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Product details of our Business Protection Life or Critical Illness Cover

Find out how your clients can tailor their cover to suit their business protection needs.

We can’t predict the future, so if your clients’ business needs change, for example as their profits grow or if they take out a larger business loan, they can amend their cover to reflect these changes.

Children's Critical Illness Cover

When your clients take out Life or Critical Illness Cover, they can choose to add the level of Children's Critical Illness Cover to suit their needs and budget. They can also change or remove their Children's Critical Illness option at any time during the term of their plan.

  • Enhanced Children's Critical Illness Cover - our most comprehensive option, it provides protection from pregnancy to young adulthood, and also automatically includes a Children’s Critical Illness Cover Conversion Option
  • Standard Children's Critical Illness Cover - cover for all our main critical illness conditions plus total permanent disability. An option for clients who want some protection for older children, or who may be more cost conscious.

Find out more about our Children's Critical Illness options

We won't pay a claim if:

  • The claim is for death and it's the result of intentional self-inflicted injury within 12 months of the date the cover started, or
  • The claim is for terminal illness and the person covered doesn't meet our definition of terminal illness, or
  • The claim is for critical illness, terminal illness or total permanent disability and it's the result of intentional self-inflicted injury, or
  • The claim is for critical illness or total permanent disability and the person covered doesn't meet the definition of critical illness or total permanent disability, or
  • It’s the result of an exclusion shown on the cover summary.

Terms and conditions 

For full terms and conditions, see our Business Menu Life or Critical Illness Cover Plan Details (PDF).