of cover. Some limits may apply depending on your income and age.

      What you’re not covered for

      Qantas Assure Life Protect gives you options to build a comprehensive insurance plan, but there are some events we can’t cover. For example, if something happens to you while you’re travelling in a dangerous country, or if your death is due to suicide in the first 13 months.

      Premium changes

      Once your Cover is in place, your policy can’t be singled out for an increase in premium rates because of a change in your health or circumstances. However we are able to change the premium rates for all customers if conditions change or we receive more claims than expected.

    • Eligibility

      The eligible age range is from 18 to 74 years old. Australian citizens, permanent Australian residents, or New Zealand citizens residing permanently in Australia are eligible to apply.

      Cover Start and End Dates

      We will notify you when your cover is active, and you will stay covered until the policy anniversary following your 99th birthday. This is provided you pay your premiums when they’re due, and you have complied with the Duty of Disclosure.

      Applying for cover

      When you apply for Qantas Assure Life Protect, you will be asked a number of health and lifestyle questions. These questions relate to your Duty of Disclosure, and your answers may mean that you have increased risk factors under the Policy. If any special conditions apply we will discuss these with you.

      For more information please see the PDS

  • Death Benefit

    If you pass away, your loved ones will receive a lump sum payment to help look after their future.

    Inflation Protection

    Inflation Protection could automatically increase your cover amount by 5% every year, or by the Consumer Price Index – whichever is greater. Your premiums will also increase accordingly.

    Future Life Events

    If a specific life event happens, for example getting married or having a child, you can easily update your Life Insurance cover.

    Stepped vs. Level Premiums

    You can choose to pay either Stepped or Level Premiums. Stepped Premiums increase every year, but generally start off cheaper. Level Premiums generally start higher but do not increase each year with your age. Level premiums can increase through general premium rate rises and through Inflation Protection.

  • Terminal Illness Benefit

    If you’ve chosen Illness Cover, you’ll also receive a lump sum payment if you’re diagnosed with a Terminal Illness.

    Funeral Advancement

    To help with funeral expenses, your loved ones will receive an early payment of up to $25,000 if you pass away.

    Cover Pause

    In case of financial hardship, you can pause your cover for up to three months. You won't pay premiums but you also won't be covered during the Cover Pause period and for the 3 months after you restart paying premiums. It’s easy to switch on your cover again and you won’t need to go through the health and lifestyle assessment again. (This can only be set up over the phone).

    For more information please see the PDS

  • Standalone vs Bundled Insurance

    When you select more than one insurance, you can choose to have them Standalone or Bundled. Standalone – means you can keep all your insurances independent – purchase just one, two, three or all four insurances independently and receive the full Benefit Amount on acceptance of each claim. You will pay more for Standalone, but the advantage is that if you make a claim, the Benefit Amount of your remaining insurances will not be reduced, unlike Bundled insurance. Bundled – you can bundle TPD or Trauma Insurance with Life Insurance Cover. If you bundle covers, the payout of one Cover will reduce the Benefit Amount of the covers within the Bundle by a corresponding amount (Bundled Cover can only be set up over the phone).

    For more information please see the 'Choosing between Standalone and Bundled Insurance' section of the PDS

  • Premium Relief

    If you add this option, you won’t need to pay your Life Insurance premiums if you are unable to work for at least three consecutive months due to illness or accident. (This can only be set up over the phone).

    For more information please see the PDS

  • How to make a claim

    To make a claim, get in touch with our Claims Team. Every claim is different so we assign you a dedicated Claims Manager to find out what you need, to make it as easy as possible for you.

  • Payments to your beneficiaries

    You can choose who will receive your Life Insurance payment if you pass away. These people are called your beneficiaries, and they will receive a lump sum payment. You can change who your beneficiaries are at any time.

    For more information please see the PDS

  • The cost

    The cost of your Life Insurance cover will depend on a range of factors, including your age and gender, health, the cover options you choose, how long you’ve had insurance with us and whether you are a smoker.

    Minimum and Maximum Cover

    You can apply for between $100,000 and $1.5 million worth of cover. Some limits may apply depending on your income and age.

    What you’re not covered for

    Qantas Assure Life Protect gives you options to build a comprehensive insurance plan, but there are some events we can’t cover. For example, if something happens to you while you’re travelling in a dangerous country, or if your death is due to suicide in the first 13 months.

    Premium changes

    Once your Cover is in place, your policy can’t be singled out for an increase in premium rates because of a change in your health or circumstances. However we are able to change the premium rates for all customers if conditions change or we receive more claims than expected.

  • Eligibility

    The eligible age range is from 18 to 74 years old. Australian citizens, permanent Australian residents, or New Zealand citizens residing permanently in Australia are eligible to apply.

    Cover Start and End Dates

    We will notify you when your cover is active, and you will stay covered until the policy anniversary following your 99th birthday. This is provided you pay your premiums when they’re due, and you have complied with the Duty of Disclosure.

    Applying for cover

    When you apply for Qantas Assure Life Protect, you will be asked a number of health and lifestyle questions. These questions relate to your Duty of Disclosure, and your answers may mean that you have increased risk factors under the Policy. If any special conditions apply we will discuss these with you.

    For more information please see the PDS

Qantas Assure endorses the Life Insurance Code of Practice so you always receive the highest possible standard of service. Find out more.

Join now and make life more rewarding

1, 2, 3 Disclaimers

You should consider the risks of switching from another insurance policy. Check the terms and conditions of each policy before you apply, change or cancel any insurance.

The information on this website is general advice only and does not take into account your individual needs, objectives or financial situation. Before you decide to buy or to continue to hold an insurance product, you must read the relevant combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG). New applications and changes to cover are subject to acceptance.

Qantas Assure Life Protect is promoted by Qantas Airways Limited ABN 16 009 661 901 authorised representative No 261363 of the distributor, TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. Policies and claims administered by the insurer, TAL Life Limited ABN 70 050 109 450 AFSL 237848. Qantas Points are at the discretion of Qantas and may be withdrawn at any time.