Empty Nesters

Protection for older Australians

Cover from
3.15 *

*Based on single cover for $25,000 cover level (Personal Accident Insurance)

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Apply online and get one month free**

**The free month applies to all HCF Life products purchased online and comes into effect at the start of the insurance period.

You've worked hard your whole life to secure your family's future and now as you approach retirement, you need to protect what you've built.

HCF's low-cost Life Insurance products can help you quickly and easily secure the financial future of your loved ones.


There are no medical tests or questionnaires and applying is easy. Click here to view the PDS & FSG

Recommended covers for empty nesters

Cover from
3.15 per Week *

*Based on single cover for $25,000 cover level

Personal Accident Insurance

Pays a benefit for listed injuries including fractures and burns and up to $50,000 for accidental death. Only available to applicants aged 55–74.

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Smart Term Insurance

Pays up to $500,000 on death or diagnosis of Terminal Illness. Includes $10,000 Funeral Benefit.

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Cover from
3.45 per Week *

*Per person based on male or female, aged 18-40 non-smoker with $100,000 cover

Cover from
2.00 per Week *

*Based on single cover

Cash Back Cover

Pays $5,000 for accidents requiring surgery, or for a number of serious illnesses.

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Protect your lifestyle

How would you care for yourself and your family if you had an accident or became ill? HCF Life Insurance ensures you will have money to help pay bills and support your loved ones if something prevents you from earning an income.

Need to cover more than one person? If you have an HCF Family Health policy, you can take advantage of our family cover options, which protect all eligible family members for one low price.


Covers the expenses health insurance doesn’t

Health insurance covers hospital treatments, but not many of the other costs of getting sick or injured. HCF’s Life Insurance products can help pay for expenses not usually covered by health insurance, such as gap payments, time off work, scans and tests, and travel for medical purposes.


Efficient claim processing

HCF Life stands by you when you need help. We paid more than 4,900 claims over the last 3 years* and received a consistently high satisfaction rating from our members.


We understand that making claims can be difficult when you’re under stress. That’s why we make the process as simple as possible. Our experienced claims team will guide you through every step to ensure your claim is paid quickly and efficiently.

*Based on HCF Life claims from 1 January 2012 to 31 December 2014.


Life Insurance Code of Practice

HCF Life is a member of the Financial Services Council and we are bound by its Life Insurance Code of Practice which sets out the Australian life insurance industry’s key commitments and obligations to customers. Further information is available at www.fsc.org.au.


Claims paid

We understand that claim time can be stressful for our members, that's why our promise
to you is to handle your claim sensitively yet efficiently.

HCF is committed to paying claims to our members quickly and that is why we have over 4,900 satisfied claimants in the last 3 years*.

*Based on HCF Life claims from 1 January 2012 to 31 December 2014.

  • Claim stories

    Joan

    "Joan loves life and is a busy 65 year old"...

    Joan loves life and is a busy 65 year old. She was in a hurry the day she slipped and fell in the shower. Despite experiencing strong pain in her back, Joan continued on with her regular activities.

    A few days later, the pain had still not subsided and Joan went to see her doctor. X-rays revealed she had fractured vertebrae in her spine and required treatment.

    Joan had an HCF Life Personal Accident policy, which is specifically designed to cover accidents for those aged 55 years and over. Joan received a payment of $1,000 from her policy and was free to use this money for whatever she wanted, for example, to help pay for medical costs not covered by her health insurance or for help around the home until she completely recovered.

    These stories reflect real-life situations and HCF Life claims. The names and some details have been changed to ensure anonymity.
  • Claim stories

    Jim

    "As a farmer, Jim worked hard his whole life to provide for his family"...

    As a farmer, Jim worked hard his whole life to provide for his family. He loved working on the land and his active lifestyle kept him fit and healthy.

    Jim wasn’t feeling well, went to see his doctor and was diagnosed with pancreatic cancer. After his diagnosis, his health deteriorated rapidly and sadly he died a few months later.

    Fortunately, Jim had taken out a Smart Term insurance policy to protect his family should anything happen to him. His family received a payment of $100,000, which allowed them to cover the costs of his funeral and settle any debts that he left behind.

    These stories reflect real-life situations and HCF Life claims. The names and some details have been changed to ensure anonymity.
  • Claim stories

    Ron

    "Ron was a proud father of three children under six, the youngest of whom was three months old"...

    Ron was a proud father of three children under six, the youngest of whom was three months old.

    After enjoying a family holiday in Western Australia, Ron was driving the long journey home when the family car was hit by another car. Ron was killed instantly in the collision.

    Ron liked to think ahead and had purchased an HCF Life Smart Term Insurance policy to provide for his wife and kids in case anything happened to him. Ron was insured for $300,000, but as his death was the result of an accident, the benefit was doubled and the family received $600,000.

    Ron's legacy to his family meant they were free to pay off their mortgage and any other outstanding debts, and help secure their financial future.

    These stories reflect real-life situations and HCF Life claims. The names and some details have been changed to ensure anonymity.

Cover for every stage of life

As your life changes, so do your needs and lifestyle. You start working, take up new hobbies and maybe even start a family. The kind of protection you need will change as you get older and your financial responsibilities change.


We have life insurance products to cover everyone from young singles to families and retirees. To find the best covers for your lifestyle, simply select your life stage below.

HCF Life Insurance products are issued by HCF Life Insurance Company Pty Limited (ABN 37 001 831 250, AFSL 236 806). Before you apply, you should read the relevant Product Disclosure Statement and Financial Services Guide, available by clicking the link on each product above, and consider if the relevant cover is appropriate for your objectives, financial situation or needs, as the information we have provided does not take these into account.