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
You have the option to change your level of cover so your policy continues to suit your needs no matter what life stage you're at.
All BT Protection Plans are guaranteed to continue for the term specified. This means that as long as you continue to pay your premiums, your cover will continue, even if your circumstances change.
All new product upgrades, that don't result in an increase in premiums, are automatically applied to your existing policy so you continue to hold the most up-to-date BT Protection Plans product available.
BT’s TPD insurance can be added to your Term Life policy or taken as a standalone policy.
Take out $750,000 of Life and TPD cover for as little as around $4.40 per day1.
1Based on rates for BT Protection Plans current as of June 2016. Cost based on Term Life insurance with additional any occupation TPD insurance for a 45 year old, non-smoking, male, marketing manager, living in NSW, paying a stepped annual premium.
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 Westpac Securities Administration Limited ABN 77 000 049 472 (WSAL) as trustee of the Westpac MasterTrust ABN 81 236 903 448. WLIS and WSAL 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.
© BT Financial Group – a division of Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714