Asteron Lifeguard® product range

Winner of the Plan for Life/AFA Product Features Award 2008, the Asteron Lifeguard® product suite provides real benefits to clients, their families and businesses.

Asteron Lifeguard® has been recognised with more than 25 industry accolades since its launch in April 2007.

Backed by Asteron’s unparalleled service delivery, you can be confident in recommending Asteron Lifeguard to your clients for their insurance needs.

  • Enhanced product features
    These include a premium-free Child Cover Option and a Cancer Cover Option. Existing clients receive enhancements without any change in their premiums wherever possible.
  • Sustainable premiums and consistency
    Asteron’s track record stands for reliability, fairness and responsibility to clients and advisers over the long-term.
  • Market-leading product development
    Product features and benefits that are designed in line with medical advancements, industry research and adviser and customer feedback.
  • Products that deliver more at claim time
    Our products are designed with claim time in mind. Plus we give clients access to an independent grief support service, funeral advancement benefit and up to $2,500 financial planning benefit on our lump sum products.
  • Products that reward your clients the longer they hold their policy
    We want to reward your clients for staying covered. Our loyalty rewards increase the value of a number of benefits and features the longer the policy stays in-force.

Click on the links below for more information.

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AFA Product Features Winner 2008

Asteron income protection
Asteron trauma cover
Asteron Total & Permanent Disablement (TPD) cover
Asteron death cover
Asteron business expenses cover

A personal approach to risk assessment

When you or your client telephones Asteron, the call will be answered by a person and not a machine. 85% of calls are answered within 20 seconds.

Asteron has state-based underwriters and risk assessment support staff. You will be assigned a dedicated, local, underwriter to make the insurance application process even more efficient.

Making things easier at claim time

We understand that when it comes to making a claim, it will often be at a very difficult time for your client and their family. That’s why we’ve got efficient and empathetic claims processes in place to make things easier. Asteron assigns a case manager as soon as a claim is submitted, so you and your client have a single point of contact – from start to finish.

But more than that, we understand the important role advisers play during the claims process. You have the client relationship and you can help make claim time even smoother.

That’s why we’ve introduced adviser and client claims kits to help you guide your client through the process.

Asteron’s First Response Unit

We have introduced a ‘First Response Unit’ which is committed to assessing and paying income protection claims as quickly and efficiently as possible.

Asteron’s First Response Unit assesses and pays 1/3 of all income protection claims on the day we receive the completed forms.

You’ll find more information in Life AdviserConnect™

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Asteron is a specialist life insurance company in Australia committed to the long-term financial security of its customers. Asteron provides insurance products and services including income protection, trauma (recovery) insurance, total & permanent disablement, life (death) insurance and business expenses. Asteron is committed to helping customers get – and stay – healthy for life, by giving customers access to a health & wellbeing program - Asteron Life!