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FAQs

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Getting covered

Are the premiums tax deductible?

How do I get cover?

What are my payment options?

What happens if I have an existing medical condition?

When will my cover commence?

When will my premiums commence?

Who is eligible to apply for cover?

Who is the cover issued by?

Who owns the cover?

Will I have to undergo a medical?

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Call 1800 006 776

Benefits explained

How does the Living Benefit work?

I'm self-employed. Does the Unemployment Benefit apply to me?

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Call 1800 006 776

Got cover

Can I cancel the policy?

Can I change my sum insured?

Can I remove one person from a joint policy?

Can the insurer cancel the policy at any time?

Does my sum insured decrease with my loan?

How do I update my details?

If I pay out my loan, can I keep my policy in force?

I'm a smoker now. Will my premium change if I stop smoking?

Who will be the beneficiaries?

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Call 1800 006 776

Claims

How do I make a claim?

If my unemployment claim is successful, what happens to my policy?

What if I have other insurance policies and need to make a claim?

Who is responsible for paying a claim?

Loan Protection Plan is jointly issued by Hannover Life Re of Australasia Ltd ABN 37 062 395 484 (Death, Terminal Illness, Living and Accidental Injury Benefits) and QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (Involuntary Unemployment Benefit). It is distributed by Australian Life Insurance Distribution Pty Ltd ABN 31 103 157 811 AFSG 226403 (ALI). ALI receives commission for each policy sold. Any advice provided is of a general nature only and does not take into consideration your personal objectives, financial situation or needs. You should consider the Product Disclosure Statement when deciding if this product is appropriate for you.