BT income protection is not currently available via Finder. You can visit their website at www.bt.com.au for more information or compare alternative options available here.
BT life insurance: Our verdict
It comes with lots of flexibility – BT Income Protection Assured insurance allows you to choose when your cover starts, how long you're covered for and how much of your salary is covered.
Its policies are issued through an adviser so are tailored to your needs.
Rehabilitation benefits are available – some insurers don't offer this.
You can't take out BT Income Protection Assured once you're over 65.
You can also take out cover through super but this may not be the best value option for everyone as it eats into your retirement savings.
BT offers an Income Protection Assured insurance policy which replaces up to 70% of your monthly income. It comes with similar benefits to other insurers. These include:
Rehabilitation and retraining benefits
A monthly benefit which automatically increases annually in line with any Consumer Price Index (CPI) changes, unless you request otherwise
A 5% multi-policy discount if you hold more than one eligible BT Protection Plan policy
Guaranteed continued cover as you continue to pay your premiums
Product upgrades, that don't result in an increase in premiums, get automatically applied to your existing policy
Note: Be sure to check the Product Disclosure Statement (PDS) for terms and conditions.
Applying for cover
To apply for BT cover,
You must be aged 15 – 59 at the time of commencing cover or aged 17 – 65 for any replacement or reinstatement
You must be an Australian citizen, a permanent resident of Australia or the holder of an eligible spouse/partner or work visa
You must work at least 20 hours per week
You must be working in an eligible occupation (speak to a financial adviser or contact BT Customer Relations for more on eligibility)
You must not be an undischarged bankrupt
Still wondering if BT is right for you? Here are the main pros and cons summarised:
Pros
You can also get cover in your super.
Policies are guaranteed to continue.
Cons
You can't take out cover if you're over 65.
What are some of the key exclusions?
As with any insurance, certain conditions and exclusions apply and in the case of BT Income Protection Insurance, a benefit will not be paid if your death or disability is caused directly or indirectly by:
an intentional self-inflicted act or attempted suicide
an accident while you are under the influence of alcohol or non-prescribed drugs
an act of war (whether declared or not), except when you die on war service
engaging in any sport, pastime or occupation not normally covered at standard rates
any condition that you knew about before applying for cover.
How do I lodge a claim?
BT has a dedicated claims consultant who will talk you through how to lodge a claim. This can make it easier for you to lodge a claim successfully. Not all insurers have this. In some cases, BT may be able to assess your claim on the spot, over the phone.
Compare other leading income protection insurance brands
These products offer great value, with a good score across both features and price.
7+
Great
These are competitive products, though they didn't quite get top scores.
5+
Standard
These products might offer less value or command a higher premium than others in the market.
0+
Basic
These products might only offer a basic set of features or aren't very competitive on price.
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How we picked these
Finder Score - Income Protection
Income Protection is a little complicated and a lot overwhelming. That's why we made the Finder Score, to make it easier to compare Life Insurance products against each other. Our experts analysed over 12 products and gave each one a score rank out of 10.
But a higher score doesn't always mean a product is better for you. Your situation is unique, so your policy choice will be too. Don't think of Finder Score as the final word, but as a good place to start your life insurance comparison.
Gary Ross Hunter has over 6 years of expertise writing about insurance, including life, health, home, and car insurance. Having reviewed hundreds of product disclosure statements and published over 800 articles, he loves simplifying complex insurance topics for everyday readers. Gary has contributed to major outlets like Yahoo Finance, The Sydney Morning Herald, and news.com.au, and holds a Bachelor of Arts (Honours) in English Literature from the University of Glasgow, along with a Tier 2 General Advice certification, ensuring his work adheres to ASIC’s RG146 standards.
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