While our team is available and happy to answer any questions you might have, we appreciate that sometimes it’s faster simply to find the answer yourself. That’s why we’ve created this frequently asked questions page – so that all the most commonly asked questions about Encompass Protection can be found in one central place.
Income Protection Cover replaces up to 70% of the insured person’s income if they’re unable to work due to illness or injury. This can help you cover day-to-day expenses such as school fees or mortgage and car repayments and allows you to focus on your recovery.
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Critical illness cover provides a lump sum payment if the insured person suffers a critical illness. You can use this money for any purpose, whether it’s to seek specialised medical treatment, reduce debts or make necessary lifestyle changes.
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TPD cover provides a lump sum payment if the insured person becomes totally and permanently disabled. This can help you pay medical expenses or cover the cost of necessary lifestyle changes.
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Encompass Protection is a highly rated suite of life insurance cover types available as self-owned or superannuation owned policies that will meet the needs of most customers, at very competitive prices. The cover types available under Encompass Protection include:
| Cover | Available as | Maximum sum insured at entry |
| Life Cover | Stand-alone | $3,000,000 |
| Total & Permanent Disability (TPD) Cover |
Attached to Life Cover Linked to Life Cover Split |
$3,000,000 |
| Critical Illness Cover | Stand-alone Attached to Life Cover Linked to Life Cover |
$1,000,000 |
| Income Protection Cover | Stand-alone | $20,000 per month |
Life Cover, TPD Cover and Income Protection Cover are available both inside and outside super.
Encompass Protection is issued by MLC Limited and promoted and administered by NEOS Life.
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