- Provides a lump sum benefit in the event of a fatal accident
- If you’re killed in an accident or as the result of injuries received in an accident, we’ll pay you the lump sum that you’ve selected as your cover.
- $5,000 extra cover for your first two years when you take out a State Accident policy
- For the first two years of your policy we’ll provide $5,000 free cover. You’ll pay no premium for this cover, which is valid worldwide. So if we pay out on your policy in the first two years, we’ll pay this benefit on top of any additional amount you’re insured for.
- Guaranteed acceptance from age 18 to 64
- Acceptance is guaranteed. There are no medical or health questions to answer.
- Up to $400,000 cover available
- We offer eight levels of cover, from $75,000 to $400,000, so you can choose the level of cover that best suits your lifestyle and the premium that best suits your budget.
- Discount for cover for partner or spouse
- If your spouse or partner also takes out a State Accident policy, you’ll both receive a 5% discount on your premiums.
- Download a copy of our Accident insurance policy wording
- Download a copy of our Accident insurance policy wording.
- Accident insurance brochure (PDF)
Please note this product does not qualify for a multi-policy discount. This information is intended as a guide only. There are exclusions and limits to the cover we provide. For the policy wording see our Accident insurance policy (PDF) or see our Accident insurance brochure.
State Accident insurance is underwritten by Sovereign Assurance Company Limited. State receives a commission in relation to the policy. It is not the insurer, and does not guarantee Sovereign.