What cover type options are available under ANZ Loan Protection?
a) Life and Sickness and Accident
b) Life, Sickness and Accident and Involuntary Unemployment
What does Sickness and Accident cover?

Please refer to the Product Disclosure Statement (PDF 288kB) for all policy exclusions.
What does Involuntary Unemployment cover?
ANZ Loan Protection can cover loan repayments for each 30 days of involuntary unemployment. This benefit is paid for a maximum of 120 days. Please refer to the Product Disclosure Statement (PDF 288kB) for all policy exclusions.
Is there a minimum employment requirement if I wanted to take out Life, Sickness and Accident & Involuntary Unemployment cover?
Yes. You must be employed receiving income on a full time, part time, casual basis or self employed for a minimum average of 10 hours per week. If you are in seasonal employment for an average of 10 hours per week, you are entitled to Life and Sickness and Accident cover only.
Can a joint policy be taken?
Couples committed to a joint ANZ loan can take out joint cover. A discount of 10% on the second insured is offered.
How are claims paid?
Direct to the loan.

ANZ arranges the insurance on behalf of the product issuer, OnePath Life and QBE. ANZ may receive a commission for the sale of any product. Please see the Financial Services Guide (PDF 104kB) for more information.

Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522) is an authorised deposit taking institution (bank) under the Banking Act 1959 (Cth). OnePath Life is owned by ANZ – it is the co-issuer of the product (along with QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545) but it is not a bank. Except as set out in the issuer's contract terms (including the PDS), this product is not a deposit or other liability of ANZ or its related group companies. None of them stands behind or guarantees the issuer.

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