Life insurance

Secure your family's future with life insurance. 

Work out what type of life insurance is best for you and your family. Explore our 3 solutions below.

Life is good. Protect it with SmartCover®.

SmartCover® is issued by AIA Australia Limited

Life insurance is not just about what happens when you die, it's also about what happens while you live.

Together Bendigo Bank and AIA Australia bring you SmartCover. With life protection (Life cover) and cover for Living Events all in one policy, it helps take the guesswork out of what lies ahead. For even greater protection, you can choose to add monthly Expenses cover or Childrens' cover.

There are no medical or blood tests needed, and you can apply online or over the phone.

Purchase online to receive a 10% discount for life.

You can choose from 3 plans - Top, Mid and Basic, to suit your needs and budget. The plans are summarised in the table below.

Main BenefitsPayment EligibilityTopMidBasic
Life coverDeath from Sickness
 Death by Accident
 Diagnosis with Terminal Illness
Living coverLiving Cover Event due to Sickness
 Living Cover Event due to Accident
Final expenses coverDeath from Sickness
 Death by Accident
Optional BenefitsPayment EligibilityTopMidBasic
Expenses coverIf you can't work due to Sickness
 If you can't work due to Accident
Children's coverLife cover and Children's Trauma Events

You should obtain a copy of the PDS for this product and consider it before making a decision about this product.

Bendigo SmartCover forms part of the Bendigo Life® suite of products. The Bendigo Life suite of products are issued by AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). Bendigo and Adelaide Bank Limited ABN 11 068 049 178, AFSL 237879 (Bendigo Bank) is a distributor of the Bendigo Life suite of products only; it does not sell, issue or guarantee these products.

Services are provided by Bendigo Financial Planning Limited

If you'd like help to work out the type of insurance you need and for what amount, we have financial planners who can assist. They have specialist understanding of personal, business and family protection needs for:

  • Life insurance
  • Total and permanent disablement
  • Trauma cover
  • Income protection cover
  • Business owners insurance

Contact a financial planner for advice about life Insurance.

Bendigo Financial Planning Disclaimer | Financial Services Guide


SmartStart Super® issued by Sandhurst Trustees Limited

The main benefit of getting life insurance through your superannuation is that you don't need to pay for it from your cash flow - your insurance premium is deducted from your super instead.

When you join SmartStart Super, you're automatically issued with default Death and Total & Permanent Disablement (TPD) insurance* unless you choose to cancel.

For more information on your insurance options go to SmartStart Super® or call us on 1800 033 426.

*Eligibility conditions apply. Refer to the Insurance Guide for further information.

Sandhurst Trustees Limited Disclaimer | Offer Documents