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Encompass Protection – Life Insurance

Encompass Protection

Encompass Protection is a life insurance product focused on providing quality protection to everyday Australians.

At Encompass Protection, we get this, so we’ve partnered with MLC Life Insurance to help deliver a simple claims experience.

If you need to make a claim, you will be provided with a dedicated claims consultant who’ll help you through the process and make things as simple as possible. They’ll make sure we get everything we need to assess your claim carefully and efficiently.

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Information on this page was last updated on 22/11/2023 and is subject to change by the product issuer. While Choosi makes best endeavours to ensure the accuracy of this information, we recommend that you always consider the most up-to-date information on a product you are interested in, which will be available on each brand’s own website.

Encompass Protection cover types

Life Cover

  • Pays a lump sum benefit of up to $3 million if you die or become terminally ill (with life expectancy of less than 24 months).
  • Cover inside and outside super available.
  • Provides an advancement of a portion of your Life Cover sum insured (up to $20,000) to help cover funeral expenses1.
  • Includes Interim Accidental Death Cover (subject to eligibility).
  • Level premiums or Stepped premiums (age criteria applies).

Total and Permanent Disablement (TPD) Cover

  • Pays a lump sum benefit of up to $3 million if you become totally and permanently disabled.
  • Can be a standalone policy, added as attached/linked cover under a Life Cover policy, or a split policy.
  • Cover inside and outside super available.
  • Built-in benefits like Indexation, Specific Loss1, Future Increase, Financial Advice1.
  • Optional benefits such as Life Cover Buy Back Option2 and Disability Premium Waiver Option.
  • Allows you to choose from ‘Any’, ‘Own’, or ‘Super’ TPD definitions.
  • Level premiums or Stepped premiums (age criteria applies).

Critical Illness Cover

  • Pays a lump sum benefit of up to $1 million if you’re diagnosed with a specified Critical Illness Event.
  • Can be a standalone policy or as additional/linked cover under a Life Cover policy.
  • Choose between Critical Illness Standard and Critical Illness Plus cover.
  • Built-in benefits such as, Indexation, Financial Advice and Future Increase.
  • Optional benefits such as Life Cover Buy Back Option3 and Disability Premium Waiver Option.
  • Level premiums or Stepped premiums (age criteria applies).
  1. Not available if policy is held inside superannuation.
  2. Only available when TPD Cover is attached or linked to Life Cover.
  3. Only available when Critical Illness Cover is attached or linked to Life Cover.

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