Life Insurance


As we travel along life’s highway, it’s difficult to tell what’s around the next corner. That’s why it’s important to be ready for whatever crops up by taking some simple steps to cover you and your family. Heritage has a number of insurance options for you to choose from - ensuring that your journey will be in safe hands.

5 Year Mortgage Repayment Insurance

For most of us our biggest financial commitment is our regular mortgage repayment. With a choice of disability, unemployment and/or death cover, 5 Year Mortgage Repayments Insurance can help you to repay your mortgage if you can't work.

Loan Cover Insurance

This policy can help you to repay your Personal Loan if you can't work due, unemployment or death. In the event of death the outstanding loan balance is repaid.

If you would like to find out more about any of these policies please call 13 14 22 or visit your local branch.

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.

For the Five Year Mortgage Repayment Insurance and Loan Cover Insurance, the Disability and Unemployment cover is underwritten by Allianz Australia Insurance Limited (Allianz) ABN 15 000 122 850 AFSL 234708. For the Five Year Mortgage Repayment Insurance and Loan Cover Insurance, the Death cover is underwritten by Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFSL 296559 (Allianz Life). Heritage Bank Limited ABN 32 087 652 024 AFSL/ACL 240984 arranges the Five Year Mortgage Repayment Insurance and the Loan Cover Insurance as an agent for Allianz. These products require the customer to be aged from 17 years old to 59 years old inclusive, a permanent resident of Australia, applying for or have a mortgage or loan and have a total current combined cover for all CCI policies issued by Allianz of less than $750,000.

Policy terms, conditions, limits and exclusions apply. 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). We do not provide advice based on any consideration of your objectives, financial situations or needs. Financial product advice is provided by representatives of Heritage Bank Limited ABN 32 087 652 024 AFSL/ACL 240984. If you purchase this insurance, Heritage will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any services. 

* Based on a $150,000 loan over 25 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.