Insurance plays an important role in helping clients protect their income, lifestyle and long‑term goals. BT Panorama enables you to incorporate insurance into your advice process alongside super and investments, supporting a more holistic, whole‑of‑wealth approach.
BT Panorama provides a selection of insurance providers allowing your client to select the insurance cover most suitable to meet their needs. Insurance premium payments are automatically deducted and paid directly from their BT Panorama account.
Closed to new clients:
*Protection Plans is closed to new clients effective 1 August 2022
**Asgard Personal Protection Package is closed to new clients effective 1 January 2018
BT Panorama provides:
As the adviser, you are responsible for:
Under legislation, we’re required to stop maintaining the insurance cover held through a member’s super account from 1 July 2019, if:
To comply with the legislation, we’re required to contact your client when their account has been inactive for certain specified periods and provide them with the opportunity to confirm if they want to continue with the insurance cover.
This legislation was passed to ensure that superannuation account balances are not eroded by insurance premiums for cover that members are not aware they hold or no longer need.
Option 1
Login to their account at www.panoramainvestor.com.au, then navigate to: Insurance > Keep Insurance.
Option 2
Complete and sign the Insurance opt-in nomination form and send it to us by email or post as follows.
Option 3
Call us on 1300 881 716
If the super account becomes inactive after a continuous period of 16 months, premiums can’t be deducted, and any insurance cover will cancel. The insurer will provide your client notification around cancellation and of any opportunity to reinstate. If the insurance has cancelled, your client will need to notify the insurer immediately to reinstate the policy. Any reinstatement (if available) will be subject to the terms of acceptance by the insurer.
Information current as at 22 June 2026.
This information has been prepared by BT Portfolio Services Limited ABN 73 095 055 208 AFSL 233715 (BTPS), the operator of Panorama Investments; and BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) the trustee of Panorama Super, which is part of Asgard Independence Plan Division Two ABN 90 194 410 365. Westpac Financial Services Ltd ABN 20 000 241 127 AFSL 233716 (WFSL) is the responsible entity and issuer of interests in BT Managed Portfolios. Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714 (Westpac) is the issuer of the BT Cash Management Account (BT CMA) and the BT Cash Management Account Saver (BT CMA Saver). Together, these products are referred to as the Panorama products.
This page has been prepared for use by advisers only. It must not be made available to any client and any information in it must not be communicated to any client. This page provides an overview or summary only and it should not be considered a comprehensive statement on any matter or relied upon as such. This information does not take into account your clients’ personal objectives, financial situation or needs and so you and your clients should consider its appropriateness, having regard to these factors before acting on it.
This page may contain material provided by third parties derived from sources believed to be accurate at its issue date. While such material is published with necessary permission, the Westpac Group accepts no responsibility for the accuracy or completeness of, nor does it endorse any such third party material. To the maximum extent permitted by law, we intend by this notice to exclude liability for this third party material.
Asgard Personal Protection Package (APPP) is issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM). Australian Group Insurances Pty Ltd ABN 97 140 572 434 AFSL 379565 (AGI) is the Administrator of APPP. Priority Protection for Platforms Investors is issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043, (AIA Australia) and is also the insurer for APPP under a Master Policy held by BTFM. Accelerated Protection and Protection Plans are issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life).