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Protect the ones you love with Ezicover Life Insurance

Get a quote

Stella Insurance customers get a 12-month subscription to Anya’s female health app when you take out an Ezicover Life Insurance, Ezicover Income Protection or Zurich Home Loan Protection policy. Terms and Conditions apply*

Ezicover Life Insurance

Life insurance, made simple

No matter how complex life gets, Ezicover makes it simple to care for your loved ones.

Why choose Ezicover Life Insurance?


Protect your family

If you pass away, your loved ones could receive a lump sum payment to help cover their life expenses – the mortgage or rent, school fees, medical costs, even holidays and other needs

1


Protect yourself

If you are diagnosed with a terminal illness with less than 12 months life expectancy, you could receive your lump sum payment in advance to help cover your costs – so you can focus on what matters most to you

2


Get cover for a family member – and they can save 10%

Apply for two policies at the same time and if they’re both accepted, you’ll receive a 10% discount on the second policy

1


Get more out of your insurance

 

As an Ezicover customer, enjoy our Loving Life exclusive rewards program giving you access to lifestyle and entertainment offers brought to you by the Entertainment book. Plus, Stella Insurance customers get a 12 month subscription to Anya’s female health app.*

Other benefits

  • Easy to apply 
    Apply online or on the phone– most people don’t need medical examinations.
  • Choice of lump sum cover from $50,000 to $1.5 million  
    Different choices of cover available, based on your age and needs.
  • Complimentary first 30 days 
    In the first year of your policy, you’ll only pay 11 months premium.
  • Discounts for paying annually 
    We’ll give you a 5.7% discount if you pay your premiums annually.
  • $15,000 cash advance payment  
    If you pass away, we’ll pay $15,000 in advance while we assess your claim to cover expenses like funeral costs.
  • Easy to suspend cover 
    You can pause your cover and premium payments for up to 12 months if you are experiencing financial difficulty.
  • Cover anywhere, any time 
    You’re covered 24/7, anywhere in the world.
  • Future insurability benefit 
    You can apply to increase your level of cover each year up to $100,000 when you reach certain life milestones like getting married or becoming a parent.
  • Inflation protection offered annually 
    You can increase your insurance cover each year to help protect the amount of your cover from the impact of inflation.
  • Get covered immediately 
    Your cover can start immediately if your application is accepted, with any waiting periods and exclusions that may apply per the PDS or your policy document.

Get more out of your insurance with Ezicover

  • Exclusive rewards program 
    Get access to Zurich's Loving Life rewards program, with lifestyle and entertainment offers from the team behind the  Entertainment™ Book.
  • Stella Insurance customers receive a 12 month subscription to Anya’s female health app, when they take out an Ezicover Life Insurance, Ezicover Income Protection or Zurich Home Loan Protection policy - giving you access to expert guidance across key life stages. Terms and Conditions apply.*
  • Access to My Zurich 
    My Zurich, our customer portal, makes it simple for you to manage your policy on the go, on any device, at any time.

Things to know before you apply

  • You have been referred to Zurich by Stella Underwriting Pty Ltd (“Stella”) ABN 72 633 811 319. Stella may only refer you to Zurich or a financial planner and does not recommend, endorse or provide advice on Zurich Ezicover insurance or Zurich Home Loan Protection products. If you buy a Zurich Ezicover policy or Zurich Home Loan Protection policy, Stella will receive a commission from Zurich of 60% upfront and 10% ongoing (plus GST) of premiums paid. This amount is paid by Zurich and is not an additional cost to you.
  • Ezicover Life Insurance is designed for people with financial dependants or loved ones, who have or expect to have outstanding financial commitments (such as a mortgage, school fees, medical expenses and living expenses) that will not be satisfied or able to be paid in the event of their death or terminal illness.
  • This page is a summary of the key features only. Exclusions may apply. Please refer to the Ezicover Life Insurance Product Disclosure Statement (PDS) for full details.
  • Your cover is stepped, which means that premiums will increase with age, and you’ll need to be able to continue to pay your premiums for the timeframe that you want to be insured. Contact us if you would like a 5-year premium projection.
  • Exclusions apply for death by suicide in the first 13 months of taking out the cover, and any other conditions specified on the policy schedule.
  • You should always read the Product Disclosure Statement (PDS) before taking out any insurance product.
Read the PDS
Read our FAQs

How to apply

Step 1: Check that you’re eligible

You can apply if:

    • you’re an Australian citizen or permanent resident, living in Australia 
    • you’re aged between 19 – 69 years

Step 2: Check the Product Disclosure Statement

Make sure you understand the product.

 

Read the PDS

Step 3: Choose the cover amount that’s right for you

Your payout amount will depend on how much cover you select, with the maximum cover amount limit depending on your age when you apply.

Age 

Lump sum cover 

19-45 years 

Up to $1.5 million 

45-54 years 

Up to $1 million 

55-59 years 

Up to $750,000 

60-69 years 

Up to $500,000 


Step 4: Get a free, no-obligation quote

Get an online quote

Step 5: Apply online or over the phone

Continue to apply online after getting your quote or contact our friendly team directly. You can also resume your application at a later time if you are not able to complete it today.

 

Need help choosing your cover?

To help you start thinking about what cover is right for you, visit the Life Insurance Calculator on moneysmart.gov.au. This calculator helps you to work out if you need life cover, how much life cover you might need and what expenses your life cover will pay for when you die.

Frequently asked questions

  • We waive your first month’s premium so in the first year of your policy, you only pay for 11 months of cover. You can use this time to review your policy and make sure that Ezicover meets your needs.
  • Your needs change throughout your life, and so can your cover. You can increase or decrease your cover amount at any time to suit your needs. Minimum cover is $50,000 and maximum cover is $1,500,00 depending on your age.
  • Applying for Ezicover is easy. And if you can’t complete your application in one sitting, we save it for you, and you can pick up where you left off. 
  • If you and your partner want to apply, we’ve made the application easy for both of you to apply at the same time. You will also be eligible for a 10% discount on one of the policies.
  • We will not ask you for any medical tests before, or after your application. Ezicover is simply underwritten, which means we ask you the right questions throughout the process, so you have certainty around what you are covered and what may be excluded. 

If you’re a young person with a family, you should consider how your loved ones will manage financially if you pass away or become terminally ill. If you have any debt, just purchased your first home, have any children or want to look after your family, it can be important to have life insurance in place so that they are cared for if you were to die.

By not taking out life insurance until later in life, you risk a deterioration in your general health or developing a medical condition that may mean you become ineligible for cover, have an exclusion applied to your policy or have to pay a higher premium rate. You need to balance this against paying premiums for a longer period of time.

Ezicover Life Insurancecan help provide financial protection for any dependants you have if you’re a self-employed person and you pass away, or become terminally ill and can no longer work. Your family could also use your life insurance payout to pay any business loans or other costs of your business if you were to pass away.

If you’re self-employed and you don’t have superannuation, or you do not have life insurance cover with your superannuation fund, life insurance may be important for you to consider.

Ezicover Life Insurance could provide a $15,000 payment in advance to your beneficiaries on confirmation of death, which they can use to pay for your funeral and other costs such as your unpaid bills.

Ezicover Life Insurance is designed for people with financial dependants or loved ones, who have or expect to have outstanding financial commitments (such as a mortgage, school fees, medical expenses and living expenses) that will not be satisfied or able to be paid in the event of their death or terminal illness.

If you’re single and you have debts or you have loved ones you would like to look after, having life insurance can help take care of them financially or cover your debts if you pass away. Ezicover Life insurance can also provide you with a lump sum payment if you are diagnosed with a terminal illness.

Ezicover Life Insurance is offered individually. However, if you and your partner apply at the same time and we accept both applications, the second policy is eligible to a 10% discount.

 

Generally, Ezicover Life Insurance will cover you for COVID-19 if you have met the qualifying and waiting periods in your policy. Click here to learn more about our COVID-19 support.
 

If you are 19 to 69 years old, are an Australian citizen or hold a permanent residency visa, and reside permanently in Australia, you can take out Ezicover Life insurance.
Usually, life insurance payouts that go to your financial dependants are tax free. You should seek advice from a qualified tax adviser if your benefits are going to someone who’s not dependent on your income.

You can apply online, or over the phone.

Read our FAQs

*Terms and Conditions:

The promoter of this offer is Zurich Australia Limited, ABN 92 000 010 195 (‘Zurich’) of 118 Mount Street, North Sydney, NSW 2060. The following Terms and Conditions apply to this offer:

  1. The offer consists of a complimentary 12-month subscription to Anya, provided by LatchAid Ltd, company number 11485792 (“Anya”) at Bowood Cottage, Windmill Road, Kemble, Cirencester, GL76AL, United Kingdom, when Stella Insurance customer holds (as policyholder) an Ezicover Life Insurance, Ezicover Income Protection or Zurich Home Loan Protection policy for a 12 month period. Anya is a digital health app designed to support women through different life stages.
  2. This offer is available to Stella customers who purchase an Ezicover Life Insurance, Ezicover Income Protection or Zurich Home Loan Protection between 2 February 2026 – 31 December 2026 and redeems the offer within 12 months of the policy start date. The offer must be redeemed while the relevant policy remains in force.
  3. Additional charges may apply for services provided in addition to those described as included or beyond the initial 12 months subscription and will be billed directly by Anya. Anya reserves the right to cancel your subscription and any other related subscription if you do not agree to the relevant charges.
  4. If you redeem this offer, you agree that your subscription (including any associated subscription accessed by partners or family) to Anya may be terminated if you cancel or do not hold your relevant policy for a 12-month period.
  5. The offer is not redeemable for cash and may not be replaced after expiry. The promoter reserves the right to withdraw, cancel, suspect all or any part of this offer at any time, subject to applicable laws.
  6. Zurich does not warrant or accept liability in relation to the quality, or suitability of the Anya application, except to the extent liability cannot be excluded by law. Customers should make their own enquiries
  7. By choosing to accept this offer, if you use the application, customers agree that they have read and understood Anya’s Terms and Conditions available here and agree to be bound by them.
  8. You consent to Zurich and its partners and contractors collecting, using and disclosing your personal information relating to this offer in accordance with the Zurich’s Privacy Policy.

The Zurich Loving Life App and the underlying offers and discounts are provided for Zurich by Entertainment Publications of Australia Pty Ltd, ABN 85 065 011 903 of 53-55 Herbert Street, Artarmon NSW 2064 (‘Entertainment’). Click here to view Loving Life terms and conditions. 

The promoter of Zurich Loving Life is Zurich Australia Limited, ABN 92 000 010 195 (‘Zurich’) of 118 Mount Street, North Sydney, NSW 2060.

Zurich makes no warranty and accepts no liability in relation to the quality, suitability or value of the Zurich Loving Life offers. Customers should make their own enquiries.

By participating in these offers, you agree that you have read and understood their Terms and Conditions and agree to be bound by them. Zurich and its partners collect, use and disclose your personal information in accordance with their privacy policy. Click here to view Zurich’s privacy policy.