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About Essential Life Accidental Cover

Essential Life Accidental Death Cover (Essential Life) is life insurance cover which pays a lump sum benefit to help your family or other loved ones cope with the financial impact of your death as a result of an accident.

With this valuable protection, you are covered worldwide, 7 days a week, 24 hours a day and your benefit payment can be used however needed – to pay off the mortgage, to provide medical or other assistance during a difficult time, or to provide ongoing financial support for your family. Plus with Essential Life, you have the option to apply for cover for Accidental Serious Injury, for even greater protection and peace of mind.

What cover is available?

With Essential Life you can choose an Accidental Death benefit from $100,000 up to $1,000,000 (depending on your age at the Policy Commencement Date). Accidental Death cover is one of the simplest and quickest ways of providing insurance protection for your family as all Australian residents aged 18-64 years are guaranteed acceptance for this valuable cover, regardless of health or medical circumstances. Cover can continue through to age 70 (as long as premiums remain paid).

$10,000 of your Accidental Death benefit benefit can also be advanced as a funeral benefit to assist with the immediate costs of your funeral or other final expenses.

You also have the option to apply for up to $250,000 cover for Accidental Serious Injury which provides financial protection in the event you suffer a serious accidental injury such as a Major Head Trauma, Severe Burns or Paraplegia. (Your optional cover cannot exceed the amount of Accidental Death cover).