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  • Easy to arrange
  • Affordable
  • Help protect your loved ones

Life insurance

HBF Ezicover Life Insurance

A simple and affordable way to give you peace of mind and confidence, knowing you've taken steps to ensure your family is looked after should the unthinkable happen.

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If you’re between 19 and 69 years old, HBF Ezicover Life Insurance can provide ongoing cover and a lump sum payment of between $50,000 and $1,500,000 (depending on your age)# in the event of your death or terminal illness where your life expectancy is less than 12 months.

This option is designed to match your financial situation and provide financial support during times where you may have more debt – such as mortgage repayments, or the costs of raising or educating your children.

Why will it suit you? 

  • Easy way to protect your loved ones.
  • Easy way to help look after your affairs.
  • Easy to arrange, there are no complicated forms to fill in.
  • Affordable and suitable for a range of budgets.

Key benefits

  • Quality life insurance option 
  • Free cover for the first month
  • Up to $1,500,000 cover available (depending on age)#
  • Cover available for members aged between 19–69 years
  • 24 hour worldwide cover
  • Covers death and terminal illness
  • Does not normally require an interview or medical 
  • 30-day cooling-off period
  • Lump sum benefit
  • Inflation protection**
  • $15,000 advance payment while your claim is assessed
  • Cover until after you’re 99
  • Take out two policies at the same time and receive a 10% discount off the second policy

Take out HBF Ezicover Life Insurance and on acceptance, you’ll pay no premium for your first month of cover.
Terms and Conditions

*A single HBF Ezicover Life Insurance policy costs $148.92 per annum based on WA rates, which is equivalent to $2.86 a week when paid annually. The premium is based on a 30 year old female, non-smoker with $150,000 cover.

#Cover available up to $1,500,000 for persons aged 19-45, up to $1,000,000 for persons aged 46-54, up to $750,000 for persons aged 55-59 and up to $500,000 for persons aged 60-69.

+Receive a 10% discount on the second life where two applications are submitted at the same time, and both policies are issued.

**To keep pace with inflation up to a maximum of 5%

$50 eftpos card terms and conditions here.

HBF Health Limited (HBF) ABN 11 126 884 786 trading as HBF Life is a Corporate authorised representative of Zurich Australia Limited ABN 92 000 010 195. AFSL 232510 of 5 Blue Street North Sydney, NSW 2060. HBF is authorised to provide financial services, limited to marketing, promotion and referral activities in respect of the HBF Ezicover insurance products. HBF or its representatives do not accept any liability for any errors or omissions on information supplied on this website. HBF Ezicover life insurance products are issued by Zurich Australia Limited ABN 92 000 010 195 of 5 Blue St, North Sydney, NSW 2060 AFSL 232510. Before making a decision about the product you should consider the HBF combined Ezicover Life Insurance Product Disclosure Statement and Financial Services Guide available from HBF or via This website contains general advice and information only. You need to consider the appropriateness of the information taking into account your personal objectives, financial situation and particular needs prior to making a decision. HBF or its representatives do not accept any liability for any errors or omissions on information supplied on this website. Zurich Australia Limited will only receive your personal details if you make an application for an HBF Ezicover life insurance product. If you buy a HBF Ezicover insurance policy, HBF will receive commission from Zurich of 20% (plus GST) of premiums paid. In addition HBF receives an annual fee not exceeding $50,000 for administrative support and services provided, this fee is reviewed periodically.


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