About NEOS Life

NEOS Life is an independent and Australian-owned life insurance business. With faster decisions, and a superior level of customer service, NEOS Life was created to significantly improve the way life insurance is delivered in Australia today.

NEOS Protection is a life insurance product designed to help Australians protect what’s important to them. The flexible nature of this product means that cover can be tailored to meet the needs of individuals and families.

Importantly, NEOS has partnered with a leading global reinsurer – Pacific Life Re – who’s recognised for their financial strength. Combined with the personalised care and support provided by NEOS’ highly-skilled claims professionals, customers can be confident that NEOS will be there for them at claim time.

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Income Protection Cover

  • Pays a monthly benefit that helps to replace your income if you’re unable to work due to illness or injury and are disabled
  • Cover up to 75% of your pre-tax salary up to specified limits or increase to up to 80% when the 5% Superannuation Contribution Option is included
  • Choose between three levels of cover: Standard, Super, and Plus
  • Cover inside and outside super available
  • Built-in benefits include Total/Partial Disability, Waiver of Premium and Death, and for cover held outside of your super, benefits also include; Rehabilitation1, Home Care1, Accommodation1 and Specified Injuries Benefit1
  • Waiting period of four, eight, 13, or 26 weeks, or one or two years
  • Benefit periods of two or five years, or to age 65 or 70
  • Optional benefits available at an extra cost include, Increasing Claim Option, Accident Option, Superannuation Contribution Option and Critical Illness Option
  • NEOS provides your Income Protection Cover with a market first three-year rate guarantee (no surprise increases)
  • Stepped or level premiums
  1. Not included if policy held within superannuation

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