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October 1 Product Updates
Adviser Information Hub
October 1 Product Updates
Adviser Information Hub
October 1 Product Updates
Adviser Information Hub
Everything you need to know about our product changes from 1 October, 2025
We’ve created this ‘Information Hub’ as a one-stop knowledge and resource centre to help you understand the changes we are implementing to our products from 1 October 2025.
This new pricing option provides more stability and long-term value for your clients and offers more choice when designing solutions to better fit individual circumstances.
Our new flatter pricing option is available for variable age-stepped premiums across Life Cover, TPD Cover, Trauma Cover, and Income Secure Cover.
| Option | What it is | How it works | Best for |
| Option 1: Lower Upfront Pricing (Standard) | This option has slightly lower initial year 1 premiums. | The payments start low but will increase more over time. | Clients who want to pay less initially but are accepting of higher payments later in their policy lifecycle. |
| Option 2: Flatter Pricing | This option has slightly higher premiums in the beginning, but the increases are smaller over time. | The payments start at a higher price compared to standard pricing but is more stable and end up being cumulatively cheaper after about five years. | For clients that prefer more predictable payments and are planning to keep the policy for longer than about five years. |
Updated versions will be available from 1 October 2025: OneCare PDS | The Adviser Guide
| What has changed | The benefit |
| Extending the auto reinstatement window for client-requested cancellations from 7 days to 30 days. | Greater flexibility. This extension is designed to make it easier for your clients to keep their valuable protection in place if they reconsider. |
| Improved the exclusion period for a death benefit as a result of a self-inflicted act by the insured child for Child Cover. | Clearer protection. The updated exclusion period makes it easier to understand when the death benefit is applicable, ensuring transparency for families. |
Updated versions will be available from 1 October 2025: OneCare PDS | The Adviser Guide
| What has changed | The benefit |
Removing the ancillary death benefits from
| Simplified cover. We want to ensure our products are straightforward and easy to understand, so your clients know exactly what they’re covered for. This helps you make more informed decisions for your clients and ensures their cover matches their needs. |
| Open-heart surgery which will be relabelled to open-chest surgery with clarification of the definition. | With the improvements in medical technology we have updated with the label and definition to better reflect when your client would qualify for a claim. |
Updated versions will be available from 1 October 2025: OneCare PDS | The Adviser Guide