With FlexiSure Life Insurance, you will receive a 100% CASH PAYOUT of your Life Cover Benefit Amount on your 85th birthday.*



COVID-19 Update: We're open and our team are here to help with your insurance questions. Read more


*Provided your FlexiSure Life Cover Policy is still in place.

Who we are

FlexiSure is an Australian-based life insurance specialist, dedicated to distributing high quality life insurance products that are ethically designed, affordably priced and easily available to singles, couples and families all around Australia.

St Andrew’s is the insurer of FlexiSure Life Cover. Helping to protect Australians since 1998, St Andrew’s is a leading provider of consumer credit insurance and life insurance products. Each FlexiSure Life Cover Policy is written out of St Andrew’s statutory fund No.1.

Munich Reinsurance Company of Australasia Limited, which is part of the Munich Re Group, is the reinsurer of FlexiSure. Munich Re is the world’s largest reinsurer* and in the financial year 2012 had a premium income of €52bn.


* A.M.Best Top 50 Reinsurers - September 5, 2012

FlexiSure Life Cover



Note: FlexiSure Life Cover is currently unavailable to new applicants.

If you have a current Life Cover Policy, there will be no change to the terms or benefits and obligations under your policy, provided it is kept in force. Our Customer Care team is happy to assist with any questions you may have. Call us on 1300 279 279 (Monday – Friday, 9am to 5pm) or email

FlexiSure offers eligible Australians top quality, affordable life insurance cover designed to deliver one thing, and one thing only - peace of mind.

In the event of a valid claim, FlexiSure will provide a lump sum payment to help protect the financial future of your family and loved ones.

We offer a life insurance product that’s quick and easy to apply for, affordable, with guaranteed acceptance, and best of all, on your 85th birthday you will receive a 100% Cash Payout of your Life Cover Benefit Amount.

A FlexiSure Life Cover Policy is an investment in your family’s future happiness.



At FlexiSure, our aim is to provide Australians with easy to obtain, affordable Life Cover, with a great range of features and benefits:


    • It’s guaranteed!

Are you an Australian resident aged between 18 and 65? Then you automatically qualify for FlexiSure Life Cover - you’re guaranteed to be accepted.

    • It’s easy!

No medical tests, no paperwork, no underwriting - just quick and easy registration application, and approval within minutes.

    • It’s affordable!

You choose the level of cover, frequency of your premium payments, and the day on which you’ll pay them. It’s budgeting made easy!

    • It’s renewable!

Provided you stay up-to-date with your premiums, we guarantee to renew your cover for life!
It’s worldwide! No matter where in the world you are, your FlexiSure Life Insurance will cover you 24/7, both at home and away.

    • Prompt Payouts

Up to $500,000 of Life Cover

    • 100% CASH PAYOUT

100% CASH PAYOUT of your Life Cover Benefit Amount on your 85th birthday!



PLUS with the added benefits of:

  • an early payment on diagnosis of a Terminal Illness
  • optional Accident Cover up to $500,000
  • optional Children’s Cover up to $50,000
  • automatic cost of living increases to help your Policy keep up with inflation
  • Family Life Cover available to protect your Partner and dependent children, for added peace of mind
  • a 30 day money back guarantee

It’s easy to see why more and more Australians are trusting their family’s future to FlexiSure. Take a look at just how much our Life Cover has to offer and start putting a plan in place today.

Find out more about how our Life Insurance can benefit you. >>



FlexiSure Life Cover – more than just life insurance

While for most people, a life insurance comparison is all about the numbers, at FlexiSure we believe that true value is about more than just facts and figures. Instead, we measure value by the quality of the products we offer, and the rewards each one can bring, such as:

  • Affordable and easy to apply for Life Cover, providing you and your family with reliable protection within minutes.
  • Additional cover options, such as Accident Cover and Children’s Cover, designed to provide your family with additional protection.



FlexiSure Life Cover Summary

Cover type: Life Cover Accident Cover Children's Cover
Description of cover: Provides a lump sum payment on the Death of an Insured Person or diagnosis of a Terminal Illness. It is designed to give you peace of mind, knowing that if the unexpected happens you can help protect your family and loved ones' financial future. Provides a lump sum payment on the Accidental Death or Accidental Serious Injury of an Insured Person. Provides a lump sum payment if an Insured Child suffers an Accidental Death or a Child Trauma event.
Minimum and maximum age at Acceptance Date: 18 - 65 18 - 65 2 - 18
Minimum Benefit Amount $15,000 $15,000 $10,000
Maximum Benefit Amount $500,000 $500,000 $50,000


For more information read our Product Disclosure Statement >>




FlexiSure Life Cover is underwritten by a leading Australian insurer and backed by one of the world’s largest reinsurance companies.
Your future is waiting, and we want to help ensure it’s a bright one.







View in PDF

Product Disclosure Statement





View in PDF

Financial Services Guide





View in PDF

Nomination of Beneficiaries





View in PDF

Non Smoking Declaration



How to claim

If you, your nominated beneficiary, or your legal representative need to make a claim under your Policy, you or they should contact Flexisure by one of the following:

Phone: 1300 279 279 (Mon-Fri, 9am-5pm AEST)


Mail: Claims Manager, FlexiSure PO Box 1192 Chatswood NSW 2057


Claim Forms

 Contact us

COVID-19 Update:

We are here to help

We know that the onset of the Coronavirus has caused challenges for many Australians and at FlexiSure we are focussed on providing support to those who have been impacted.

Financial Hardship

We recognise that many Australians are facing challenging times. If you are experiencing difficulties in paying your premiums, we have a number of options available to you which will help you get back on your feet. Please call us to discuss.

Please note, postage of policy documents and response times to customer enquiries may take longer than usual.


To make a claim:

1300 279 279
(Mon-Fri, 9am-5pm AEST)


Claims Manager,
FlexiSure PO Box 1192
Chatswood NSW 2057


    To enquire about or amend your existing Policy:

1300 279 279 (Mon-Fri, 9am-5pm AEST)
Mail: Customer Service,
FlexiSure PO Box 1192
Chatswood NSW 2057


Questions or complaints:

If you need to make a complaint, please contact FlexiSure’s Customer Service Manager, who will work with you to resolve your concerns by one of the following:

Phone: 1300 279 279 (Mon-Fri, 9am-5pm AEST)
Mail: Customer Service Manager, FlexiSure, PO Box 1192, Chatswood NSW 2057

If additional information is required, it will be requested in writing. If your complaint remains unresolved within 45 business days, you can contact the Australian Financial Complaints Authority (AFCA) by one of the following:

Phone: 1800 931 678
Mail: Australian Financial Complaints Authority, GPO Box 3 Melbourne VIC 3001

Website :

The AFCA is a free service to you and its independent assessment of your complaint is binding on St Andrew’s and FlexiSure.

FlexiSure products are issued by St Andrew's Life Insurance Pty Ltd ABN 98 105 176 243, AFSL No 281731 and are distributed and promoted by FlexiSure which is a trading name of Select AFSL Pty Limited ABN 34 151 931 618, AFSL No 408647 of PO Box 1192, Chatswood NSW 2057. This website provides general product information only. Please consider the relevant Product Disclosure Statement before you decide to take out a FlexiSure product.

Privacy Policy | Terms & Conditions

© FlexiSure - All Rights Reserved

FlexiSure is underwritten by: