No, however you may be asked some questions about your health and medical history.
Yes, your partner can apply and you can both enjoy a 5% joint-policy discount when you both take out cover on the same policy.
As soon as we accept your application. This is known as your Policy Commencement Date and is shown on your Policy Schedule.
We will send you a Policy Schedule outlining your accepted benefits, Sum Insured, Policy Commencement Date and each cover’s Expiry Date.
If you are a member of an Australian superannuation fund you might already have some life and income protection insurance cover, though typically the default option may only provide a fraction of the cover you need.
Australian superannuation plans also don’t normally include serious or critical illness insurance.
To work out if you need extra cover, check the insurance you have through your superannuation fund or employer.
You have the option of making your premium payment fortnightly, monthly or annually, either by credit card or direct debit. It's up to you.
Your premium may be determined by the product you choose and the type and level of cover, age, gender, smoking status, the number of children covered and any discounts you may receive.
You may also be required to take out a level of cover sufficient to meet the minimum premium. The premium amount includes government charges such as stamp duty and taxes.