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Want extra protection against life's little – and not so little – surprises?
ANZ Home Loan Protection is optional insurance that can pay your ANZ Home Loan and help maintain your home lifestyle – when you can't due to unexpected unemployment, illness, injury and more.
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It's quick and easy to apply with no medical or blood tests required, subject to pre-existing conditions.
Choose from one of three cover options to suit your protection needs.
Your amount of cover will match the total outstanding balance of your ANZ home loan. This means that as the loan mortgage balance decreases each month, so does the amount of cover you pay for.
Receive a 10% discount off your premium if you apply for a joint ANZ Home Loan Protection policy.
A 30-day waiting period applies for each claim after the claim event date if you are either ill or involuntarily unemployed.
To be eligible you must
have an eligible ANZ home loan of $30,000 to $1 million |
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be 18–59 years old |
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be an Australian or New Zealand citizen, or hold an Australian Permanent Residency Visa |
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meet our definition of employed if applying for injury, illness and involuntary unemployment cover |
have lived in Australia for at least six continuous months in the past 12 months |
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receive the ANZ Home Loan Protection PDS in Australia |
have no more than $1 million in total Life Benefit across all ANZ Home Loan Protection policies (including this policy) if applying for life cover |
Before taking out any type of insurance it's important to make sure that you have the financial capacity to pay your premiums.
To get an estimate of how much ANZ Home Loan Protection insurance may cost, try the online estimate tool or call us to get a formal quote today.
We no longer offer this insurance product to new customers however if you're an existing policy holder you remain covered by this insurance. Check out the ANZ Mortgage Protection Product Disclosure Statement and Policy Document (PDF) for information about the product including what you're covered for.
If you need to make a claim or have any questions about your policy call us on on 1300 552 253 weekdays 8am to 5pm (Sydney/Melbourne time).
If your current policy is due for renewal or going to cancel as you're restructuring your loan, you may be considering your options.
An alternative to consider is ANZ Home Loan Protection – if you purchase a policy as a replacement to your ANZ Mortgage Protection policy, it may be treated as a replacement policy and you may be eligible for a premium discount.
Learn more via our product comparison fact sheet (PDF) or call us on 13 16 14.
We know making an insurance claim comes at an extremely stressful time, so we've made the process as easy as possible. With support available over the phone from our local claims centre, we're here when you need us most.
Mon - Thur, 8.30am - 7pm (Sydney/Melbourne time) Fri, 8.30am - 5.30pm (Sydney/Melbourne time)
This information was published on 1 December 2023 and is subject to change.
ANZ Home Loan Protection is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 is the distributor of this product. We recommend that you read the ANZ Financial Services Guide (PDF), Target Market Determination (PDF) and the ANZ Home Loan Protection Product Disclosure Statement and Policy Document (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.
ANZ Mortgage Protection is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 for the Life Benefit and QBE Insurance (Australia) Ltd (QBE) (ABN 78 003 191 035, AFSL 239 545) for the Disability Benefit and the Involuntary Unemployment Benefit. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 distributed this product. We recommend that you read the ANZ Financial Services Guide (PDF) and the ANZ Mortgage Protection Product Disclosure Statement and Policy Document (PDF) (available online or by calling 13 16 14) before deciding whether to continue to hold this product.
Although Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522 AFSL 234527) distributes these products, ANZ does not guarantee or stand behind the issuers or their products.
This information is of a general nature and has been prepared without taking account of your personal objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.
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