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MetLife Protect Insurance

MetLife Protect is insurance as it should be: flexible, fast – and specially designed to keep pace with our rapidly changing lives.

What is MetLife Protect?

MetLife Protect lets you build insurance cover over time to suit your changing needs.

 It also provides you with a better customer experience and saves you time.

It’s flexible, so you can simply add the ‘extras’ that matter to your existing policy – such as Home Loan Extras (Specified Events), to provide additional financial support in case of illness, injury or death, or Key Person Extras if you decide to start a small business.

And most importantly, it’s affordable – allowing you the unique option to pay for some of your policy through your super.

Fast and easy online applications

Fast and easy online applications

Fewer questions to answer

Fewer questions to answer

Improved customer experience

Improved customer experience

Same day pre-assessment response

Same day pre-assessment response 

Why MetLife Protect

At MetLife, we know insurance. We also know that every person is unique. That’s why we created MetLife Protect.

Now you can choose a policy that suits your needs and then easily adapt it with building blocks of flexible cover as your life, and your needs change.

Discover a better customer experience, with fewer questions, fast and easy online applications, plus a same day pre-assessment response to your application. Additionally, a range of extra support services are available if you need them – such as mental health support and grief counselling (in case the life insured is diagnosed with a terminal illness), financial planning assistance, rehabilitation and return-to-work planning services, and more+.

We’ve also made MetLife Protect more affordable by giving you the option to pay for some policies from your super fund*, and some directly, along with multi-policy discounts, multi-lives discounts and healthy BMI discounts. 

*To pay inside your super, you need to have a SMSF or be a member of the MetLife Australia Superannuation Fund. MetLife Protect Super is our insurance in superannuation policy and accepts rollovers from your nominated superannuation fund.

+ These support services are at the discretion of MetLife.

MetLife Protect. We’re doing insurance differently. Especially for you.
Why MetLife Protect Insurance

MetLife Protect + Extras

We understand that every person is unique – and every lifestyle is different.

That’s why MetLife Protect allows you to build insurance over time to suit your changing needs by simply adding the ‘extras’ that matter to your existing policy as your life changes.

Life Insurance Life+
  • Home Loan: provides additional financial support in case of illness, injury or death      
  • Buy/Sell: supports your succession plan, with an immediate business expenses benefit
Total and Permanent Disability TPD+
  • Employment: allows you to restore your Linked Life Cover following a TPD claim 
  • Specialist: covers 100% of the total amount in the event of permanent inability to work in your usual occupation.
  • Business: covers 100% of the total amount in the event you become permanently unable to work in your business
Income Protection Income Cover+
  • Professional: covers a number of benefits aligned to professional workers
  • Provide & Care: cover in case you need to take leave to care for a dependent child
  • Key Person: support for your business in case a key person in your business is disabled
  • Sole Trader: pays simple business expenses
Trauma Insurance Trauma+
  • Family: cover for your dependent child in case they suffer from a serious illness
  • Individual: boosted benefits for some covered trauma conditions

Speak to your adviser

We live in a fast-paced world, but with MetLife it’s easy to protect what matters as your life changes.

Contact your financial adviser today for more information.

If you don't have a financial adviser, we can help you find one.

Find an adviser

Product Disclosure Statement

Download and read the MetLife Protect and MetLife Protect Super Supplementry Combined Product Disclosure Statement and Policy Terms (prepared 1 April, 2020).

Life Insurance
Life Insurance

Protect your loved ones with a lump sum paid to your beneficiaries or estate if you die or become terminally ill.


Total and Permanent Disability (TPD) Insurance
Total and Permanent Disability Insurance

Provides a lump sum payment for you if you become totally and permanently disabled and are unable to work. 

Trauma Insurance
Trauma Insurance

Ensures you are protected if you suffer from a specified serious illness (such as cancer) or a specified serious injury, such as losing a limb.


Insurance Protection Insurance
Income Protection Insurance

Keep your life on track with a regular benefit if you are temporarily unable to work due to an illness or injury.


Claims philosophy

Claims philosophy

Insurance is a promise we mean to keep – and a claim is our moment of truth. You can count on us to be there when you need us most, guaranteeing a claims decision within 10 days of getting your information.


What is underwriting?

What is underwriting?

Underwriting can make all the difference when individual circumstances need to be factored in. That’s why we employ a dedicated and experienced local underwriting team to find the very best solution for your MetLife insurance.


Insurance calculator

Insurance calculator

Our calculator is designed to provide you with an estimate of how much insurance protection cover you may need in the event of a trauma, death, total and permanent disablement (TPD) or if you are unable to work. Plus, it’s simple and easy to use.


How else can we help you?

Need a form? Have a question? Or simply want to find out more about the benefits of MetLife insurance solutions.

MetLife Protect is issued by MetLife Insurance Limited (ABN 75 004 274 882, AFSL 238096). MetLife Protect Super is issued by Equity Trustees Superannuation Limited (ABN 50 055 641 757, AFSL 229757). This information is of a general nature and has been prepared without taking into account your objectives, financial situation or needs. You should seek independent financial advice having regard to your objectives, financial situation and needs. We recommend that you read the MetLife Protect Product Disclosure Statement, which can be downloaded on this page, before deciding whether to acquire, or to continue to hold, these products.

By accessing this website you agree to comply with MetLife's Legal Notices

From 1 November 2018 the Australian Complaints Authority (AFCA) has replaced all other complaint bodies. AFCA considers complaints that previously would have been handled by the Financial Ombudsman Services (FOS), the Credit and Investments Ombudsman and the Superannuation Complaints Tribunal (SCT). AFCA provides a fair and independent complaint resolution service that is free to consumers

All references to FOS and SCT have been replaced by AFCA. These changes to the PDS take effect from 1 July 2019. The PDS otherwise remains unaltered. All other terms, conditions and exclusions will continue to apply.