Welcome to the family…

What is the renewal process for the policy (12 months after policy purchase).

You will receive a policy renewal notice from your insurer, usually 4 weeks prior to your renewal period. The notice helps you understand the changes you can expect in your premium after renewal. Please call us at 1300 904 624 to discuss the changes in your policy premium.

What is Indexation?

Indexation simply means that the benefit or cover amount will increase each year as the cost of living increases. This is typically in line with the consumer price index (CPI) or 5% – whichever is greater. Your premium amount will increase at the same rate. You will have an option to opt-out of indexation after a 12 month period if you no longer wish for indexation to apply to your policy.

What is the process to make a claim?

A nominated beneficiary (the person that the claim payments are paid to when the claim is processed and approved) can start by contacting us as soon as possible, so we can help them understand the process of making a claim. We recommend you to have all your documentation ready with any certification completed if required. Please click here to read more about how to make a claim

What is a certified copy and how do I get it?

A certified copy is a copy of an original document signed and stamped by an authorised certifier who has checked it against the original document to ensure it is a true copy. In Australia, a range of authorised certifiers in your community can complete this including Medical Practitioners, Legal Practitioners, Court Officials, Justices of the Peace (JP), Full-time Primary or Secondary School Teachers, Pharmacists, Veterinarians, and Police Officers.
If you don’t have a photocopier, most news-agencies offer this service. Take the original documents, such as your driver’s license, the insured’s driver’s license or evidence of death and your copies to an authorised person to sign, stamp and certify your copies as true and original.

How long does it take before I receive the claim payment?

Most insurers settle in a matter of days or weeks*(depending on the type of claim). Things can get complicated if a person failed to disclose their medical history in full. It can also take longer if there are multiple beneficiaries, or if the policy doesn’t have a nominated beneficiary.
It’s also important to keep across premium payments. If they’re missed, a policy may become invalid.
The insurer will need to complete due diligence before a payment is made. The insurer aims to complete this as quickly as possible however there can be a delay depending on the types of checks which might be required.* https://www.apra.gov.au/sites/default/files/Life%20Insurance%20Claims%20and%20Disputes%20Statistics%20-%20June%202019.pdf