BT Protection Plans include a range of cover options for business owners, employees, families, individuals with high net worth or in specialised professions, and those planning their estates.

Term Life pays a benefit if the insured person dies or suffers a terminal illness. If the insured person is the main breadwinner in the family, it can be used to protect their family’s future.

Total and Permanent Disability Benefit is available as a standalone policy, as an additional benefit on a Term Life Policy, or under Flexible Linking. There are four definitions of TPD cover.

Living Insurance is available as a standalone policy, as an additional benefit on a Term Life Policy, or under Flexible Linking. It provides a lump sum payment in the event of a serious illness or injury.

An Income Protection policy provides your client with a monthly benefit to replace a portion of the income lost when the insured person is unable to work at their full capacity due to sickness or injury.

Key Person Insurance assists business owners by providing a monthly benefit that can be used for up to 12 months if the key person is unable to work to their full capacity due to sickness or injury.

Business Overheads can be vital to the survival of a business. It pays a monthly benefit to help cover the day to day costs of running a business for up to 12 months, if the insured person is disabled because of sickness or injury and is unable to work at their full capacity in their business.

Documents and downloads

Speak to your Business Development Manager or call BT Adviser Services

25% off the first year’s premium only. Consider the ongoing premium in deciding whether to take out the insurance. Unless withdrawn earlier, the discount is only available for quotes received on or prior to 31 July 2020, where any subsequent application is lodged prior to 30 August 2020. The Insurer of BT Protection Plans is Westpac Life Insurance Services Limited ABN 31 003 149 157 ('the Insurer'). BT Protection Plans are issued by the Insurer 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 ABN39 827 542 991. The Insurer and BTFM are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 ('the Bank'). The Bank does not guarantee payments under the insurance. Please read the Product Disclosure Statement at bt.com.au to see if this insurance is right for you. The information in this document does not take into account your personal circumstances.