Personal & Life Insurance

GIO's wide range of online life insurance products, can help in providing you and your family with financial support when you need it most.

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Life Protect

Our most comprehensive life cover

Also known as life insurance, term life insurance, or death cover.

Pays a lump sum if you die by any cause, including accidents, or become terminally ill. Intentional self inflicted acts, such as suicide are not covered for the first 13 months

Select a cover amount between $100,000 and up to $1 million

Nominate up to 5 beneficiaries to receive benefit payment

Answer some basic health & lifestyle questions for immediate assessment. No medical tests required to apply

Must be aged 18-60 to purchase. Cover up to age 99, unless cover stops earlier

$10,000 may be payable within 2 business days for immediate expenses e.g funeral, if you were to pass away.

Accidental Death

Death by accident only

Help to pay off debts & provide your family with financial support in the event of a fatal accident.

Accidental Death Plan Insurance is no longer sold. The following information is for existing customers only.

Receive payout if you die as a result of an accident within 365 days of that accident

Select a cover amount between $100,000 and $500,000

Nominate up to 5 beneficiaries to receive benefit payment

Renewal of cover up to 80 years of age unless cover stops earlier

Increase or decrease your cover anytime by simply calling 1800 605 751

Funeral Insurance

Help with funeral costs

Help cover the cost of your funeral and other associated expenses.


Select a cover amount between $5,000 and $30,000 (max $15,000 if you choose level premiums)

Quick access to money usually within 2 business days of approved claim

Nominate who you’d like to receive the payout

No health or occupation questions and no medical exams, when purchasing

Must be aged 45-75 to purchase.

Receive 10% cash back every three years

We will refund 10% of the premiums you have paid every three years if you have continuously held your Life, Funeral or Accidental death policy for the previous 3 years.

You can be certain with GIO

Established since 1927

Trusted insurer for almost 90 years

Australian based call centres

We are here to help

Join 1.2 million Australians & New Zealanders1

Helping to look after the insurance needs of 1.2 million customers

1Includes customers of both AAI Limited and Suncorp Life & Superannuation Limited which hold GIO branded products

GIO life insurance products are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530, AFSL 229 880 (SLSL) under the GIO brand, and AAI Limited ABN 48 005 297 807, AFSL 230859 (AAI), who only issues the redundancy benefit for GIO Bill Protect Insurance. GIO life insurance products are distributed by Suncorp Financial Services Pty Ltd ABN 50 010 844 621, AFSL 229885 (SFS). SLSL, SFS and AAI are Suncorp Group (Group) entities. The different entities of the Group are not responsible for, or liable in respect of, products and services provided by other Group entities. Any advice in this information is general advice only and has been prepared without taking into account any person’s objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement (PDS) and Policy Document before making any decisions about whether to acquire a product. GIO Funeral insurance is not a savings product and premiums increase with age. If you cancel your policy any premiums you have paid for your policy will not be refunded. Terms Apply, including eligibility, no-claim and waiting periods. The amount and payment of any benefit under GIO Accidental Injury Plan is subject to the terms and conditions which apply to it, including any exclusions.

Suncorp supports and adheres to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. Download the Code here. For more information contact the Financial Services Council on (02) 9299 3022 (local call cost), email or visit