Asteron Lifeguard® enhancements - new features and benefits


Asteron Lifeguard® isn't just life insurance. It's personalised protection for your income, debts and lifestyle. So if you ever get sick or injured, you've got a financial back-up plan for your family.

Our Asteron Lifeguard® product range has just been updated to provide you with new benefits and features.

At claim time

To make the claims process as professional, empathetic and as easy as possible, we've developed a claims kit which outlines our simple 4 step claims process along with details about the support services available.

We pay the full amount for terminal illness diagnosis under Life Cover

Asteron Lifeguard® will generally pay your full Life Cover benefit, less any previous payments if you are diagnosed as terminally ill in accordance with policy terms. For example: if your Life Cover Benefit sum insured is $3,000,000 and no payments have been made at the time of a terminal illness claim we may pay $3,000,000 and then the policy would cease.

For medical professionals - a complete solution

If you have recently joined as a specialist medical professional such as a doctor, dentist, pharmacist or optometrist you may receive, subject to the applicable eligibility rules, a minimum amount of cover in an Asteron Lifeguard® policy.*

This will make obtaining cover easier as you don't need to provide evidence of your current earnings, which can sometimes be a challenge when starting out in a new career.

Asteron Lifeguard® also offers protection for medical professional against risk for blood-borne diseases (including HIV and Hep B & C).

More information

To find out more about how the Asteron Lifeguard® product range can protect you and your family, contact your adviser or Asteron on 1800 221 727 or refer to the Asteron Lifeguard® Product Disclosure Statement.

* Mandatory medical and financial evidence waived but the application is subject to underwriting and disclosures on personal statement.

Important note

This information is current as at November 2008 but may be subject to change. Any advice contained in this document has been prepared without taking into account your objectives, financial situation, or needs. For that reason, before acting on this advice, you should consider the appropriateness of this advice having regard to your own objectives, financial situation and needs. You should obtain, read and consider the Product Disclosure Statement for the Asteron Lifeguard Product issued by Asteron Life Limited (ALL) ABN 64 001 698 228 AFSL 237903 and Suncorp Portfolio Services Limited (SPSL) ABN 61 063 427 958 ASFL 237905 RSE Licence No. L0002059 before making any decision about whether to acquire the product.

ALL and SPSL are subsidiaries of Suncorp-Metway Limited ABN 66 010 831 722 (Suncorp). The obligations of ALL and SPSL are not guaranteed by any other company in the Suncorp Group. Except as otherwise stated, Suncorp and its subsidiaries do not guarantee the repayment of capital invested in or the investment performance of this product. This product is not a bank deposit or other bank liability and is subject to investment risk including possible delays in repayment and loss of interest and principal invested.

< Back

Asteron Life™ is committed to providing customers with long term financial security. We provide life insurance products including Income Protection Covers, Trauma Cover, Total & Permanent Disablement (TPD) Cover, Life Cover and Business Expenses Cover. To obtain a copy of our privacy statement, please contact us on 1800 221 727 or visit the following website to view or download the policy.

Asteron supports and adheres to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. Download the Code here. For more information contact the Financial Services Council on (02) 9299 3022 (local call cost), email or visit

© Asteron Life & Superannuation Ltd ABN 87 073 979 530 (Asteron). Registered Office, Level 16, 363 George Street, Sydney NSW 2000

Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Suncorp Portfolio Services Limited ABN 61 063 427 958, AFSL 237905, RSE Licence No L0002059 (SPSL or Trustee) is part of the Suncorp group of companies (Suncorp). SPSL is a related body corporate of Suncorp Group Limited ABN 66 145 290 124 and Suncorp-Metway Limited ABN 66 010 831 722 (Suncorp Bank) (Suncorp). This product is not a bank deposit or other bank liability of the Suncorp Bank. The obligations of the different entities of TAL and Suncorp are not guaranteed by other entities