Accidental Death

Every week accidents claim around 130 lives across Australia*. No matter how careful you are you can’t always see what’s around the corner. The Accidental Death Plan is an easy and affordable way to provide a lump sum benefit – from $100,000 to $400,000 – which is paid to your family if you are in a fatal accident. It’s your way of providing your family with a financial safety net to take care of them when tragedy strikes.

*Australian Bureau of Statistics (2009): Injuries and Deaths due to External Causes.

Benefits at a glance:

  • No medical tests required, and guaranteed cover for Australians aged 18 to 69.
  • A tax-free payout of up to $400,000 if you die as the result of an accident.
  • Affordable premiums that do not increase because you get older – starting from just $2.31 per week for $100,000 cover for women age 18 to 50.
  • Discounts available when you cover your partner or if you pay annually.
  • FREE easy to use Will Kit that could save your family from unnecessary stress and legal fees

The Accidental Death Plan pays a lump sum benefit to your family if you were to die as a result of an accident.

With an Accidental Death Plan, you choose the cover amount you need, from $100,000 to $400,000. If you die in an accident, or from injuries sustained in the accident, we’ll pay the cover amount. If death is due to an unprovoked violent assault, or two people on the same policy die in the same accident, your payout will increase by 50%.

Great reasons to take out Accidental Death Insurance:

We’ll help protect your family.

If you die as a result of an accident, we’ll pay your chosen benefit amount as a tax-free payout of up to $400,000, and you’re covered from day one. If your death is from an unprovoked violent assault, or more than one person covered by the policy dies in the same accident, we’ll pay an additional 50% of your chosen benefit amount.

We’ll give you choice.

Choose your cover amount, then choose from a range of flexible payment options to work within your budget.

We’ll make things easy.

If you’re an Australian resident aged 18 to 69, you can get the Accidental Death Plan online or over the phone in minutes, and you’re guaranteed cover with no medical tests. There’s even a 30 day money back guarantee.

We’ll speak in plain English.

We’ll explain everything clearly with no jargon whatsoever, so you’ll know exactly what’s covered and what isn’t.

We'll be there when you need us most.

If you ever need to make a claim, we make the process as stress free as we can.

Want to know more about the Accidental Death Plan? Read the Accidental Death Plan Product Disclosure Statement, call 13 77 87, or get a quote today.

Accidents can strike at any time and in Australia, accidents claim around 130 lives each week.* So while you can’t always predict the future, we can help you secure financial security for your loved ones if the worst were to happen.

If you have dependents who need to be taken care of, or debts your beneficiaries may need to pay if you weren’t there, then accidental death insurance could be for you.

All Australians aged 18 to 69 are guaranteed cover with no health questions or medical tests.

With flexible payment plans, including fortnightly and monthly payments on a date you choose, it’s easy to afford and easy to get. You can get cover in a matter of minutes online or over the phone.

*Australian Bureau of Statistics (2009): Injuries and Deaths due to External Causes

To find out more about the Accidental Death Plan and whether it’s right for you, call us on 13 77 87, or read the Accidental Death Plan Product Disclosure Statement.

You can apply for up to $400,000 in cover. How much you choose is up to you, and will depend on the amount you think your family might need. Remember, whatever you choose, we’ll pay 50% more if you die from an unprovoked assault, or if more than one person on your policy dies in the same accident.

With flexible fortnightly or monthly payments, the Accidental Death Plan can provide a safety net for your family if you were in a fatal accident.

Want to know more about an Accidental Death Plan? Call 13 77 87 or get a quote today.

At InsuranceLine, we'll answer all of your questions in plain English, so you know exactly where you stand.

Here you can find answers to the most common questions we get asked about the Accidental Death Plan. For anything else, call us on 13 77 87 or read the Accidental Death Plan Product Disclosure Statement.

What’s covered and what’s not?
With the Accidental Death Plan, from day one, you’re covered for:

  • Your chosen benefit amount for Accidental Death.
  • 150% of your chosen benefit amount if you die from a non-provoked violent attack, or if more than one person on your policy dies from the same accident.

Accidental Death is where death is caused solely by violent, accidental and external, and visible means, and which occurs within 365 days of the event. It does not include death by natural causes or sickness.
There are some situations in which we won’t pay an accidental death claim. These include where the death is caused by:

  • Actual or attempted self-injury or suicide
  • Taking intoxicated liquor or drugs (other than prescribed medications that are taken correctly)
  • Taking part in criminal activity
  • War, hostilities or war-like operations, civil commotion, civil war or rebellion (but terrorism is covered)
  • Time spent in a country where the Australian Government has advised against all travel
  • A dangerous occupation (such as test pilot, explosives worker, underground miner, bomb disposal worker, or window cleaners above 20m)
  • Dangerous pastimes including professional sports, hang gliding, underwater diving (beyond 30 metres), motor car or motorcycle sports, speed contests, skydiving, parachuting and flying in an aircraft (other than as a fare paying passenger, or as aircrew on a licensed plane) and more.

Talk to us to find out more.

When does my cover end?
As long as you continue to pay your premiums, your cover continues until you turn 70. On that date, your policy and cover will end, and you will no longer be covered.

Can I get cover at any age?
Australian residents aged 18 to 69 are guaranteed cover under the Accidental Death Plan. Once accepted, your policy and cover can continue until the renewal date following your 70th birthday.

Will my premiums go up?
We work hard to give everyone great value insurance, but we can’t guarantee that premium rates won’t ever increase. You can be confident that we keep increases to a minimum, and we’ll give you at least 30 days' notice of any changes.

You won’t be singled out for an increase, with any increases applied to everyone in your category. And, because accidents can happen to anyone, your premiums won’t go up just because you get older.
Your premiums will go up if you add another person to your policy or increase the cover amount. If you choose our inflation protection option, your level of cover will grow over time, protecting the value of your payout against inflation. That means your premiums may also rise slightly from year to year, in line with your increased benefit amount.

What happens if I can’t pay my premiums?
Let us know immediately if you can’t pay a premium so we can help you work out an alternative arrangement. Your cover will cease if your premiums are more than 30 days overdue and you will lose this valuable benefit.

If I cancel my policy, will I get a refund?
When you take out the Accidental Death Plan from InsuranceLine, we give you a 30 day money back guarantee - so if you cancel your policy in the first 30 days, we’ll give you a complete refund.
After that, there are no refunds. Your policy simply gives you accidental death insurance cover - it is not a savings plan.

Who will my family be dealing with during my claim?
Your family will be given a dedicated Claims Manager whose details will be on the accompanying cover letter that we’ll send in the event of a claim. They will personally oversee the case and help your family work through the details of the claim.

The dedicated Claims Manager will explain anything that is not covered or talk through any concerns your family may have.

Want to know more about an Accidental Death Plan? Call 13 77 87get a quote today.


When should I take out life insurance?

There are some main life events that should encourage you to take out life insurance.