Flexible Lifetime® - Protection

FAQ

We've simplified our insurance product range to make it easier for customers to choose their insurance.

Since 1 October 2017, AMP no longer accepts applications for new Flexible Lifetime – Protection plans because we’ve simplified our product range.

If you have an existing Flexible Lifetime – Protection plan, you don’t need to do anything. Your plan hasn’t changed and AMP will continue to cover you for all the needs you recognised when you chose your insurance cover. Flexible Lifetime – Protection will continue to provide many great features and benefits for you and your loved ones.

Because we no longer accept new applications, you won’t be able to apply for other types of insurance on your existing plan. If your circumstances change or if you are interested in other types of insurance, AMP has products to suit your needs.

We're here to help

For any questions, or to review your plan please talk to your adviser, or contact us on 131 267, 8.30am to 7pm (AEST), Monday to Friday.

Focusing on how we can better help customers

At AMP, we’re committed to being a financially responsible insurer. We’ve provided the same quality of care and protection to customers for over 160 years, and we aim to continue to support our customers in the best way we can.

To do this we continually innovate for the future, while ensuring that our existing insurance products are up-to-date and managed effectively. Having simpler insurance solutions means we can focus on how we can better help you and other Australians.

Your Flexible Lifetime – Protection plan gives you peace of mind

Flexible Lifetime – Protection continues to protect you and your loved ones for all the great reasons you identified when you chose it. As life changes, so do your insurance needs. At AMP, we want to make sure you have the cover that is most suitable for your needs and circumstances. There are many benefits of a Flexible Lifetime – Protection plan and whether you have Life, Total and Permanent Disablement (TPD), Trauma, Income Protection or Business Overheads insurance cover, you know you have peace of mind.

To learn more about the benefits of different covers under your Flexible Lifetime – Protection plan, click below. If your circumstances have changed or if you’re interested in other types of insurance, please contact your financial adviser who can guide you through your options.

Flexible Lifetime – Protection plans give you peace of mind with the following key benefits and features. See your PDS for the full list within non-super1, super and SMSFs2 .

  • 24-hour worldwide cover 1,2
  • Death and terminal illness benefit 1,2
  • Funeral benefit 1
  • Nomination of your beneficiaries 1,2
  • Financial planning benefit 1
  • Guaranteed future insurability feature 1,2
  • Large sum insured premium discount 1,2
  • Indexation feature 1,2
  • Accommodation benefit 1

Additional premium options

  • Business safeguard option 1
  • Waiver of premium option 1,2
  • Children’s trauma cover option 1

Have peace of mind with the following key features and benefits. See your PDS for the full list within non-super1, super and SMSFs2.

  • 24-hour worldwide cover 1,2
  • TPD 1,2 and partial TPD 1 benefit
  • Death benefit feature 1,2
  • Financial planning benefit 1
  • Guaranteed future insurability feature 1,2
  • Large sum insured premium discount 1,2
  • Indexation feature 1,2
  • Accommodation benefit 1

Additional premium options

  • Business safeguard option 1
  • Waiver of premium option 1,2
  • Children’s trauma cover option 1
  • TPD plus option 1,2
  • Own occupation option 1

Flexible Lifetime – Protection plans give you peace of mind with the following key benefits and features. See your PDS for the full list.

  • 24-hour worldwide cover
  • Death benefit feature
  • Trauma benefit
  • Financial planning benefit
  • Guaranteed future insurability feature
  • Large sum insured premium discount
  • Indexation feature
  • Accommodation benefit

Additional premium options

  • Partials package option
  • Waiver of premium option
  • Children’s trauma cover option 

The following key benefits and features provide peace of mind within Advanced1, Standard2, Basic3 and SMSFs4. Your PDS has the full list.

  • Total and partial disability benefit 1,2,3,4
  • Major fracture or loss feature 1
  • Trauma feature 1
  • Death feature 1,2,4
  • Rehabilitation costs feature and rehabilitation bonus 1,2,3
  • Accommodation benefit 1
  • Domestic1 and overseas1,2,3 transport benefit
  • Family support benefit 1
  • Attempted return to work feature 1,2,3,4
  • Relapse feature 1,2,3,4
  • Waiver of premium while on claim 1,2,3,4
  • Automatic cover increase while not on claim 1,2,3,4
  • Up to three months payment while overseas 1,2,3,4
  • Return to work bonus 1,2,3

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Important information

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It’s important to consider your particular circumstances and read the relevant Product Disclosure Statement before deciding what’s right for you. This information hasn’t taken your circumstances into account.

This information is provided by AMP Life Limited. Read our Financial Services Guide 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.

The issuer of Flexible Lifetime – Protection is AMP Life Limited. ® Flexible Lifetime is a registered trademark of AMP Life Limited.