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FAQs about my life insurance and income protection policies

Below are some of the most commonly asked questions from our clients about their life insurance and income protection policies.

The information provided is a summary only. Refer to the relevant Product Disclosure Statement (PDS), available from Westpac, for further information.


What happens to my premiums if I give up smoking?
Can I choose how often I pay my premiums?
What happens if I miss a payment?
Why do my premiums go up?
Can I change my cover?
What happens if I change jobs, take extended leave or become unemployed?
What if I can't afford my payments?
What am I covered for?
What are the things I need to consider when deciding how much cover to take out?
Can I pay through my Super?
Are my policy premiums tax deductible?
Things you should know

1. The tax position described is a general statement and is for guidance only. It has not been prepared by a registered tax agent. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice.

|This information has been prepared without taking into account your objectives, financial situation or needs. Before acting on this information, consider whether it’s appropriate for you. Information current as at May 2014.