Asteron Lifeguard® product range

Winner of the Plan for Life/AFA Product Features Award 2008, the Asteron Lifeguard® product suite provides real benefits to clients, their families and businesses.

Asteron Lifeguard® has been recognised with more than 25 industry accolades since its launch in April 2007.

Backed by Asteron Life’s unparalleled service delivery, you can be confident in recommending Asteron Lifeguard to your clients for their insurance needs.

  • Enhanced product features
    These include a premium-free Child Cover Option and a Cancer Cover Option. Existing clients receive enhancements without any change in their premiums wherever possible.
  • Sustainable premiums and consistency
    Asteron Life’s track record stands for reliability, fairness and responsibility to clients and advisers over the long-term.
  • Market-leading product development
    Product features and benefits that are designed in line with medical advancements, industry research and adviser and customer feedback.
  • Products that deliver more at claim time
    Our products are designed with claim time in mind. Plus we give clients access to an independent grief support service, funeral advancement benefit and up to $2,500 financial planning benefit on our lump sum products.
  • Products that reward your clients the longer they hold their policy
    We want to reward your clients for staying covered. Our loyalty rewards increase the value of a number of benefits and features the longer the policy stays in-force.

Click on the links below for more information.

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Asteron Life's income protection
Asteron Life's trauma cover
Asteron Life's Total & Permanent Disablement (TPD) cover
Asteron Life's death cover
Asteron Life's business expenses cover

A personal approach to risk assessment

When you or your client telephones Asteron Life, the call will be answered by a person and not a machine. 85% of calls are answered within 20 seconds.

Asteron Life has state-based underwriters and risk assessment support staff. You will be assigned a dedicated, local, underwriter to make the insurance application process even more efficient.

Making things easier at claim time

We understand that when it comes to making a claim, it will often be at a very difficult time for your client and their family. That’s why we’ve got efficient and empathetic claims processes in place to make things easier. Asteron Life assigns a case manager as soon as a claim is submitted, so you and your client have a single point of contact - from start to finish.

But more than that, we understand the important role advisers play during the claims process. You have the client relationship and you can help make claim time even smoother.

That’s why we’ve introduced adviser and client claims kits to help you guide your client through the process.

Asteron Life's First Response Unit

We have introduced a 'First Response Unit' which is committed to assessing and paying income protection claims as quickly and efficiently as possible.

Asteron Life's First Response Unit assesses and pays 1/3 of all income protection claims on the day we receive the completed forms.

You'll find more information in Life AdviserConnect™

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Asteron Life™ is committed to providing customers with long term financial security. We provide insurance products including income protection, trauma (recovery) insurance, total & permanent disablement, life (death) insurance and business expenses. We are committed to helping customers get - and stay - healthy for life, by giving customers access to the Asteron Life Wellbeing Program.