Get more from your life insurance

Lump sum payout if you suffer an injury: Our Injury insurance is designed to help you get by if you suffer a range of specified injuries. From permanent disablement to fractures and burns, the money can be used any way you choose - to help with medical or treatment costs, compensate for loss of earnings or give you some breathing space while you recuperate.
$5,000 extra disability cover for your first two years when you take out a State Injury policy: We provide $5,000 cover for permanent disability for which you pay no premium when you enrol. This is valid worldwide for two years from the time you take out your Injury insurance with us.
Up to $300,000 cover available: You can choose from four levels of comprehensive injury cover up to a maximum of $300,000. We’ll pay you the maximum benefit if you’re permanently disabled, and specified amounts for fractures, burns and dislocations.
Discount for cover for partner or spouse: If your spouse or partner also takes out a State Injury policy, you’ll both receive a 5% discount on your premiums.
Guaranteed acceptance up to 64 years: Anyone aged 16 to 64 can sign up for Injury insurance, regardless of their medical history, and the insurance will continue until they’re 85.
Download a copy of our Injury insurance policy wording: Download a copy of our Injury insurance policy wording.
Brochure: Injury insurance brochure (PDF)

Call for a quote
0800 777 707
or email the State Team

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 Injury life insurance policy (PDF) or our Injury insurance brochure.

Important information:
State Injury 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.