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LIFE PROTECT INSURANCE

Look after your loved ones financially if you’re diagnosed with a terminal illness* or pass away.

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WHY CHOOSE HCF LIFE PROTECT INSURANCE?

HCF Life Protect Insurance is designed to help you look after your family if you’re no longer able to.

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Cover up to $1.5 million^

Get up to $1.5 million^ if you’re diagnosed with a terminal illness* or pass away.

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Cash payment of $15,000+

Get an advance payment to help cover immediate expenses like funeral costs.

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Access support services

Get access to 24/7 grief counselling and support like legal advice and funeral assistance^^.

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HCF members save 10%

Eligible HCF members get a 10% discount# on Life Protect premiums.

DO I NEED LIFE PROTECT INSURANCE?

If you pass away or are diagnosed with a terminal illness*, Life Protect Insurance helps take care of the costs, leaving your family with one less worry.

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Supporting a family

Protect your family by helping with living expenses in the short term and as the kids grow up.

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Owning a home

Help pay off the mortgage on the family home, or cover rent payments and maintenance costs.

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Managing debt 

Take care of any outstanding debts like car or personal loans, education fees or credit card debt.

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Peace of mind

Rest easy knowing you and your family have a financial safety net if the unthinkable happens.

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DESIGNED FOR MEMBERS. AWARDED BY THE INDUSTRY.

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Mozo Experts Choice Award for Exceptional Value Income Protection, 4 years running (2022 to 2025).

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Recognised at the 2024 Finder Customer Satisfaction Awards as Most Trusted Brand in the Direct Life Insurance category.

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WeMoney’s award Best for Income Protection Insurance (Direct), 3 years running (2022 to 2024).

FIND COVER THAT’S RIGHT FOR YOU

Looking for something else? Explore our other life insurance and Recover Cover products and find cover that’s right for you.

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Income Protect Insurance

Pays you a monthly benefit for up to 12 months** if you can’t work due to illness or injury.

Learn more
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Critical Illness Cover

Helps ease the financial strain of serious illness so you can focus on recovery.

Learn more
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Personal Accident Insurance

Helps with the unexpected costs of recovery from injuries caused by an accident.

Learn more
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Cash Back Cover

Pays cash to help with the costs of recovery like extra rehab, taxis or help around the house.

Learn more

NEED MORE INFORMATION ABOUT LIFE PROTECT INSURANCE?

Answers to commonly asked questions to help you make the right choice.

It’s hard to think about planning for your family’s future if you’re no longer around, when you still have so much life to live. But there are moments that make you realise the importance of protecting the life you love.

Life insurance provides a direct payment to you in the event you’re diagnosed with a terminal illness*, or your estate if you pass away (it’s also known as death cover). It means your family has financial support to continue living the life you planned.

Life insurance, life protection insurance and death cover are all names for insurance that provides financial support to your loved ones in the event of your death. Just like life insurance, term life insurance, death cover pays out a lump sum of money to the people you nominate as beneficiaries in your will.

Life Protect Insurance covers you if you die or are diagnosed with a terminal illness of less than 24 months’ life expectancy.

Depending on your age and level of cover, Life Protect Insurance can provide:

  • from $100,000 up to $1.5 million^ in the event of death or terminal illness*
  • an advance payment of $15,000 that can be used for living expenses, bills or funeral costs while we assess your claim+.

Life Protect is available to permanent Australian residents aged 18 to 65, with cover expiring at age 99.

For full terms and conditions, read the Life Protect Insurance PDS.

Certain events are not covered by Life Protect Insurance, which means claims are not payable for these events. Exclusions for Life Protect Insurance include:

  • suicide within 13 months of the commencement date, or within 13 months of your policy being reinstated
  • acts of war, whether declared or not, hostilities, civil commotion, terrorism or insurrection
  • any special conditions agreed with you after your health and lifestyle assessment. These conditions will be detailed in your policy schedule.

For full terms and conditions, read the Life Protect Insurance PDS.

Your Life Protect Insurance premium changes each year on your policy anniversary date. It will generally increase over time, with increases typically getting larger as you get older.

Your premium is based on factors like:

  • age
  • gender
  • smoking status
  • insured benefit amount
  • inflation
  • health and lifestyle factors as assessed at the time of application.

You can increase your cover amount for certain life events without needing another health and lifestyle assessment++.

Get an initial quote in under 3 minutes and buy your cover online, or call our friendly experts on 1800 560 855 if you need any help.

For full terms and conditions, read the Life Protect Insurance PDS.

To make a Life Protect Insurance claim, you can call us on 13 13 34 or email us at lifeclaims@hcf.com.au and we’ll provide you with a claim form to complete and return to our claims team to assess. Most claims are paid in less than 10 days (once we get the information we need).

It’s hard to think about planning for your family’s future if you’re no longer around, when you still have so much life to live. But there are moments that make you realise the importance of protecting the life you love.

Life insurance provides a direct payment to you in the event you’re diagnosed with a terminal illness*, or your estate if you pass away (it’s also known as death cover). It means your family has financial support to continue living the life you planned.

Life insurance, life protection insurance and death cover are all names for insurance that provides financial support to your loved ones in the event of your death. Just like life insurance, term life insurance, death cover pays out a lump sum of money to the people you nominate as beneficiaries in your will.

Life Protect Insurance covers you if you die or are diagnosed with a terminal illness of less than 24 months’ life expectancy.

Depending on your age and level of cover, Life Protect Insurance can provide:

  • from $100,000 up to $1.5 million^ in the event of death or terminal illness*
  • an advance payment of $15,000 that can be used for living expenses, bills or funeral costs while we assess your claim+.

Life Protect is available to permanent Australian residents aged 18 to 65, with cover expiring at age 99.

For full terms and conditions, read the Life Protect Insurance PDS.

Certain events are not covered by Life Protect Insurance, which means claims are not payable for these events. Exclusions for Life Protect Insurance include:

  • suicide within 13 months of the commencement date, or within 13 months of your policy being reinstated
  • acts of war, whether declared or not, hostilities, civil commotion, terrorism or insurrection
  • any special conditions agreed with you after your health and lifestyle assessment. These conditions will be detailed in your policy schedule.

For full terms and conditions, read the Life Protect Insurance PDS.

Your Life Protect Insurance premium changes each year on your policy anniversary date. It will generally increase over time, with increases typically getting larger as you get older.

Your premium is based on factors like:

  • age
  • gender
  • smoking status
  • insured benefit amount
  • inflation
  • health and lifestyle factors as assessed at the time of application.

You can increase your cover amount for certain life events without needing another health and lifestyle assessment++.

Get an initial quote in under 3 minutes and buy your cover online, or call our friendly experts on 1800 560 855 if you need any help.

For full terms and conditions, read the Life Protect Insurance PDS.

To make a Life Protect Insurance claim, you can call us on 13 13 34 or email us at lifeclaims@hcf.com.au and we’ll provide you with a claim form to complete and return to our claims team to assess. Most claims are paid in less than 10 days (once we get the information we need).

Have another question? Head over to our Recover Cover FAQs to find more answers.

Looking for something else?

If you can’t find what you’re looking for, our team are ready to help and guide you in the right direction.

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Call us

Have a question? Call our friendly team of Recover Cover specialists on 1800 560 855 , Monday to Friday, 8am to 8pm (AEST) and Saturday, 9am to 5pm (AEST).

Call the team today
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Make a claim

Our claiming process is fast and easy, and most of our claims are paid in less than 10 days (once we get the information we need).

Find out more

Important Information

HCF Life Protect and Recover Cover products are issued by HCF Life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life) and arranged by The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF), which wholly owns HCF Life. HCF and HCF Life do not provide any advice based on any consideration of your objectives, financial situation or needs. Policy terms, conditions, limits and exclusions apply. Before making a decision, please consider the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo. The relevant Target Market Determination is available is also available at hcf.com.au/lifeinfo. The premiums for HCF Life Protect and Recover Cover products are paid to HCF Life. HCF receives commission from HCF Life for their sale of up to 40% of the first year's premium plus an additional commission of 80% of HCF Life's underwriting profit each year calculated as premiums less claims and expenses. HCF's staff may receive an incentive depending on the annual premium of these products which they sell. This will not exceed 15% of the first year's premium.

* Less than 24 months’ life expectancy. Subject to conditions, exclusions and limitations. Please refer to the PDS and Policy Document for further information.

^ This is the maximum benefit amount depending on your age and level of cover.

+ Payment of the advance payment is subject to satisfactory proof of death and cover and does not mean your claim for the death benefit is approved. The advance payment will be subtracted from the total Insured Benefit and the balance remaining will be payable on settlement of the death claim. Please refer to the PDS and Policy Document for further information.

# To be eligible for a 10% saving, HCF members must have HCF hospital or extras cover. Excludes Ambulance Only and Overseas Visitors Health Cover. If more than one discount is available, they will be applied in a predetermined order. Offer is subject to change.

** Payment is subject to offsets including any amounts payable from your employer or superannuation fund, is limited to 12 months and a maximum benefit of $10,000 per month and is subject to other conditions, exclusions and limitations. Please refer to the PDS and Policy Document for further information.

^^ Available services include legal and tax professionals, tradespeople, home help and funeral assistance services. Your initial consultation with a legal or tax adviser will be free. You’ll be responsible for fees associated with additional legal and tax consultations, any for other service providers. For home help, we may also be able to recommend government funded organisations that offer fee free services.

++ Subject to conditions, exclusions and limitations. Please refer to the PDS and Policy Document for further information.

Life Insurance Code of Practice

HCF Life is bound by the 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 CALI Life Insurance Code of Practice.

HCF acknowledges the traditional custodians of the lands and water upon which we work and live. We acknowledge Aboriginal and Torres Strait Islander peoples’ rich history as traditional healers and scientists, who have taken care of the health of the land and its people for thousands of years. We give thanks to elders past and present, who we have much to learn from on our reconciliation journey. View our Reconciliation Action Plan