Aspect Accidental Death Insurance Policy

Aspect Underwriting offers one of the best online Accidental Death Insurance Policies in Australia. Aspect UW pays a lump sum to your estate or beneficiary if you are to pass away due to an accident or injury. To purchase accidental death insurance in Australia, you often have to go through multiple medical tests and sit for meetings and discussions with an insurance agent, before being able to buy. However, with Aspect you don’t have to go through the hassle. You can get an accidental death insurance quote online and purchase it on your mobile or computer, from anywhere in the world, provided that you live in Australia.

By using our online health and accident insurance cover generator, you can get quote for stand-alone accidental death cover, or combine it with income protection, critical illness and/or total and permanent disablement cover. This service allows you to get an accidental death insurance quote and become fully covered within hours, with a completely online process – no calling or meeting us!

Issued on behalf of underwriters at Lloyd’s London, Aspect Accidental Death Insurance Cover is a well-researched and managed policy package. No matter if you are blue-collar, white-collar, self-employed or anything in-between – this cover is available to all. Get a quick customised accidental death insurance quote online now and start planning your family’s future with the experts.

What is Accidental Death Insurance Policy & Why Should You Have One?

What is Accidental Death Insurance?

Accidental death insurance is an easy and cost-effective option for life insurance, that pays your estate a benefit upon your death, if caused by an accident or injury. It differs from life insurance because you will not be paid a benefit if the cause of death is illness related. Accidental death cover is significantly cheaper than life insurance because it only covers injury. Generally, the sum insured would be in the range of $100,000 to $1,000,000 depending on your circumstances.

Why Should You Get Accidental Death Cover?

Life is uncertain, and you never know what the future will bring. What if you get involved in an accident and lose your life? Your family will need both emotional and financial support at that time, and though you may not be there to support your family emotionally, you will have set them up to be supported financially.

Accidental death cover is an excellent insurance product for younger Australians to consider, as they are the most at risk of passing away due to an accident. Applying for accidental death cover online is simple, and acceptance is guaranteed. Stay smart and take action today and ensure your family’s financial stability no matter what happens.

Aspect Accidental Death Insurance Coverage

When purchasing an Accidental Death insurance policy, you need to be aware you will only receive the benefits if the person passes away in the accident, or from an injury sustained during the accident, within 12 months from the date of the accident. Aspect Accidental Death Insurance does not provide cover if the death occurs from illness or any expected or predictable events including but not limited to:

  • Illnesses (unless your cover includes the Aspect TPD add on)
  • Cancer
  • Heart attack
  • Suicide or self-inflicted injuries.
  • An accident that is caused by the insured’s deliberate act or intention.
  • Infectious diseases
  • Adventure sports or hobbies like bungee jumping, motor racing, which the insured participates in regularly.
  • Misuse or abuse alcohol and/or drugs.
  • Acts of war or terrorism.
  • Professional sports.

Read the complete list of exclusions by downloading the Aspect Accidental Death PDS here.

Aspect Accidental Death Insurance Policy Benefits

Aspect Accidental Death products are formed based on the agency’s collective experience of over 40 years, in the national and international Health and Accident insurance sector. Unlike traditional accidental death covers, that are offered by our competitors, our product provides a wide range of benefits, including but not limited to:

  • No calls, no meetings, no medical tests required.
  • Upfront quote and breakdown of the costs involved
  • Know the lump sum benefits that your estate/beneficiary will be entitled to
  • Fully customisable cover including the ability to add Income Protection, Critical Illness (Trauma) and Total & Permanent Disablement Cover as add-ons.
  • Get a quote and buy the cover in under 10 minutes, completely online.
  • Faster claims and payout process.

 

Aspect Intelligent Cover Builder

Aspect’s intelligent and intuitive cover builder, provides you the ability to custom design your accidental death cover and then get a free quote, purchase the cover and pay for it all online, without calling or consulting us. It not only saves you time, but also provides any relevant information as you progress through the cover building process.

With all the required information and resources at your fingerprint, it enables you to build an accidental death cover that is best suited to your needs. Once you have provided all the required information, the system generates a free accidental death insurance cover. And if you are not happy or would like to make adjustments, you can go back and adjust variables that suit your needs and conditions.

Once you have adjusted the wordings in your cover and are happy with the quote, you can purchase it completely online. However, it does not mean that we won’t be around to assist you if needed, we are always around to meet or talk to you and assist as and when required.

Efficient Claim Process

A speedy and efficient response when processing claims is another hallmark of our underwriting services. The claims process for our accidental death cover is hassle-free with a dedicated in-house team to investigate and process all claims; we remain way ahead of our competitors in providing a personalised claims processing service.

To make a claim, all your beneficiary has to do is download the Aspect Accidental Death insurance claim form, print it, and fill out all the required details and send it to our dedicated claims processing centre at their earliest convenience. When filing a claims process, be sure to supply all the information requested on the form including the information that a doctor or your employer/accountant has to provide. Mail the documents to our claims team at:

Aspect Underwriting Claims Centre
PO Box 14
Brisbane, QLD 4556
As soon as we receive your claim, we will get in touch. However, if you are unsure about the process or would like more information about it, please read our Accidental Death Insurance claim process here.

 

  • What is Accidental Death Insurance?

    Accidental death insurance is an easy and cost-effective option for life insurance, that pays your estate a benefit upon your death, if caused by an accident or injury. It differs from life insurance because you will not be paid a benefit if the cause of death is illness related. Accidental death cover is significantly cheaper than life insurance because it only covers injury. Generally, the sum insured would be in the range of $100,000 to $1,000,000 depending on your circumstances.

    Why Should You Get Accidental Death Cover?

    Life is uncertain, and you never know what the future will bring. What if you get involved in an accident and lose your life? Your family will need both emotional and financial support at that time, and though you may not be there to support your family emotionally, you will have set them up to be supported financially.

    Accidental death cover is an excellent insurance product for younger Australians to consider, as they are the most at risk of passing away due to an accident. Applying for accidental death cover online is simple, and acceptance is guaranteed. Stay smart and take action today and ensure your family’s financial stability no matter what happens.

    Aspect Accidental Death Insurance Coverage

    When purchasing an Accidental Death insurance policy, you need to be aware you will only receive the benefits if the person passes away in the accident, or from an injury sustained during the accident, within 12 months from the date of the accident. Aspect Accidental Death Insurance does not provide cover if the death occurs from illness or any expected or predictable events including but not limited to:

    • Illnesses (unless your cover includes the Aspect TPD add on)
    • Cancer
    • Heart attack
    • Suicide or self-inflicted injuries.
    • An accident that is caused by the insured’s deliberate act or intention.
    • Infectious diseases
    • Adventure sports or hobbies like bungee jumping, motor racing, which the insured participates in regularly.
    • Misuse or abuse alcohol and/or drugs.
    • Acts of war or terrorism.
    • Professional sports.

    Read the complete list of exclusions by downloading the Aspect Accidental Death PDS here.

    Aspect Accidental Death Insurance Policy Benefits

    Aspect Accidental Death products are formed based on the agency’s collective experience of over 40 years, in the national and international Health and Accident insurance sector. Unlike traditional accidental death covers, that are offered by our competitors, our product provides a wide range of benefits, including but not limited to:

    • No calls, no meetings, no medical tests required.
    • Upfront quote and breakdown of the costs involved
    • Know the lump sum benefits that your estate/beneficiary will be entitled to
    • Fully customisable cover including the ability to add Income Protection, Critical Illness (Trauma) and Total & Permanent Disablement Cover as add-ons.
    • Get a quote and buy the cover in under 10 minutes, completely online.
    • Faster claims and payout process.

     

    Aspect Intelligent Cover Builder

    Aspect’s intelligent and intuitive cover builder, provides you the ability to custom design your accidental death cover and then get a free quote, purchase the cover and pay for it all online, without calling or consulting us. It not only saves you time, but also provides any relevant information as you progress through the cover building process.

    With all the required information and resources at your fingerprint, it enables you to build an accidental death cover that is best suited to your needs. Once you have provided all the required information, the system generates a free accidental death insurance cover. And if you are not happy or would like to make adjustments, you can go back and adjust variables that suit your needs and conditions.

    Once you have adjusted the wordings in your cover and are happy with the quote, you can purchase it completely online. However, it does not mean that we won’t be around to assist you if needed, we are always around to meet or talk to you and assist as and when required.

    Efficient Claim Process

    A speedy and efficient response when processing claims is another hallmark of our underwriting services. The claims process for our accidental death cover is hassle-free with a dedicated in-house team to investigate and process all claims; we remain way ahead of our competitors in providing a personalised claims processing service.

    To make a claim, all your beneficiary has to do is download the Aspect Accidental Death insurance claim form, print it, and fill out all the required details and send it to our dedicated claims processing centre at their earliest convenience. When filing a claims process, be sure to supply all the information requested on the form including the information that a doctor or your employer/accountant has to provide. Mail the documents to our claims team at:

    Aspect Underwriting Claims Centre
    PO Box 14
    Brisbane, QLD 4556
    As soon as we receive your claim, we will get in touch. However, if you are unsure about the process or would like more information about it, please read our Accidental Death Insurance claim process here.