Life insurance options

360-degree protection

Having the right life insurance gives you the confidence to plan and achieve your life goals, while knowing that if the worst happens – you’re protected. And so is your family.

Encompass Protection is a product designed for this very reason – to help Australians protect what’s important to them.

It includes four types of cover – Life Cover, Total and Permanent Disability (TPD) Cover, Critical Illness Cover, and Income Protection Cover – so you can tailor your policy to your exact needs.

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Vivo does this by supporting your everyday health and wellness, and recovery needs through a range of services.

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Life Cover

Provides a lump sum payment if the insured person dies or is diagnosed with a terminal illness.

TPD Cover

Provides a lump sum payment if the insured person suffers a total and permanent disability.

Critical Illness Cover

Provides a lump sum payment if the insured person suffers a critical illness or injury.

Income Protection Cover

Provides a monthly payment that helps replace the insured person’s income if they’re unable to work due to sickness or injury.

Every Encompass Protection policy includes these valuable features:

For the full terms and conditions of these features, please refer to the Encompass Protection Product Disclosure Statement and Policy Document (PDS)


The insured person is fully covered, 24 hours a day, anywhere in the world.


As long as premiums are paid, cover will continue each year (even if the insured person’s health worsens), until your policy expires.


Whenever we improve the terms offered by Encompass Protection, and those improvements don’t result in a premium increase, those terms will be made available to you.

Every Encompass Protection policy
starts with a promise