Ezicover Term pays a lump sum on death or terminal illness where life expectancy is less than 12 months. You can choose the cover you need between $50,000 up to $750,000 depending on your age. Up to age 54 – you can have $750,000 cover or if you are aged between 55 & 59 years you can select cover up to $500,000. Also your cover is renewable each year until the policy anniversary following your 99th birthday as long as your premiums are paid when due.

Ezicover Select Term pays a lump sum on death or terminal illness where life expectancy is less than 12 months. You can choose the cover you need between $50,000 up to $750,000 depending on your age. Up to age 54 – you can have $750,000 cover or if you are aged between 55 & 59 years you can select cover up to $500,000. You can also choose the term you want the cover for either 5, 10 or 15 years. Your premium remains level and does not increase as you get older.

Ezicover Trauma pays a lump sum if you suffer one of the specified conditions covered under the policy, ie. Heart Attack, Stroke, Coronary Artery By-Pass Surgery and Malignant Cancer. There is choice of cover from $50,000 to $150,000 and you can apply if aged between 19 & 55 years. The cover ceases on the policy anniversary after your 75th birthday.

Ezicover Income Replacement pays an income if you are disabled and suffer a loss of income as a direct result. A monthly benefit of between $1,500 and $3,000 is available to people between the ages of 19 & 57 years. In addition premiums are generally tax deductible.

Ezicover Needlestick Plus pays a lump sum for occupationally acquired HIV, Hepatitis B or Hepatitis C. Cover is available from $50,000 to $400,000 and people can apply if aged between 19 and 65 years.

Yes the online application process makes it easy for you both to apply and you will receive a discount on the total premium on acceptance of both Applications – normally around $ 4.76 per month.

As long as premiums are paid when due the policy will last until the policy anniversary following the expiry age.

Yes. A 21 day cooling off period applies. After you receive your policy document, you can cancel for any reason without penalty.

The Policy is normally owned by the Life Insured. However you can nominate someone else to be the policy owner (for example, a spouse), or you can be a joint owner (perhaps in the case of a husband and wife). Additionally if you have a self-managed super fund, some polices can be owned by the fund.

No. You receive the first month's premium free on acceptance.

We can cancel your policy if a premium remains unpaid for 30 days after it was due. This means you will not be covered and you cannot make a claim. The Policy Document contains information about applying to have a lapsed policy reinstated. We may decide not to reinstate the policy or impose additional conditions on the policy.

Premiums are not guaranteed and can change from time to time. Any change, however, will affect all policies in the same category, not just an individual policy. Zurich will notify you of any changes to premium rates at least 30 days prior to the change taking effect.

In most cases, you cannot claim a tax deduction for the premiums you pay for your policy. Any benefit received would not normally be assessable for taxation purposes. This information is a guide only and is based on current taxation laws, their continuation and their interpretation. For information about your individual circumstances, contact your tax adviser.

Ezicover Funeral Plan pays a lump sum on death, There are 3 levels of cover available either $5,000, $10,000 or $15,000 and you can apply if aged between 19 and 80 years. Premiums cease but cover continues on the policy anniversary after your 90th birthday.

The cost to you is the monthly premium amount. The premium amount is determined by your individual circumstances, such as age, occupation or if you smoke. You can find out what your monthly premium amount will be by clicking on the "Get a Quote" button.

The premium can be paid by direct debit from your bank account or credit card monthly. You can also elect to pay the premium annually. You should seek advice from your accountant or tax adviser as premiums for products like income protection insurance are normally tax deductible, which may save you money.

You will not normally be asked to complete any medical tests as part of your application for 1300 Insurance Ezicover Insurance, however some personal circumstances will mean you do not qualify for immediate cover. In this circumstance you may be asked to provide more medical information, and 1300 Insruance will contact you to discuss your options.

1300 Insurance offers you the convenience of purchasing a range of Life Insurance products online, without any medical check-ups or other hassles. This might be perfect for some people, but there can be a variety of reasons you might want to talk to a life insurance broker. If you are unclear about anything you have read or would simply like to discuss your options, then you should contact 1300 Insruance (1300 467 873). If your would like personalised advice, contact one of our licensed Life Insurance advisers by calling 1300 Life Insurance (1300 543 346). You can also use our online form to request a life insurance quote tailored specifically to you.