Taking the stress out of the claims process

Illness, injury or loss of life can be a devastating event. AMP Life is there to help you and your family pick up the pieces with financial support.

We know that claims always happen at a stressful and emotional time. So, we’ve put together some information about our claims process to make it as easy as possible.

Step 1. Contact us

Get in touch with us as soon you can, in the way that’s easiest for you. You can:

  • Claim online, using our online claims notification service
  • Call us on 133 731 from Monday to Friday, between 8:30am - 7pm (AST)
  • Write to us at AMP Claims, PO Box 181, PARRAMATTA, NSW 2124.

Who should make the claim?

You should make the claim if you’re covered for:

  • TPD (Total and Permanent Disablement)
  • Terminal illness
  • Trauma cover
  • Income Protection.

Your nominated beneficiary (usually a family member) can claim your life cover if you pass away.

Step 2: We'll match you with a dedicated claims assessor

Our Claims Support Team will match you with a dedicated claims assessor – a team member who’ll be your point of contact throughout the whole claims process. 

Having one point of contact makes claiming easier and less stressful for you or family.

To make the process as quick and smooth as possible, tell your claims assessor everything they need to know. They may also need documents such as:

  • Statements from your doctor and other medical specialists
  • Release forms allowing them to access your Medicare records
  • A death certificate and a beneficiary’s proof of identity – if they are claiming on your life cover.

Step 3: We offer more than money.

As well as supporting you through the claims process and paying your benefit, our Claims Support Team can help you and your family get back on track in many other ways.

For example, if you’ve made an income protection claim we may be able help you with rehabilitation and work with your employer on a return-to-work program. In some cases, we may even provide healthy food delivery services or cab charges to help you stay independent and take good care of yourself while you’re recovering.

We're helping customers in tough times

In 2019, AMP Life paid and supported claims to over 10,400 customers, helping them get back on their feet. During this time, we paid out a total of $1.1 billion – that’s about $3.1 million every day.

Here are the top claims made by our members in 2019:1

 Top seven claims for men  Top seven claims for women
20% Musculoskeletal 23% Mental health disorders
17% Mental health disorders 15% Musculoskeletal
11% Accidents/injuries 10% Cancer – breast
10% Cancer - Other 10% Nervous system disease
9% Heart attack, stroke and other circulatory diseases 10% Cancer - other
8% Nervous system disease 7% Accidents/injuries
 5% Fractures  5% Other

1Figures based on AMP claims paid during 2019.


Kevin, 52, is married with two teenage children. For the last 10 years, he’s worked as a plumber with a plumbing franchise. While at work one day, Kevin suffered a major heart attack. Fortunately, his colleagues acted quickly, performing CPR while waiting for an ambulance to arrive.

As a result of his heart attack, Kevin had to undergo a coronary artery bypass. This meant he had to take months off work to fully recover.

Thankfully, Kevin had trauma insurance which he’d renewed earlier that year. He successfully claimed on this cover, receiving a lump sum of $125,000. This payment allowed him to focus on his recovery and not worry about bills or financially supporting his family.

Kevin’s AMP Life Claims Support Team helped him further by finding him a good rehabilitation program, which supported him to get healthy and make positive lifestyle changes. They worked with his employer with a return-to-work program that allowed him to slowly get back into work after he’d recovered.

Warning: This example is illustrative only and is not an estimate of the insured amount you will receive or fees and costs you will incur. This example is based on the following assumptions (a) the cover amount remains the same throughout the period and the policy is not cancelled or suspended and (b) No waiting period applies to the policy.

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Find out more

If you have any questions about your insurance, speak to your financial adviser or call AMP Life.

AMP Life

Monday to Friday 8:30am – 7:00pm (AET)

Important information

AMP Life Limited (AMP Life) ABN 84 079 300 379 has provided this information, which is general information only and hasn’t taken your circumstances into account.

It's important to consider your particular circumstances and read the relevant product disclosure statement before deciding what’s right for you.

Read our Financial Services Guides for information about our services, including the fees and other benefits that AMP Companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

This article refers to life insurance products generally and features may not be applicable to the product you hold. Please contact AMP Life of your financial adviser to discuss your specific policy details.