Accidental Death Insurance

Accidental Death Insurance Image

PLAN FOR THE UNEXPECTED

With easy and affordable cover.

It’s an unfortunate reality that people die in accidents every day. In fact, in 2009 in Australia, accidents claimed around 130 lives every week*. Our Accidental Death Insurance is a great way to safeguard your family if you do have a fatal accident – with a lump sum benefit that can help see them through the worst.

Benefits at a Glance


  • 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 aged 18 to 50).
  • Easy - If you’re an Australian resident aged 18 to 69, you can get Accidental Death Insurance online or over the phone in minutes, and you’re guaranteed cover with no medical tests.
  • Straightforward claims process - If you or your family needs to make a claim, we make the process as stress free as we can, with personal attention from an experienced Claims Manager.
  • Free easy to use Will Kit that could save your family from unnecessary stress and legal fees
  • 30 day money back guarantee
  • Enjoy 12 months for the price of 11 when you choose to pay your premiums annually.

Optional Extras


  • Family discounts – receive a discount when you add your partner to your policy.

Exclusions & Restrictions


  • Claims that are the result of participation in unlawful activity, acts of war, undertaking a dangerous occupation or dangerous pursuits, self-injury or suicide, sickness, medical or surgical treatment, the taking of intoxicating liquor or drugs other than as prescribed. Please see our Combined Product Disclosure Statement (PDS) & Financial Services Guide (FSG) for full details on what is and isn’t covered.

Want to know more about this product?

Download our Combined Product Disclosure Statement (PDS) & Financial Services Guide (FSG).

  • Common Questions

    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 Accidental Death Insurance.

    For anything else, call us on 13 77 87 or read the Accidental Death Insurance Combined Product Disclosure Statement (PSD) and Financial Services Guide (FSG).

    • What’s covered and what’s not?

      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.

      With 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 an unprovoked violent attack, or if more than one person on your policy dies from the same accident.

       

      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 intoxicating 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), motorcar 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.


      You should read the Combined Product Disclosure Guide (PDS) and Financial Services Guide (FSG) for full details of what is covered and what is not.

    • 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 our 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 our Accidental Death Plan, 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 a 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 our Accidental Death Plan? Request a Quote or call 13 77 87 today.

  • How does it work?

    Accidental Death Insurance pays a lump sum benefit if you die as a result of an accident.

    With our 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%.

    Want to know more about our Accidental Death Plan? Request a quote or call 13 77 87 today

  • Is it for me?

    It’s an unfortunate reality that people die in accidents every day. In fact, in 2009 in Australia, accidents claimed around 130 lives every 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 request a quote in a matter of minutes online or over the phone.

    Want to know more about our Accidental Death Plan? Request a quote or call 13 77 87 today

  • How much can I get?

    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, our Accidental Death Plan can provide a safety net for your family if you were in a fatal accident.

    Want to know more about our Accidental Death Plan? Request a quote or call 13 77 87 today

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