Ezicover Life Insurance

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Ezicover Life Insurance

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1300 Ezicover Life Insurance means peace of mind about the future. It's knowing that whatever happens, you've helped to take care of your loved ones. If you die or become terminally ill, 1300 Ezicover Life Insurance pays out a lump sum to help provide for their needs.

Ezicover Life Insurance in brief^

Each year Plan for Life recognise market leaders and product excellence through independent, objective and transparent research. In 2015 Ezicover Direct Life Insurance was awarded the winner for Overall Excellence.

Whatever your lifestyle, Life Cover helps you protect it. Choose the amount you need to be sure your loved ones are provided for. You can insure up to $1,500,000 for ages 19 to 45, up to $1,000,000 for ages 46 to 54, up to $750,000 for ages 55 to 59 or up to $500,000 for ages 60 to 69.

You can apply for 1300 Insurance Ezicover Life Insurance if you're an Australian resident aged between 19 and 69. There's usually no need to have a medical examination although you will be asked to answer some health and lifestyles questions. Once your policy is in place, your 1300 Insurance Ezicover Life Insurance policy protects your family right up until you reach 99 years old, provided your premiums are paid when due.

There is a 10% discount on the second life insured, if you opt to apply for two policies at the same time with another person such as your spouse, and both policies are accepted.

Over time your needs and lifestyle will probably change. Zurich has made it easy to increase your Life Insurance at any time. Simply contact us to arrange an increase, up to the maximum amount allowed for your age bracket.

1300 Insurance Ezicover Life Insurance is your quickest route to peace of mind. There's no hanging about, simply apply online and get cover from the moment your application is accepted. Set up your policy and get on with your life, free of worry.

We realise that buying life insurance is a big decision, so we've made sure it's a risk-free purchase. If you change your mind within the first 30 days you can simply cancel your policy.

Even better, your first month's cover is completely free.

*If you apply for two policies at the same time, and both policies are accepted.

^1300 Ezicover Life Insurance is issued by Zurich Australia Limited. This is a summary only. Terms, conditions and exclusion apply. Please refer to the PDS for details.


It's hard to think about how your loved ones would manage without you. But making preparations now means less to worry about later. Life insurance can help you provide for your loved ones should the worst happen to you. It pays a lump sum amount if you die or become terminally ill (with a life expectancy of less than 12 months).

Your family can use the money for any purpose, for example:

  • To repay debts or pay out your mortgage
  • To cover medical or funeral expenses
  • To pay living expenses like utility bills or school fees
  • To invest for a regular income to replace your earnings

Policy Benefits

1300 Insurance Ezicover Life Insurance gives you simple, convenient access to lifelong protection for your family. It's one of the easiest ways to make sure your family are provided for, whatever the future brings.

The cover is accessible and affordable, too. The cost of your premiums will depend on a number of factors such your age, gender, occupation and lifestyle, and whether you are a smoker. There is a 10% discount on the second life insured, if you opt to apply for two policies at the same time with another person such as your spouse, and both policies are accepted.

In most cases there's no need for medical examinations or interviews. All you have to do is fill out the application form to arrange cover. As your needs may change over time,  the  policy is flexible – up until the policy anniversary after age 54 you can increase the amount of your insurance cover by up to $100,000 each year (within 30 days of your policy anniversary) without the need for reassessment, if you experience an important life event like having a child or getting married. Terms and conditions apply.  Please refer to the PDS for details.

We understand that life insurance claims can be daunting. That's why there is a simple claims process and benefits are paid as quickly as possible. There is also a $15,000 cash advance on death benefit payments to help you meet the immediate costs of a funeral, or other urgent expenses.

The policy has a 30 day cooling off period and the first month's cover is completely free on acceptance.

Eligibility

Our Life Cover is open to anyone aged 19 – 69, though provided that you keep your premiums up to date, you can keep renewing your policy each year until you reach age 99.

There are limits on the amount of cover you can apply for, depending on your age:
Age Minimum Maximum
19-45
$50,000 $1,500,000
46-54
$50,000 $1,000,000
55-59
$50,000 $750,000
60-69
$50,000 $500,000

How to buy

To buy your life cover simply fill out the online application form, or call us on 1300 Insurance (1300 467 872). Tell us about your lifestyle and how much you want to insure, and we'll give you an instant quote. If you decide to go ahead your cover will start from the moment we accept your application and send you your policy documents.

Get a quote Phone us on 1300 467 872

Important Policy Information

This information is a summary only, and exclusions do apply. It's important that you read the Product Disclosure Statement and ensure that you fully understand the policy before you purchase any insurance.

Download Policy Documents

Policy Exclusions

No benefit is payable if, within 13 months of the start date, if you:

  • die as a result of suicide, or
  • become terminally ill as a result of intentional self-inflicted injury.

If you increase your cover at any time this 13 month exclusions will apply again, but only to the amount of the increase.

If you allow your policy to lapse (for example if you fall behind with your premium payments) we may allow you to reinstate it in some circumstances. In this case the 13 month exclusions will apply again from the new start date.

If Zurich intend to apply any additional exclusion to your policy, they will agree the exclusion with you before your cover begins and the exclusion will be shown on your policy schedule.

1300 Insurance Ezicover Life Insurance is issued by Zurich Australia Limited (Zurich) ABN 92 000 010 195 AFSL 232510 of 5 Blue Street, North Sydney, NSW 2060. This information is of a general nature only and does not take into account your objectives, financial situation or needs. You should consider these factors and the relevant product disclosure statement (PDS), which contains details of conditions, limits and exclusions of cover, before making a decision regarding the product. 1300 Insurance is an Authorised Representative of Bombora Advice Pty Ltd (ABN 40 156 250 565 AFSL Number 439065), of Level 2, 406 Collins Street, Melbourne VIC 3000. 1300 Insurance promotes this product and if you buy an Ezicover policy, Bombora Advice Pty Ltd will receive a commission from Zurich of up to seventy percent (plus GST) of your insurance premium. This is then passed onto 1300 Insurance. This amount is paid by Zurich and is not an additional cost to you. Details of remuneration received by 1300 Insurance can be found in their Financial Services Guide.