NEOS Protection

Helping Australians protect what's important

Having the right life insurance gives people the confidence to plan to achieve their life goals, while knowing that should the worst happen, they’re protected.

NEOS Protection is a life insurance product designed for that very purpose – to help Australians protect what’s important to them. It includes five types of cover – Life Cover, Total and Permanent Disability (TPD) Cover, Critical Illness Cover, Child Cover and Income Support Cover – allowing financial advisers to tailor insurance to the needs of their client.


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 & permanent disability.

Critical Illness Cover

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

Child Cover

Provides a lump sum payment if the insured child suffers a critical illness, is diagnosed as terminally ill or dies.

Income Support Cover

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

Every NEOS plan includes these
valuable features

For the full terms and conditions of these features, please refer to
the NEOS Protection Product Disclosure Statement


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


We guarantee to renew our customer’s plans each year until they expire, provided premiums are paid when due. This means we won’t cancel cover, place further restrictions on it, or increase base premiums because of changes to the insured person’s health, occupation or pastimes.


Any future improvements to the benefits provided under a NEOS Protection cover type will be made available to our customers, provided they don’t result in an increase in the premium and don’t disadvantage our customers in any way.

Any improvements will also apply to future claims with the exception of current claims, or to claims resulting from an illness, injury or disability, which occurred before these improvements came into effect.

Every NEOS plan starts with a promise