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Protection for those you love the most

Life Insurance

bcu’s Life Insurance underwritten by Zurich, can provide you cover for life’s challenges including critical illness and the inability to work.

9 great reasons to choose Ezicover insurance

  • Affordable
  • Does not normally require a medical examination
  • Quick online application process
  • 30-day cooling off period
  • Flexible payment options
  • Issued & underwritten by Zurich Australia Ltd
  • Clear, simple policies
  • You’re in control – select the cover that best suits you
  • First month’s cover FREE on acceptance

Choose the cover that is right for you and your loved ones

Ezicover Life Insurance

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

Lump sum payment in the event of death or terminal illness (medically diagnosed with 12 months or less to live).

AgeLump sum payment
19 - 45 yearsUp to $1.5 million
46 - 54 yearsUp to $1 million
55 - 59 yearsUp to $750,000
60 - 69 yearsUp to $500,000

Easy to apply
Does not normally require a medical examination

First month's cover free

Award winning
Has received multiple awards for Excellence and for Outstanding Value - Direct Life Insurance in 2010, 2012 & 2014

Worldwide cover 24/7

$15,000 Cash advance benefit
An advance payment of $15,000 while your death claim is being settled, to help with funeral or other expenses

Future insurability benefit
The death benefit can be increased by up to $100,000 in any one year until the policy anniversary after your 54th birthday without reassessment of your personal circumstances, if you: get married, get divorced, become a parent, become a full-time carer, or become a widow or widower

Get a Quote Online

Ezicover Funeral Advantage

Lump sum payment
To help cover the cost of your funeral or other expenses

Choice of benefit amount
Between $5,000 and $15,000 in $1,000 increments

Never pay more than the sum insured
Premiums do not increase as you get older and once the premium paid matches the sum insured you stop paying premiums altogether

No medical examination required

Guaranteed acceptance
For Australian residents aged 35 - 70

Convenient monthly premium payment

30 day cooling off period

First month's cover free

Accidental death cover in first 12 months - full cover thereafter
In the first 12 months, a benefit is only payable in the event of accidental death (as defined under the policy). After that, a benefit is payable for death by any cause.

Additionally, in the first 12 months, if death occurs and is not caused by accidental death or suicide, we will refund all premiums paid.

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Ezicover Income Protection

There are two cover types
• Sickness & Injury cover, and
• Injury Only cover
If you have a medical condition or history that prevents you getting Sickness & Injury cover, Injury Only cover may be available.

Monthly payments if you are unable to work in any occupation to to sickness or injury. Up to 75% of pre-disability income (maximum $12,000 per month) paid for up to 5 years.

First month's premium payment waived

Available to Australian residents aged 19 – 60

Premiums are generally tax deductible and monthly benefits are generally tax assessable

30 day cooling off period

$500 Return-to-work benefit to help with extra expenses when claim ends

Waiver of waiting period and lump sum payment equal to three times the monthly benefit for Heart attack, Cancer or Stroke with no waiting period (for Sickness & Injury cover)

Insurance premiums waived while a monthly benefit is being paid

5% discount if you also have an Ezicover Life Insurance policy

Worldwide cover 24/7
Cover 24 hours a day, seven days a week, world wide (with the exception of countries where the Australian government has advised against travel to that country at the start of your trip)

No medical examination required

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Ezicover Accidental Death

Lump sum payment in the event of accidental death and cover from $50,000 - $500,000

Available for Australian residents aged 19 - 70

No medical examination required

First month's cover free

Worldwide cover 24/7

Cover until age 80
Once covered, and providing you continue to pay your premiums when due, your policy continues until the first policy anniversary after your 80th birthday.

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Need help with a Claim?

Call the Zurich Claims Team on 1800 025 015 from Monday to Friday, 8:30 am - 5:00 pm AEST.

Request a call back

Important things you should know


Disclaimers & Conditions of Use

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    Ezicover Insurance products are issued by Zurich Australia Limited (Zurich) ABN 92 000 010 195 AFSL 232510 of 5 Blue Street, North Sydney, NSW 2060. Zurich has prepared the information on this website about Ezicover and bcu is simply passing the information onto you. This information is of a general nature only and does not take in to account your objectives, financial situation or needs. You should consider these factors and the relevant Product Disclosure Statement (PDS), which contains details of conditions, limits and exclusions of cover, before making a decision regarding the product. bcu does not recommend, endorse or advise you about this insurance. They can only refer you to Zurich. If you buy an Ezicover policy, bcu will receive a referral commission from Zurich of 20% (plus GST) of your insurance premium. This amount is paid by Zurich and is not an additional cost to you.