Smart Term Insurance

The quick easy way to protect yourself

Cover from
3.45 *

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

Get a quote

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.

Cover benefits and details

More details

Claims paid

Paying claims is our promise to you. Our team understands that claim time is a difficult time for our customers and that’s why we will work with you to make the process as simple and easy as possible.


Our experienced claims team will guide you through the process to ensure your claim is processed quickly and efficiently.


With thousands of claims paid every year, HCF Life stands by its customers when they need it most.

  • 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.

Frequently asked questions

 
Am I covered outside of Australia?

Yes, you are insured anywhere in the world.

Can I nominate a beneficiary for my Smart Term Insurance policy?

HCF Life does not take nomination of beneficiaries and the proceeds of your policy will be paid based on your last will and testament.

Can I still apply for Smart Term Insurance if I already have a life insurance policy with another insurance company?

Yes, HCF Life will pay the sum insured on your Smart Term Insurance policy even if you have other life insurance policies.

An easy way to apply

Select your product and get a quote

 

Get a quote in less than 2 minutes on the product that suits your needs best. With a range of covers you are sure to find the cover that will protect you in the event of illness or accident

Apply online

Cover is easy to apply for with no blood tests or medicals and no lengthy questionnaires. In fact you could have cover in less than 5 minutes!

Cover for the family

Need to cover more than 1 person? Take advantage of our family cover options which cover all qualifying family members on your health policy for one low cost!

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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.