Life Insurance

If something unexpected was to happen to you
or your partner, would you be prepared?

If either of you were injured or fell ill and weren’t able to work anymore, would you be able to cover the costs of your mortgage repayments, your credit cards, or your day-to-day living expenses? For how long? TIO LifeCover Plus is a straight forward and affordable cover to protect your family from uncertain times.
With a number of different options this insurance gives you peace of mind to know that in the worst of circumstances, TIO will help to support your family’s finances. Prepare for the unexpected with TIO’s LifeCover Plus and ensure that your loved ones are always taken care of.



Why choose TIO LifeCover Plus?

  • Get a preliminary quote in under a minute
  • Get an immediate decision on your cover
  • No medical or blood tests required to apply


Choose the Life cover that is right for you and your family


  • Choose Life Cover Life cover pays a lump sum if you die or suffer a terminal illness where death is likely to occur within 12 months
  • Up to $1,500,000 cover1
  • Insure up to 2 people on the same policy
  • Accidental injury benefit such as loss of sight or limb3
  • Benefit increases to keep up with inflation3
  • Keep your cover – guaranteed to age ninety nine2
  • Add Critical Illness Cover
    Critical Illness cover, also known as Trauma cover, pays a lump sum benefit if the insured suffers one of the defined Critical Illness events.
  • Up to $500,000 cover1
  • Cover for 14 serious illnesses such as cancer, stroke and heart attack3
  • Benefit increases every year to keep up with inflation3
  • Keep your cover – guaranteed to age seventy2
  • Add Permanently Unable to Work Cover
    Permanently Unable to Work Cover pays a lump sum in the event that the insured suffers a sickness or injury that means they cannot work again.
  • Up to $1,500,000 cover1
  • Lump sum payment if you are never able to work again due to sickness or injury4
  • Additional cover for major physical impairment such as blindness or loss of hearing
  • Benefit increases every year to keep up with inflation3
  • Keep your cover – guaranteed to sixty five2

This is a summary only of the cover available. Before making a decision, please refer to the Product Disclosure Statement (PDS) for the standard, terms, conditions, limits and exclusions of cover.

Important information: This product is not suitable for self-managed superannuation funds (SMSF) and is not available for purchase through a SMSF.
We would encourage you to speak to your financial planner or accountant who may be able to provide you with advice.

TIO Life Cover follows the Life Insurance Code of Practice, which contains minimum standards of service and minimum standard medical definitions that customers can expect from insurers. The Code can be found on FSC website here

How to claim

To make a claim call 131 846 Mon–Fri, 9:00am-5:00pm EST.

Making a claim can be a time of great stress, so it’s important that all cases are handled sensitively and as quickly as possible.

  • All claim matters are dealt with promptly and efficiently
  • Regular contact to keep you or your estate updated and informed
  • Claims are managed with best practice principles

Allianz Australia Life Insurance Limited AFS Licence No. 296559, ABN 27 076 033 782 (Allianz Life) is the insurer and administrator of TIO LifeCover Plus Insurance.
Territory Insurance Office (TIO) is a trading name and division of Allianz Australia Insurance Limited ABN 15 000 122 850 AFS Licence No. 234708 which can refer you to Allianz Life.