BT has been named Australia’s best life insurance company, with award winning products and claims experience*. Life has a habit of dishing up curveballs. BT Protection Plans help protect what you’ve worked hard to build up and help you, and your family, stay on track to prepare for the best.
BT’s Term Life Insurance pays a lump sum if you die or are diagnosed with a terminal illness, helping your family recover and maintain their standard of living if you pass away prematurely.
Lump sum payable in the event of death or diagnosis of a terminal illness which is highly likely to result in death within the next 24 months
Loyalty benefit that provides an additional 5% at claim time once the policy has been in force for more than three years
Future Insurability benefit to allow you to increase the cover in the future upon certain life events without being medically underwritten
Provides an income stream to assist you in continuing to meet your everyday living expenses if you are unable to work, due to sickness or injury.
Market leading flexible policy terms to support your recovery
Rehabilitation and retraining benefits to help get you back on your feet
Loyalty benefit – a premium free $50,000 death benefit once the policy has been in force for more than three years
BT’s Living Insurance provides financial support if you suffer a specific medical condition like cancer, a heart attack or a stroke.
Full benefit payable for a long list of diseases and injuries, with market leading up to date definitions
Partial benefits providing payments of up to $100,000 in the event of less serious diagnosis
Loyalty benefit that provides an additional 5% at claim time once the policy has been in force for more than three years Future Insurability benefit to allow you to increase the cover in the future upon certain life events without being medically underwritten
BT’s TPD Insurance pays a lump sum in the event you become totally and permanently disabled and are unlikely to work again.
Choose the definition that’s right for you; Own occupation, Any occupation, Home maker or General
Use super to pay for premiums by owning the cover inside super, and use super-linking options to top up definitions with cover outside super
Loyalty benefit that provides an additional 5% at claim time once the policy has been in force for more than three years
Future Insurability benefit to allow you to increase the cover in the future upon certain life events without being medically underwritten
Helps you continue to run your business if you are unable to work, due to sickness or injury.
Can be used to pay business expenses like rent, utility bills or insurance premiums
Keeping your business running if you cannot work
Cover up to 5 key people in your business if they become disabled due to sickness or injury.
Minimise financial impact to business cash flow
Pay for recruitment and training to replace a key person
Assist with short term repayment of debt
Protection of business assets
Assist with the key person’s gradual return to work
BT offers other insurance solutions to provide for your specific needs.
Needlestick Benefit if you’re a doctor or medical professional at risk of occupationally acquiring HIV or hepatitis B or C.
Children’s benefit to help ease the financial impact if your child dies or is diagnosed with a serious medical condition.
Homemakers cover to benefit homemakers if they become severely disabled and they are unable to perform their normal household duties.
*AFA/Plan For Life Awards 2015
> Platinum Award - 2015 Life Company of the Year
> Claims Team of the Year Team Award
> Income Protection Insurance Award: Income Protection Plus
World Finance Global Insurance Awards 2015
> Best Life Insurance Company, Australia
AB+F Insurance Awards 2014 & 2015
> Life Insurance Product of the Year - Protection Plans
C-MAP Mark of Excellence
A* Rated Claims Customer Experience
2011 – 2016
FSC Life Insurance Awards 2016
> Consumer Innovation Award: Advanced Terminal Illness Benefit
BT Protection Plans are issued by Westpac Life Insurance Services Limited ABN 31 003 149 157 (WLIS), except for Term Life as Superannuation and Income Protection as Superannuation which are issued by BT Funds Management Limited ABN 63 002 916 458 (BTFM) as trustee of the Retirement Wrap ABN 39 827 542 991. WLIS and BTFM are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 (the Bank). The Bank does not guarantee the insurance. This information does not take into account your personal circumstances. Terms and conditions, and limitations and exclusions apply. Read the Product Disclosure Statement to see if this insurance is right for you. View the BT Wealth Connect FSG.
© BT - Part of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714