|Flexible solutions||BT Protection Plans provide a comprehensive range of life insurance solutions you can fully tailor to suit your own situation.|
|Life insurance||Life insurance provides a lump sum payout to your loved ones should the worst happen to you.|
|Total and Permanent Disablement||Disability insurance provides a lump sum payout if you become permanently disabled or are diagnosed with a terminal illness.|
|Living insurance||Living insurance helps to pay off your mortgage, medical bills or even finance a holiday if you are diagnosed with a terminal illness.|
|Income protection insurance||Income protection insurance can protect your income and maintain your family’s lifestyle if you suffer from a serious illness or injury.|
|Business overheads insurance||Financial protection for you, your family and your business.|
|Flexible plans||Flexible choice of ownership structures, inside or outside of your superannuation|
|Loyalty benefit||We reward your loyalty if you hold your policy with us for over 3 years with an additional 5% on your Death, TPD, Living or Children’s Benefit.|
|Multi-policy discount||The more policies you have in BT Protection Plans, the more you’ll save.|
|CPI increase||Keep up with inflation with a CPI increase each year|
|Guaranteed renewable||Guaranteed renewable cover and guaranteed upgrades|
|Premium holiday||If you need to cancel your policy, you can suspend your policy for up to 12 months without needing to re-apply.|
|Worldwide cover||Worldwide cover 24 hours a day regardless of where you are.|
For an additional cost, you also have the option to include:
The Insurer and Issuer is Westpac Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728, except for Term Life as Superannuation, Income Protection as Superannuation and Income Protection Assured as Superannuation, issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 as Trustee of Retirement Wrap ABN 39 827 542 991. They are subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714, who does not guarantee the insurance. This information does not take into account your personal circumstances. Please read the to see if this insurance is right for you.
A target market determination has been made for Protection Plans products. Please visit banksa.com.au/tmd for any of our target market determinations.