Life Insurance

life insurance life insurance

Have you considered what would happen if you or your partner passed away, suffered a critical illness or were permanently unable to work due to sickness or injury? The mortgage, credit card payments and day-to-day living expenses don’t stop.

Taking care of your family is most likely your top priority. This is where Allianz LifeCover Plus can help, with a number of different protections to ensure that those you love are looked after. Allianz LifeCover Plus is straight-forward and affordable life insurance. Have peace of mind knowing that your family’s financial future is secure, by providing for them when you may no longer be able to.


simply click here to get a quote and buy online.


Call 1300 362 108 to speak to one of our experienced life insurance specialists

Why choose Allianz LifeCover Plus?

  • Get a preliminary quote in under a minute
  • Get an immediate decision on your cover
  • Cover for as little as $2.50 a week1
  • No medical or blood tests required to apply
  • 30 day money back guarantee7

Cover Options


Life Cover

Life cover pays a lump sum if you die or suffer a terminal illness.

  • Up to $1,500,000 cover2
  • Insure up to 2 people on the same policy
  • Accidental injury benefit such as loss of sight or limb4
  • Guaranteed benefit increases4
  • Inflation proofing5
  • Keep your cover – guaranteed to age ninety nine3

Critical Illness Cover

Critical Illness cover, also known as Trauma insurance, pays a lump sum benefit if the insured suffers one of the defined Critical Illness events.

  • Up to $500,000 cover2
  • Cover for 14 serious illnesses such as cancer, stroke and heart attack4
  • Inflation proofing5
  • Keep your cover – guaranteed to age seventy3

Permanently Unable to Work Cover

Permanently Unable to Work Cover pays a lump sum in the event that the insured suffers a sickness or injury that means they are unlikely ever to be able to work again.

  • Up to $1,500,000 cover2
  • Lump sum payment if you are never able to work again6
  • Additional cover for major physical impairment such as blindness or loss of hearing
  • Inflation proofing5
  • Keep your cover – guaranteed to sixty five3

Please refer to the Product Disclosure Statement for eligibility criteria, cover limits and exclusions.

How to claim

To make a claim call 1300 362 108 Mon–Fri, 9:00am-6:00pm.

Making a claim can be a time of great stress, so it’s important that all cases are handled sensitively and as quickly as possible.

  • ✔ All claim matters are dealt with promptly and efficiently
  • ✔ Regular contact to keep you and your estate updated and informed
  • ✔ Claims are managed with best practice principles


1Indicative premium based on a 34 year-old male non-smoker with $100,000 Life cover
2 Cover amount is dependent on your age at the time of application
3We guarantee to renew your cover until you reach expiry age as listed in the PDS, regardless of how your health may change and dependent on payment of policy premiums.
4Subject to conditions as outlined in the Product Disclosure Statement and Policy Document
5Each policy anniversary we increase your cover amount either by the increase in the CPI over the previous year or 5%, whichever amount is greater, until age 65
6If you are never able to work again as a result of permanent sickness or injury
7You can return the Policy within 30 days of receiving the first Policy Schedule (“cooling-off period”) by writing to us and we will refund any premiums paid unless a claim has been or can be made under the Policy.


Allianz Australia Life Insurance Limited AFS Licence No. 296559, ABN 27 076 033 782 is the issuer of this insurance. Queensland Railways Institute Inc ABN 40 342 992 636, AR 261 280 acts under a referral basis as an agent for Allianz, not as your agent. Queensland Railways Institute receive commission on these insurance products as a percentage of the premium paid for each policy ranging from 10% to 20%. The information contained on this website is general information only. It does not take into account your individual objectives or financial situation. You should therefore consider the appropriateness of the insurance having regard to your objectives, financial situation and needs. Prior to making any decision you should read the Product Disclosure Statement(PDS).