How can we help
Life, income & debts
Life. You can't predict it, but you can prepare for whatever comes your way. We have insurance solutions that can give you an income, help cover your debts or provide for your loved ones when you can't. Even better, you can tailor the cover to your needs, then change it whenever your situation changes.
Term Cover Life Insurance gives you simple, flexible cover that can pay out quickly when it’s needed. It could pay out a lump sum if you die. Or be paid out in advance if you become terminally ill – providing for your loved ones when you can’t.
Income protection insurance
If a serious illness or disability meant you couldn’t work for a while, how long could you and your family manage without your income? Gold Disability Income Cover can help you pay the bills and other expenses by providing you with regular income.
Credit card insurance
If you have a credit card with Westpac, Card Repayment Cover is great for those of us who like to use our credit cards regularly. Specifically designed to protect your credit card repayments should the unforeseen occur.
Flexicover home loan insurance
Managing home loan payments is a big deal for most of us, so make sure you’ve got back up. With Flexicover, if something happens and you’re unable to work, your home loan payments could continue to be made.
Personal Loan Insurance
If you have a personal loan with Westpac, Westpac Loan Cover could remove some of the worry for you – helping you to meet your loan repayments in the event of an injury or illness (where you can't work), involuntary redundancy, bankruptcy or death.
Bill protection cover
If you suddenly couldn’t work because of an injury, illness, redundancy or bankruptcy, our Bill Protection cover can help to cover your regular bills. It’s a monthly benefit that’s paid directly to you, so you can choose the bills you want to pay.
Westpac Term Cover is underwritten by Westpac Life-NZ-Limited (“Westpac Life”), which is a wholly owned subsidiary of Westpac Financial Services Group-NZ-Limited, which is a wholly owned subsidiary of Westpac Banking Corporation ABN 33 007 457 141, incorporated in Australia. Neither Westpac Banking Corporation nor Westpac New Zealand Limited (“Westpac”) guarantees the obligations of, or any products issued by Westpac Life. Westpac will receive commission payments as a result of the arrangement of Westpac Life Insurance policies. For Westpac Life’s solvency margin please click here. For Westpac Life's financial strength rating please click here.
Terms, conditions, exclusions and limits apply to Westpac Term Cover. A policy document may be downloaded here as a PDF or obtained from any Westpac branch free of charge. The availability of any insurance cover is subject to the acceptance and approval of a completed application.
Any payment is subject to your claim being accepted.