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Invest in your own future and security with BT Protection Plans

Comprehensive range of life insurance solutions to protect you from the financial effects of injury, illness, permanent disability and death
Flexible choices for a fully tailored insurance solution
Provides peace of mind knowing you have plans in place to protect yourself and your loved ones
Affordable wide-ranging insurance to suit any lifestyle

Don’t get caught out saying ‘it won’t happen to me’

Insurance is all about protecting the things and people that matter if you aren’t in a position to do so yourself. It provides real help when you need it, if you get hurt and can’t work, become disabled, or worse, you lose your life. It’s at that life-changing point in time you’ll want the reassurance that you and your family will be looked after.

Unfortunately Australians are chronically under-insured when it comes to our more precious assets of all – ourselves. 

An insurance payout can make a huge difference to the immediate wellbeing and future comfort of those you love. In the event of something happening to you, your insurance payouts can be used to:

  • Clear debts
  • Pay for funeral expenses
  • Invest to generate replacement income
  • Cover childcare costs for dependants
  • Pay medical expenses
  • Pay for medical rehabilitation
  • Pay for home medications
  • Make any necessary lifestyle changes.

How BT Protection Plans can work for you

BT Protection Plans provide a comprehensive range of insurance solutions that offer protection for a wide range of situations. You can tailor the policy to your individual needs. This includes deciding who is to own the policy, how to structure the payment options and which premium options you choose.

Cover Benefit
Term Life Insurance Pays a benefit in the event of death or on diagnosis of a terminal illness.
Living Insurance Pays a benefit if the Insured Person suffers from one of a range of specified medical events such as cancer, a heart condition or loss of a limb.
Total and Permanent Disablement (TPD) Insurance  Pays a benefit if the Insured Person is unlikely to work again, perform household duties again, or suffers a loss of ability due to a permanent disability.
Income Protection and Income Protection Plus Income Protection and Income Protection Plus replaces up to 80% of the Insured Person’s monthly income if they are unable to work.
Business Overheads Provides funding for allowable business expenses if the Insured Person is unable to work in their business because of sickness or injury.

Making an insurance claim can be daunting. That’s why we do everything we can to help you through the process with a Claims team that is here to streamline the process for you.

Call 132 135, 8:30am - 5:30pm, Mon-Fri (Sydney and Melbourne time) to start your claim and we will guide you through every step.

Important information

The Insurer of BT Protection Plans is Westpac Life Insurance Services Limited ABN 31 003 149 157, AFSL Number 233728 (‘the Insurer’).

BT Protection Plans is issued by the Insurer except for Term Life as Superannuation and Income Protection as Superannuation which are issued by BT Funds Management Limited ABN 63 002 916 458, AFSL Number 233724 ('BTFM') as trustee of the Retirement Wrap ABN 39 827 542 991. Westpac Life is a subsidiary of Westpac Banking Corporation (Bank). Neither the Bank, nor any member of the Westpac Group (other than the Insurer) guarantees the benefits payable in relation to BT Protection Plans.

This information does not take into account your personal circumstances. Terms and conditions, and limitations and exclusions apply.

Read the BT Protection Plans Disclosure Statement (‘PDS’) (PDF 1MB) to see if this insurance is right for you.

The St.George Privacy Statement is available here (PDF 222KB).