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Quick Cover

Simple, affordable life insurance with guaranteed acceptance

  • Quick Cover is affordable life and terminal illness cover with the convenience of a fixed monthly premium
  • Pays a lump sum benefit of up to $450,000 if you die or are diagnosed with a terminal illness
  • Affordable fixed premium of just $30 per month for the life of the policy
  • Guaranteed acceptance for customers aged 18-55
  • Easy application process with no medical exams

Life insurance cover

  • Quick Cover pays a lump sum benefit of up to $450,000 to your family if you die, or to you if you are diagnosed with a terminal illness

Cash lump sum

  • Pays a cash lump sum benefit which can be used to pay off a home loan, medical bills and general expenses

Fixed premium

  • Affordable fixed premiums of $30 per month or $330 per annum for the life of the policy, including all taxes and fees

One month free

  • Receive one month free if you pay an annual fee of $330 in advance

Guaranteed acceptance

  • Guaranteed acceptance to customers aged 18-55 years if resident in Australia or New Zealand

Straight-forward insurance

  • Your premium stays the same, and the amount of cover varies each year as you get older

Easy to apply

  • No medical exams
  • Takes just minutes to apply

Easy payment

  • Pay monthly or annually in advance via credit card or direct debit

Help when it is needed most

Research shows that 60% of families with dependants would run out of money within one year of the death of the primary income earner1

Life insurance provides financial protection for your dependants by providing a lump sum if you should die, or be diagnosed with a terminal illness. A lump sum benefit can be used to pay off debts such as a home loan or medical bills and to help with your grieving family’s living expenses.

Two examples of how Quick Cover can help in times of need2

John, a non-smoker, bought Quick Cover in 1999 when he was 26 years old, with a sum insured of $310,000. After 10 years, John dies in a car accident in 2009 when he is 36 years old. His wife Sally is paid a lump sum of $330,000. Sally can use these funds to provide a stable financial future for herself and her children, without the income previously provided by John.

Kate, a smoker, bought Quick Cover in 2006 when she was 27 years old, with a sum insured of $280,000. In 2010, Kate is diagnosed with breast cancer and told she has six months to live. At this time, she is paid out a lump sum of $280,000. She uses these funds to pay for medical bills, take a final holiday with her family and organise a nanny and housekeeper. Kate takes comfort knowing her family will be cared for after her death.

Affordable, easy and simple protection

For a fixed premium of only $30 a month, or $330 per year, Quick Cover provides you with life and terminal illness cover.

Your premiums will not change. Instead, each year the amount you are insured for (the ‘sum insured’) changes as you get older. Your sum insured depends on your age, gender and whether or not you are a smoker.

We will pay a lump benefit of the sum insured should you die or suffer a terminal illness. If you die during the policy period, we will pay the sum insured to your beneficiary. It you are diagnosed with a terminal illness, we will pay the sum insured to you.

Need further information?

It’s important to understand what you are and aren’t covered for. For the policy details, check the St.George Quick Cover PDS and Policy Document

How to apply

The Detail

Quick Cover is issued by St.George Life Limited ABN 88 076 763 936 (St.George Life) and distributed by St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 (St.George). St.George Life is a wholly owned subsidiary of Westpac Banking Corporation (Bank). The policy is not an investment in or deposit with the Bank. Neither St.George, the Bank nor any member of the Westpac Group (other than St.George Life as insurer) guarantees the policy.

This information has been prepared without taking account of your personal objectives, financial situation or needs (your personal circumstances). Because of this you should, before acting on this information, consider its appropriateness, having regard to your personal circumstances. Conditions, limits and exclusions on cover apply, details of which are explained in the Product Disclosure Statement and policy wording (PDS). Before making a decision about these policies, you should obtain and consider the PDS. A PDS can be obtained by downloading it here, calling 1300 287 873 or visiting any St.George branch.

1Rice Warner Actuaries in “New Research Reveals a nation exposed”, 3 August 2005
2Case studies are for Illustrative purposes only. They are case studies of real life examples (names have been altered).