With Freedom Final Expenses Cover you pay nothing for a whole year! Get a quote now
Up to $750,000 cover
Competitive premium rates
No medicals or health questions

Life Cover

Freedom Life Cover is insurance that pays a lump sum benefit of up to $750,000 to assist your family in meeting ongoing loan obligations in the event of your death or diagnosis of a terminal illness. To qualify for this cover you must have taken out an eligible loan within the last 12 months (or applied for an eligible loan within the last 3 months). Eligible loans include home, property investment, equity access and some personal loans. The amount of cover you can obtain is capped at the amount of your loan at the time you take out the cover.

Freedom Life Cover can be applied for quickly and easily over the phone with no medicals or health questions and provided you are an Australian resident aged 18 – 65 and meet the loan eligibility requirements, your application is guaranteed to be accepted.

As you are not required to undertake any medicals or answer any health questions when you apply, any pre-existing medical conditions that were evident in the past 5 years and that give rise to an insured event will not be covered. This is known as a ‘PEC’ exclusion. You can, however, apply to have the PEC exclusion removed after you have taken out the cover. Refer to page 19 of the Product Disclosure Statement for more information about the PEC and other standard exclusions that apply to this cover.

If you are 60 years or younger at the time you apply, you can extend your protection to include Freedom Trauma Cover which pays a benefit of up to $225,000 in the event you suffer any one of 15 serious medical conditions.

Freedom Life Cover also comes with a very special offer – YOUR FIRST MONTH OF COVER IS ABSOLUTELY FREE! This means you can start your protection today and then use this time to consider whether the cover is right for you. Regardless of whether you choose to continue the cover, the first month will not cost you anything.

Choose an amount of cover from $50,000 to $750,000 up to the amount of your eligible loan
No medicals or health questions so your application is guaranteed to be accepted if you are an Australian resident aged 18 – 65 and meet the loan eligibility requirements
Extend your protection to include your partner or another person who is responsible for your loan repayments such as a co-borrower or guarantor
Competitive premium rates when compared to comparable types of life insurance
Extended 42 day cooling off period to give you ample time to consider whether the insurance is right for you
Insurance is offered by Swiss Re Life & Health Australia Limited. Any advice that may have been provided to you is general advice only and does not take into account your personal circumstances, financial situation or needs. You should read the Freedom Loan Protection Product Disclosure Statement before deciding if this product is right for you.

The Insurer's Privacy Policy can be found here. It contains important information about how the Insurer manages your personal information. The insurer has adopted the Life Insurance Code of Practice (the Code). This is the life insurance industry’s commitment to mandatory customer service standards and it’s designed to protect you, the customer. For more information about the Code, click here or visit