Life Cover
In the result of your death or the diagnosis of a terminal disease, a lump sum payment may be paid to ease the financial burden on your loved ones. It brings some certainty to difficult times and ensures they won't suffer financial hardship.
Total and Permanent Disability Cover
Disability cover provides a lump sum payment if you become totally and permanently disabled. This cover provides vital funds that allow for modifications to your home and vehicles to improve your quality of life.
Critical Illness Cover
This policy provides a lump sum payment if you are diagnosed with a serious medical condition. This means you can still pay the bills and medical expenses while you recuperate.
Child Cover
We hope you never need it but Child Cover provides a lump sum payment if your child is diagnosed with a specific critical condition. The payment would help cover medical expenses and let you take time off work to care for your child.
Income Protection
Illness or injury may keep you out of the workforce for a while but the bills won't stop coming. Income Protection provides a monthly benefit of up to 80% of your gross income if you are unable to work.
Business Expense Cover
Business Expense Cover provides a monthly benefit if an injury or ill health prevents you from working. The policy provides funds to cover the ongoing fixed costs of your business while you get back on your feet.
Mortgage Protection Cover
For most of us our biggest financial commitment is our regular mortgage repayment. With a choice of disability, unemployment and/or death cover, Mortgage Protection Cover ensures your mortgage repayments are covered if you can't work.
Loan Repayment Insurance
This policy covers your Personal Loan repayments if you can't work due to an accident, sickness, unemployment or death. In the event of death the outstanding loan balance is repaid.
This website shows general information about types of insurance available and not about any particular product.
Life insurance, income protection, trauma insurance, total and permanent disablement insurance and business expense insurance products are issued by:
• The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809
• OnePath Life Limited ABN 33 009 657 176
• Asteron Life Limited ABN 64 001 698 228
• Zurich Australia Limited ABN 92 000 010 195 and
• Zurich Investment Management Limited ABN 56 063 278 400.
LifeCover Plus, Critical Illness cover and Permanently Unable to Work cover is issued by Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFSL 296559 (Allianz Life).
Consumer credit insurance is issued by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708 and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFSL 296559.
For Mortgage Repayment Insurance and Loan Repayment Insurance, the Disability and Unemployment cover is provided by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708.
Death cover is provided by Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFSL 296559 (Allianz Life).
Please read the relevant Product Disclosure Statement before making a decision about any product and consider whether the product is appropriate for you. Contact us for a copy (available by calling 13 14 22 or from Heritage branches). Financial product advice is provided by representatives of Heritage Bank Limited ABN 32 087 652 024 AFSL/ACL 240984