BT Protection Plans
Most of us rely on our regular income to live. If you suffer an injury and can’t work, getting back on your feet should be the number one priority, not worrying about paying bills, the mortgage or medical costs.
It is important to have a safety net to safeguard you and protect yourself and your loved ones, should something unforeseen happen, to ensure that you can still afford the life you had planned for.
How to apply
The Insurer of BT Protection Plans is Westpac Life Insurance Services Limited ABN 31 003 149 157, AFSL Number 233728 (‘the Insurer’).
BT Protection Plans is issued by the Insurer except for Term Life as Superannuation and Income Protection as Superannuation which are issued by Westpac Securities Administration Limited ABN 77 000 049 472, AFSL Number 233731 (‘WSAL’) as trustee of the Westpac MasterTrust ABN 81 236 903 448. The Insurer and WSAL are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714, (‘the Bank’). None of the BT Protection Plans, an interest in the Westpac MasterTrust or Retirement Wrap ABN 39 827 542 991, RSE Registration R1001327 (of which SuperWrap is part of), nor an investment in Wrap, are an investment in, deposit with or other liability of the Bank. These policies are distributed by Bank of Melbourne– A Division of Westpac Banking Corporation ABN 33 007 457 141 (Bank of Melbourne). Westpac Life is a subsidiary of Westpac Banking Corporation (Bank). Bank of Melbourne Financial Planners are representatives of the Bank. Neither the Bank, nor any member of the Westpac Group (other than the Insurer) guarantees the benefits payable in relation to BT Protection Plans.
This information has been prepared without taking into consideration your personal needs and financial circumstances. You should consider the appropriateness of this information with regard to your objectives, financial situation and needs. Before making a decision in relation to BT Protection Plans, you should consider the BT Protection Plans Product Disclosure Statement and Policy Document (PDS) and BT Protection Plans – Reserve Document and consider whether the product is right for you. The PDS explains conditions, terms, limits and exclusions and is available from your financial adviser. The Bank of Melbourne Privacy Statement is available here.
1. Cancer Institute NSW, ‘The Cancer in NSW Incident and Mortality Report’ 2007
2. Calculation based on data of individual disability income insurance sold by Australian life offices, Institute of Actuaries of Australia 2002. Report of the Disability Committee, IA Aust, Sydney.