Family Life Cover provides insurance cover designed to help fill the financial gap for your family if the worst were to happen and they were suddenly left without you to provide for them.

If you are the main breadwinner in the family, it’s important to make sure that your family would have adequate funds to ensure that the dreams for your family are not jeopardized if were no longer there.

Family Life Cover provides insurance that pays a cash benefit – from $100,000 up to $750,000 that can be used by your loved ones to help provide funds for the mortgage or rent, loans, school fees or day to day living expenses.

Even if you already have life insurance (for example through your Superannuation), Family Life Cover can be used to boost your cover levels to take account of increasing costs that comes with inflation and a growing family.

Family Life Cover isn’t just for the main breadwinner. The loss of a partner who takes care of the home and children could add to family expenses for things like childcare, transportation and housekeeping. That’s why we offer the Joint Plan – so you can protect each other.

Life is unpredictable and we never know what lies around the corner. If you wait until you are unwell, the cost of life insurance could substantially increase, and it may also be difficult to obtain. Once you have your Family Life Insurance in place, you can keep it for life, and we guarantee to renew your policy, providing you continue to pay your premiums when due, regardless of changes to your health or pastimes.

You can tailor the benefit amount to suit your needs and budget. If you are an Australian resident aged between 18 and 54 you can select a benefit amount of up to $750,000, those aged between 55 and 59 can select up to $500,000 and those aged up to 64 can select up to $300,000. The minimum benefit amount is $100,000, and you can select your chosen benefit in increments of $1,000, up to the maximum.

You will be protected for the full benefit amount you choose from the very first day your cover takes effect, and you can keep your full cover for life. The benefit will not decrease as you get older, or due to changes to your health.

To help ensure that your level of insurance cover keeps up with increases in the cost of living your cover level is automatically increased on each policy anniversary by 5%. You can decline this increase by writing to us if you wish.

The automatic increases stop at the policy anniversary after you reach age 70.

With the Terminal Illness Benefit you can elect to claim your full benefit if you are diagnosed as being terminally ill (with 12 months or less to live). This special benefit may help you get the best medical treatment available, put your personal affairs in order or settle other family needs.

Yes. You there are a range of options so you can tailor the cover to suit your needs. Options include Children’s Cover Insurance, Total & Permanent Disability Insurance, Accidental Death Insurance and Serious Illness Insurance.

All Australian permanent residents and their partners aged between 18 and 64 are eligible to apply for Family Life Insurance cover. A medical examination is not required as insurability will be determined by your answers to a few health and lifestyle questions.

Once accepted you’re immediately covered for death by any cause except for suicide or intentional self-injury in the first 13 months of cover commencing, increasing or being reinstated.

A Terminal Illness Benefit is also not payable if the terminal illness is the result of a self-inflicted injury or illness by the life insured.

Absolutely. Once your application is accepted, you are covered 24/7, anywhere in the world.

Many of our customers are surprised at the affordability of this important cover. Cover starts at just $1.45 per week for $100,000 life insurance cover (based on standard rate for a female non-smoker aged between 18 and 34). Get a quote and see for yourself how affordable Family Life Insurance can be for you, or call 1300 37 7325 and speak to one of our Consultants.

Your premium is calculated each year on the policy anniversary and is based on your age at that time.

Premium rates are not guaranteed. However you can never be singled out for an increase – any variation will apply to all Family Life Cover Policyowners.

In most cases your premium will not be tax deductible and tax will not be payable on any benefit paid under your policy.

This information is based on continuance of present tax laws and the insurer’s interpretation of those laws. Your individual situation may differ and you should seek qualified professional advice in relation to your particular circumstances.

As long as you pay your premiums, you can keep your policy for life.

If you cancel your cover within the first 30 days of commencement – for any reason whatsoever – you’ll receive a full refund of premiums that have been paid. If you cancel your cover after 30 days, you will not get anything back as Family Life Cover is not a savings plan.

We make all payments for claims in the first instance to the policyowner. For a Joint Plan, this means that payments are made to the surviving Life Insured. If there is no surviving policyowner, benefits will be paid to the Nominated Beneficiaries. Where there are no Nominated Beneficiaries, We will pay the benefit to the policyowner’s estate.

You can nominate a person as a beneficiary to receive the benefit on death by simply downloading a beneficiary form, complete and mail it to St Andrew’s Life Insurance, GPO Box 1679, Crows Nest, NSW 1585.

Claims will be assessed as soon as the completed claim documents are received with any additional information required. Accepted claims will be paid without any unnecessary delay.

No-one would want to leave their family in a financial mess would they? That’s why Funeral Expenses Cover provides insurance that has been designed to help you protect your family from the financial burden of your funeral and other unexpected costs, if you were to unexpectedly pass away.

No-one knows what lies around the corner, whether it’s accident or illness - and securing cover early ensures the protection is there if it’s needed.

You can select a cover option that suits your needs and budget, from $3,000 life insurance benefit through to $15,000 life insurance benefit.

If death is the result of an accident, then three times the life insurance benefit will be paid. This means if you have a $10,000 life insurance benefit, and you die as the result of an accident, the benefit payable to your loved ones would be $30,000.

To help ensure that your level of insurance cover keeps up with increases in the cost of living your cover level is automatically increased on each policy anniversary by 5%. You can decline this increase by writing to us if you wish.

Yes. You can add Accidental Serious Injury Insurance to your Funeral Expenses Insurance, which provides a benefit in the event of Quadriplegia, Paraplegia, Hemiplegia, Blindness, Deafness or Total and Permanent Loss of Use of two limbs.

If you are an Australian resident aged between 18 and 74 you’re eligible to apply and we guarantee to accept you for this insurance.

No, and there are no intrusive questions about your health and lifestyle.

After the first year of cover there are no exclusions on the cover provided. During the first year of the Funeral Expenses Cover, a benefit will only be paid if death is due to an accident, thereafter the benefit is payable on death from any cause, including sickness and accident.

Accident means an event resulting in bodily injury where the injury is directly and solely caused by violent, external and visible means without any other contributing causes and where the injury is not self inflicted. Accidental Death means death occurring as a direct result of an Accident and where death occurs within 90 days of the Accident.

Absolutely. Once your Funeral Expenses Cover is in force, you are covered around the clock, anywhere in the world.

Yes. The Funeral Expenses Cover has been designed to be family friendly. You can choose to cover your life (Single Plan), or cover yourself and your partner and all children up to age 21 who are dependent on you (Family Plan). There is no limit on the number of dependents that can be covered under the Family Plan.

Just get a quote to see how affordable it can be for you. Cover starts at $1.75 per week (premium for Single Plan providing $5,000 benefit [or $15,000 Accidental Death benefit] for men and women up to age 44). That’s less than the cost of a daily newspaper.

The premium is calculated each year on the policy anniversary and is based on your age at that time, the benefit level you select, and whether you select Family or Single Funeral Expenses Insurance cover. For Family Funeral Expenses Insurance the premium is based on the age of the oldest member of the family. From age 90, premiums are waived and no further payments are required.

You can never be singled out for an increase – any variation will apply to all Funeral Expenses Cover policyowners.

In most cases your premium will not be tax deductible and tax will not be payable on any benefit paid under your policy.

This information is based on continuance of present tax laws and the insurer’s interpretation of those laws. Your individual situation may differ and you should seek qualified professional advice in relation to your particular circumstances.

As long as you pay your premiums, the cover is guaranteed renewable for the rest of your life and you’ll be covered anywhere in the world, 24 hours and day – even if your health and circumstances change.

If you cancel your Funeral Expenses Cover Policy within the first 30 days of commencement – for any reason whatsoever – you’ll receive a full refund of premiums that have been paid. If you cancel your Policy after 30 days, you will not get anything back as this Policy is not a savings plan.

We make all payments for claims in the first instance to the policyowner. For a Joint Plan, this means that payments are made to the surviving Life Insured. If there is no surviving policyowner, benefits will be paid to the Nominated Beneficiaries. Where there are no Nominated Beneficiaries, We will pay the benefit to the policyowner’s estate.

You can nominate a person as a beneficiary to receive the benefit on death by simply downloading a beneficiary form, complete and mail it to St Andrew’s Life Insurance, GPO Box 1679, Crows Nest, NSW 1585.

Claims will be assessed as soon as the completed claim documents are received with any additional information required. Accepted claims will be paid without any unnecessary delay.

Serious Illness Cover has been designed to help fill the financial gap for you and your family if you were to suffer a serious illness (as defined in the policy).

The policy provides a cash benefit to you – from $50,000 up to $750,000 that can be used to help smooth the way to recovery and help bring your life back to normal. You can spend the benefit as you wish – to help with medical expenses, rehabilitation, or even a holiday!

Serious Illness Cover isn’t just for the main breadwinner. If a partner who takes care of the home and children is out of action, it can mean significant additional expenses to keep the household going, on top of rehabilitation and medical expenses. That’s why we offer the flexible Joint Plan where you and your partner can select individual benefit amounts.

Life is unpredictable and we never know what lies around the corner. If you wait until you are unwell, you may find this insurance is difficult if not impossible to obtain. Once you have your Serious Illness Cover in place, you can keep it all the way to age 65, and we guarantee not to raise your rate or cancel your policy as a result of your health deteriorating.

You can tailor the benefit amount to suit your needs and budget. If you are an Australian resident aged between 18 and 54 you can select a benefit amount of up to $750,000, those aged between 55 and 59 can select up to $500,000. The minimum benefit amount is $50,000.

You will be protected for the full benefit amount you choose from the very first day your cover takes effect, and you can keep your full cover all the way to age 65. The benefit will not decrease as you get older, or due to changes to your health.

To help ensure that your level of insurance cover keeps up with increases in inflation your cover level is automatically increased on each policy anniversary by 5%. You may decline this increase by writing to us if you wish.

All Australian permanent residents and their partners aged between 18 and 59 are eligible to apply for cover. A medical examination is not required as insurability will be determined by your answers to a few health and lifestyle questions.

Once accepted you’re immediately covered for the defined serious illnesses except:

• If the serious illness is caused as a result of attempted suicide or intentional self-injury, or
• If the serious illness manifests itself before the start of the policy or during the first 3 months after:
• the Serious Illness Insurance Commencement Date;
• any increase in cover commences (except automatic increases), in respect of the increase;
• any addition of a Life Insured in respect of the Life Insured; or
• Insurance is reinstated.

Absolutely. Once your application is accepted, you are covered 24/7, anywhere in the world.

Many of our customers are surprised at the affordability of this important cover. Cover starts at just $2.30 per week for $50,000 cover (based on standard rate for a female non-smoker aged between 18 and 34). Get a quote and see for yourself how affordable Serious Illness Cover can be for you, or call 1300 37 7325 and speak to one of our Real Consultants.

The premium is calculated each year on the policy anniversary and is based on your age at that time, and the benefit level and plan you select.

Premium rates are not guaranteed. However you can never be singled out for an increase – any variation will apply to all Serious Illness Cover policyowners.

Generally the premiums are not tax deductible and benefits paid are not assessed as income. This information is based on continuance of present tax laws and our interpretation of those laws. Your individual situation may differ and you should seek qualified professional advice in relation to your particular circumstances.

Your policy will continue until the first policy anniversary after you reach age 65.

If you cancel your cover within the first 30 days of commencement – for any reason whatsoever – you’ll receive a full refund of premiums that have been paid. If you cancel your cover after 30 days, you will not get anything back as Serious Illness Cover is not a savings plan.

We will pay the benefit to the Serious Illness Cover policyowner, and we guarantee that we will pay the benefit as soon as we receive the completed claim documents and any additional information required, without any unnecessary delay.

Whether you’re working or enjoying life in retirement, it’s important to plan to make sure your family is taken care of if you were no longer there.

Most importantly, no-one wants to leave their family with the burden of outstanding bills or funeral costs. Even if you have other insurances or a nest egg to help see your family through life, it would be a shame for that to be diminished by any bills that you unavoidably leave behind.

The great thing about Silver Life Cover is that once your have your cover in place, the premium is fixed, making it easy for you to budget.

Silver Life Cover is simple, no nonsense life insurance designed to give an extra measure of financial security for your family.

You can select a cover option that suits your needs and budget, from $3,000 through to $15,000 life insurance benefit.

If death is the result of an accident, then three (3) times the life insurance benefit will be paid. This means if you have a $15,000 life insurance benefit, and you die as the result of an accident, the benefit payable to your loved ones would be $45,000.

If you cancel your Silver Life Cover within the first 30 days of commencement – for any reason whatsoever – you’ll receive a full refund of premiums that have been paid. If you cancel your Silver Life Cover after 30 days, you will not get anything back as Silver Life Cover is not a savings plan.

If you are an Australian resident aged between 50 and 74 we guarantee to accept you for this insurance, with no health questions and no medical requirements. Once you’re covered, you can keep your policy for life.

No, and there are no intrusive questions about your health and lifestyle.

After the first year of cover there are no exclusions on the cover provided. During the first year of the Silver Life Cover, a benefit will only be paid if death is due to an Accident, thereafter the benefit is payable on death from any cause, including sickness and accident.

"Accident" means an event resulting in bodily injury occurring which is directly and solely caused by violent, external and visible means without any other contributing causes and where the injury is not self inflicted.

"Accidental Death" means death occurring as a direct result of an Accident and where death occurs within 90 days of the Accident.

Absolutely. Once your Silver Life Cover is in force, you are covered around the clock, anywhere in the world.

Yes. The Silver Life Cover has been designed to be family friendly. You can choose to cover yourself (Single Plan), or cover yourself and your partner and all children up to age 21 who are dependent on you (Family Plan). There is no limit on the number of dependents that can be covered under the Family Plan.

Just get a quote to see how affordable it can be and for you. Cover starts at $4.45 per week (premium for Single Silver Life Cover providing $5,000 benefit (or $15,000 Accidental Death benefit) for a person aged 50.

Once you have your cover in place, the premiums are locked in – making it easy to budget.

The premium is calculated on the commencement date of your policy and is based on your age at the time, the amount of cover you select and whether or not you choose the Family or Single Plan. The premium is based on the age of the oldest life insured on the policy, and it will not increase due to changes in your age or health. From age 90, premiums are waived and no further payments are required.

Generally the premiums are not tax deductible and benefits paid are not assessed as income. This information is based on continuance of present tax laws and our interpretation of those laws. Your individual situation may differ and you should seek qualified professional advice in relation to your particular circumstance.

As long as you pay your premiums, the cover is guaranteed renewable for the rest of your life and you’ll be covered anywhere in the world, 24 hours and day – even if your health and circumstances change. From age 90, premiums are waived and no further payments are required, but your cover will continue.

We make all payments for claims in the first instance to the policyowner. For a Joint Plan, this means that payments are made to the surviving Life Insured. If there is no surviving policyowner, benefits will be paid to the Nominated Beneficiaries. Where there are no Nominated Beneficiaries, We will pay the benefit to the policyowner’s estate.

You can nominate a person as a beneficiary to receive the benefit on death by simply downloading a beneficiary form, complete and mail it to St Andrew’s Life Insurance, c/o GPO Box 1679, Crows Nest, NSW 1585.

Claims will be assessed as soon as the completed claim documents are received with any additional information required. Accepted claims will be paid without any unnecessary delay

To reward you for your loyalty, providing your policy remains in force, every 3 years Real will pay you 10% of the premiums you have paid for your policy in the preceding three years.

No one knows what lies around the corner, whether it’s accident or illness - and securing cover early ensures the protection is there if it’s needed.

If you wait until you are unwell, the cost of life insurance could substantially increase, and it may also be difficult to obtain.

Yes. You can pay your fortnightly or monthly premiums on the date of your choice – and you can pay either by automatic debit from your bank, credit union or building society account or by charge to your Visa or Mastercard.

St Andrew’s Life Insurance Pty Ltd (St Andrew's) is the issuer of the real range of life insurance products.

St Andrew’s opened its doors in Australia in 1998 and now has an Australia wide presence with offices in Western Australia, Victoria, New South Wales and Queensland.

St Andrew’s is part of the HBOS Australia Group, whose UK based parent, HBOS plc, is one of the world's largest financial services groups. With assets of around $1 trillion and 74,000 staff worldwide, HBOS plc has a significant presence in Europe, North America and Australia through HBOS Australia.

Neither HBOS Australia or any members of the HBOSA Group of companies in Australia or overseas (other than the liability of St Andrew's as insurer) guarantees or accepts liability in respect of the life insurance products offered.

To make a claim simply download a claim form or call 1300 737 697 and we will send you a claim form to be completed and returned with any other documents required. The claim will be processed as soon as these documents are received, without delay.

Call 1300 37 7325 and we can give you more information about our range of products, answer any questions you may have, provide a quote and take your application over the phone – it’s as easy as that and you can be covered without delay.