- Comparing insurance types
- Income Protection insurance
- Trauma insurance
- Total & Permanent Disablement (TPD) insurance
- Life insurance (death cover)
- Business Expenses insurance
- Why choose Asteron Life™
- Insurance myths
Asteron Life Complete is our comprehensive suite of life insurance products that can be tailored to suit your needs – allowing you and your family to celebrate life and get more out of every day.
Life Cover through Asteron Life Complete provides you with features and benefits at claim time:
Asteron Life also offers a range of optional extras to help you top up your cover.
$10,000 Premium Free Child Cover#
You can also top up your $10,000 Premium-free Child Cover for just $1 per month for every additional $10,000 of Child Cover - making it an affordable way to cover the whole family.
# Applies to children age 3-21, expiry age 22. See PDS for full details.
Rewards for healthy living
At Asteron Life, we believe in making a positive difference. That’s why we also offer our Healthy Life Option and Healthy Plus Option to reward Australians that live a healthy lifestyle by giving them the opportunity to save on the costs of their insurance premiums.
To qualify for these discount, you must meet key eligibility criteria which include:
Healthy Life Option (HLO)
Our Healthy Life Option provides those on stepped premiums the opportunity to get 10% off on the costs of their Life Cover and/or new TPD Cover *.
If you meet the eligibility criteria, you will automatically receive this discount for the life of your policy with no additional assessments required.
Healthy Plus Option (HPO)
Our Healthy Plus Option allows you to get a discount up to 20% on your Life Cover premiums** if you meet certain health and lifestyle criteria. What’s more, you have the option to retain the 20% discount by taking the required QuickCheck and MBA blood test every year.
If you choose not to re-submit these tests annually, your 20% discount will reduce by 1% each year. Once the remaining discount reaches 10%, we guarantee that 10% discount for the life of the policy.
We will notify you each year on your renewal notice regarding the status of your discount so you will know what level of reduction and savings you have received.
To find out more:
*The 10% HLO TPD Discount is not available for customers who applied for and issued cover on/or before 9 April 2017. In addition, to be eligible the policies for Life and/or TPD Cover need to be offered at standard rates without any loadings or exclusions.
**The 20% HPO discount has additional assessment requirements (QuickCheck) and MBA blood test) and will not be automatically applied
Any advice on this page is general in nature and is provided by Platform Ventures Pty Ltd ABN 35 626 745 177 AFS Representative Number 001266101 (PV). PV is part of the Suncorp Group and an authorised representative of TAL Direct Pty Limited ABN 39 084 666 017, AFSL 243260 (TAL Direct). The advice does not take into account your personal objectives, financial situation or needs. Therefore, before acting on the advice, you should consider the appropriateness of the advice, having regard to those matters. Before making a decision about the product you should consider the Asteron Life Complete Product Disclosure Statement available from Asteron at asteron.com.au or by calling 1800 221 727. Asteron Life Complete is issued by Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron). Suncorp Portfolio Services Limited ABN 61 063 427 958, AFSL 237905, RSE Licence No L0002059 (SPSL) is the trustee of the superannuation fund. TAL Direct and Asteron are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 (TAL) group of companies. 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). Asteron is authorised to use the Suncorp brand. 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. If you decide to purchase or vary a financial product, PV will receive fees and other benefits, which will be a dollar amount or a percentage of the premium you pay. You can ask us for more details.
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 www.asteronlife.com.au/privacy 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 email@example.com or visit www.fsc.org.au
© 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