State Term Life

State Term Life Cover (TLC) is an easy and affordable way to secure the protection you and your family need, without all the usual fuss. Depending on how much cover you want, it can cost as little as $10 a month and because State TLC is independent of your banking arrangements, you won’t have to change your policy just because you change your bank. 

Your policy covers:

• A 100% early payout for terminal illness
• Optional Living Cover available
• $10,000 bereavement support to cover immediate costs
• Minimal exclusions: The only standard exclusion for Life Cover is suicide within the first 13 months of the policy (additional exclusions apply to Living Cover).

To download the brochure please click here or for full details of the cover provided please read the policy document.

State Term Life Cover policy wording (PDF)

Living Cover policy wording - optional benefit (PDF)

Get a quote now - for a quote contact us on
0800 STATE LIFE (0800 782 835).

Important information:
Although most people can be covered, all applications are subject to individual consideration.  Special conditions, exclusions or premium loadings are sometimes applied.  This insurance is underwritten by Sovereign Assurance Company Limited