Because life isn't all plain sailing

You never know when life's going to throw you a curve ball. That's why it's good to have a back-up plan with TotalCareMax, State's comprehensive life cover. It can take care of you, your family, and the important stuff when things go topsy-turvy.

Work out how much cover you need with our life insurance calculator.

Why do I need TotalCareMax?

Why do I need TotalCareMax?

  • It's tailored around your occupation, health and lifestyle so you know exactly what's covered.
  • It covers lots of existing medical conditions.
  • It gives you a higher maximum level of cover.
Some things to think about

Some things to think about

  • What if you suddenly passed away. Could your family carry on living the way they do now?
  • What if you were diagnosed with a serious illness? Could you cover the cost of medical treatment or living expenses?
  • A mortgage is a big responsibility. Could you or your family cover costs if something happened to you or your partner?

Four simple steps and it's sorted

Answer three questions and choose your level of cover.

Check your quote and add any extra cover.

Tell us about your health and lifestyle.

Submit and you're done.

Choose the right cover for you

Everyone's different, so TotalCareMax gives you three cover options to choose from.

TotalCareMax Life Cover icon

Cover for your family
(TotalCareMax Life Cover)

If you die, your family will get a lump sum payment to help them cover the cost of living.

Serious Illness Protection icon

Serious illness cover
(TotalCareMax Living Assurance)

If you or your children get one of the listed serious medical conditions, you'll get a payment to help you with the cost of recovery.

Mortgage, rent & income protection icon

Mortgage, rent and income cover
(TotalCareMax Mortgage and Income Cover)

If you get sick, made redundant or injure yourself and can't work, you'll get a monthly payment to cover the mortgage or rent.

How much does it cost?

To get a quote, just click the orange button, answer three questions and choose your level of cover.

Get an instant quote

Other kinds of life cover

We also have other kinds of quick and easy cover you can buy online.

Simple Life

If you're young and healthy, Simple Life could get you started with instant life cover right now.

Accidental injury cover icon

Cover for accidental injuries
(Injury Cover)

If you accidentally injure yourself, you'll get a lump sum payment to help your family with the cost of getting you better.

Frequently asked questions

  • What is life cover?

    Life insurance helps to protect the lifestyle and future of your family and loved ones if you die. The policy pays a lump sum if you die or are diagnosed with a terminal illness (with less than 12 months to live).

  • Who can get life cover?

    Almost everyone will qualify for life insurance. In the unlikely event that your personal circumstances limit you from a full life insurance, there are less comprehensive 'guaranteed acceptance' life products available, such as accidental death and funeral cover.

  • How much cover can I get?

    Everyone is different and has different needs. You need to consider how you can adequately meet your debts, to ensure that those you leave behind aren't burdened financially. While we are not able to provide advice on this website, you can use our 'life insurance needs calculator' to help with your decision. If you buy life insurance online, there is a maximum limit of $1 million cover. Should you require a quote for more than this amount, please call 0800 782 835 so we can ensure you receive the right level of cover.

  • Should my spouse or partner also get life cover?

    If you share responsibility for any financial liabilities such as children or a mortgage or if you would not manage financially if they were to die, then the answer is probably yes.

  • What happens if I change my mind?

    Once you have submitted your online application you'll have 15 days to make up your mind from the date you receive your policy documents. If during this time you decide that the policy is not right for you, simply return it to us and we'll cancel it and refund any premiums that may have been paid. After the first 15 days, you may cancel your policy at any time by sending us a written request.