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Virgin Insurance Benefits for Home Loan Customers

With Virgin Insurance, it’s easy to protect what matters most to you. When you have a home loan to manage, there are a few things you may want to consider. Like whether you're protecting your home from the moment you own it. And who’ll take care of the repayments if something happens to you. These things may be tough to think about, but it pays to be prepared.

As a Virgin Money Reward Me Home Loan customer, when you take out a new Home, Contents, Life or Income Protection policy, we’ll reward you with 10,000 Velocity Points. It's our special way of saying thanks for keeping things in the family. See the "Important Information" section for more details.

Benefit of Virgin Home and contents insurance

Virgin Home and Contents Insurance

At Virgin Money, we understand each home-owner has different needs. Whether you're after building insurance, contents insurance or both, Virgin Home and Contents Insurance25 can help protect your castle and the things you love within it.

Velocity Points

Get the home advantage with 10,000 Velocity Points27

As a Reward Me Home Loan customer, you'll receive 10,000 Velocity Points when you buy Virgin Home Insurance, Virgin Contents Insurance or both.

Earn points

Make yourself at home with our choice of cover options

Choose between home, contents, or combined home and contents insurance for added peace of mind. Optional Landlord Insurance is also available to protect against damage caused by tenants (when home insurance is purchased).

Optional extras

Your home, your way with great optional extras

We offer great optional extras to cover flood, personal effects, motor burnout and accidental damage so you can protect more of the things you love.

Discount

Save 35% when Home and Contents Insurance is combined online26

Receive a 35% discount when you combine Virgin Home and Contents Insurance Price Saver online. Plus, you can adjust your excess to save even more.

Always open

Our door is always open

Cover is simple to sort out online or over the phone in just a few minutes. We'll be there to help sort out claims quickly with minimal fuss.

Once your home loan has been conditionally approved, we'll send you an email with more information on Virgin Home and Contents Insurance and how to get a quote.
Protect your family with Virgin Life Insurance

Virgin Life Insurance

Deep down, when we have a home loan to worry about, we know we should consider life insurance. We insure our cars and other material belongings, yet we often don’t stop to think about insuring ourselves. Or the future.

What if something unexpected were to happen? Do you have a 'Plan B' that’ll help see the family through with mortgage repayments? Virgin Life Insurance can help protect the people you love financially if you’re no longer around to help.

Bonus Points

Get the inside deal with 10,000 Velocity Points30

As a Reward Me Home Loan customer you'll receive 10,000 Velocity Points when you take out Virgin Life Insurance.

Cover option

It's your life choose the cover option to suit you

Nominate the type and amount of cover that suits you. Plus, choose from our two simple ways to get covered:

Quick & Easy
  • On-the-spot29 cover up to $750,000
Tailored
  • Answer some health and lifestyle questions and apply for cover up to $1.5 million
Affordable cover

Affordable cover with more ways to save

There are options to freeze your premiums for the life of the policy33. Plus, save more with discounts for couples and on annual payments.

Applying is easy

Applying is easy

Get covered quickly with no medical exams or blood tests. You can sort out life insurance online or on the phone in just a few minutes.

Family first

We put your family first

We're there when your family need us the most. Claims are sorted out quickly with minimal fuss.

Once your home loan has been conditionally approved, we'll be in touch to find out if you'd like to speak with one of our insurance specialists.
Protect your lifestyle with Virgin Income Protection

Virgin Income Protection

Sickness, injury or involuntary redundancy could seriously affect you, your lifestyle and the world you've worked so hard to build. Virgin Income Protection will help replace lost income should the unexpected happen to you, so you can better stay on top of your home loan repayments until you're back on your feet.

Visa paywave

Get the inside deal with 10,000 Velocity Points30

As a Reward Me Home Loan customer, you’ll receive 10,000 Velocity Points when you protect your lifestyle with Virgin Income Protection.

Cpver options

Work it your way with a choice of cover options

Choose from our two simple ways to get covered:

Quick & Easy:
  • On the spot28 cover with no lengthy health or lifestyle questions asked
  • Cover up to 85% of pre-tax monthly income up to $7,500 per month
Tailored:
  • Answer some health and lifestyle questions to potentially reduce premiums
  • Cover up to 85% of pre-tax monthly income up to $10,000 per month
Optional involuntary redundancy

Give yourself some breathing space with Involuntary Redundancy cover

Help keep things on an even keel while you're looking for work with our optional Involuntary Redundancy cover.

How it works: We'll pay a monthly benefit for up to 3 months if you’re made involuntarily redundant. Cover is up to 85% of your pre-tax income up to $3,000 per month. Available to individuals aged 18-60 who are self-employed or permanent employees working a minimum of 30 hours a week. Cover commences 6 months from cover start date. Waiting periods, limitations and exclusions apply. See PDS for details.

Cover more people

Cover for more people from mechanics to mums

Over 1,000 jobs covered with our wide occupation list. Whatever your working situation, we have options for full-time, part-time, self-employed and stay-at-home parents.

Applying is easy

Applying is easy

Get covered quickly with no medical exams or blood tests. You can sort out Income Protection insurance online or on the phone in just a few minutes.

There when you need us

There when you need us

We'll be by your side when you need us most. Claims are sorted out quickly with minimal fuss.

Once your home loan has been conditionally approved, we'll be in touch to find out if you'd like to speak with one of our insurance specialists.

You should also consider

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Velocity Points calculator – See how your Velocity Points add up

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Velocity Rewards

Velocity – find out more about Velocity

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Virgin Benefits

Virgin Family Perks – great offers from the Virgin family

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Download our Product Essentials Guide

Download our little features and benefits guide and have it handy when you meet with a broker to discuss your home loan needs

Download Reward Me Home Loan (Variable) Product Essentials

Download Reward Me Home Loan (Fixed) Product Essentials
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Important stuff

Information is current as at 1 September 2016 and is subject to change.

Home Loans: Virgin Money (Australia) Pty Limited ABN 75 103 478 897 promotes and distributes the companion account and the home loans as the authorised representative and credit representative of the issuer and credit provider, Bank of Queensland Limited ABN 32 009 656 740, Australian Credit Licence/AFSL 244 616 (the 'Lender').

The Lender's standard credit assessment criteria apply. Interest rates quoted are indicative only, and are subject to change without notice. See fees and charges that may be payable.

#Comparison rate: Comparison rate calculated on a loan amount of $150,000 for a term of 25 years. For fixed rates, the comparison rate is also based on an LVR of 80% or less. These rates are for secured lending only. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Insurance Products: Virgin Car, Virgin Home & Contents Insurance, Virgin Life Insurance and Virgin Income Protection Insurance are promoted by Virgin Money (Australia) Pty Limited (Virgin Money) as the Authorised Representative No. 280884 of Virgin Money Financial Services Pty Ltd AFSL 286869. Car, Home and Contents: Auto & General Services Pty Ltd (ABN 61 003 617 909; AFSL 241411) arranges the insurance on behalf of the product issuer, Auto & General Insurance Company Limited (ABN 42 111 586 353; AFSL 285571). Life and Income Protection: distributed by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260. Policies administered and claims paid by TAL Direct under an agreement with the insurer. St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 issues the Involuntary Unemployment Cover. All other benefits insured by TAL Life Limited ABN 70 050 109 450 AFSL 237848. Product Disclosure Statements are available for download from virginmoney.com.au and should be considered prior to making any financial decision.

Information on our insurance products is of a general nature only and does not take into account your personal financial situation, needs or objectives. For this reason, you should consider the appropriateness of this information, having regard to your personal financial situation, needs and objectives as well as the Product Disclosure Statement and Financial Services Guide before deciding whether to buy or to continue to hold this product.

Credit Cards: Virgin Money (Australia) Pty Limited ABN 75 103 478 897 ("Virgin Money") distributes the Virgin Money Credit Cards ("Credit Cards") as the authorised credit representative of Bank of Queensland Limited ABN 32 009 656 740, Australian credit licence 244616 ("BOQ"). Citigroup Pty Ltd ABN 88 004 325 080 AFSL/Australian credit licence 238098 ("Citibank") is the credit provider and issuer of the Credit Cards. All interest rates shown are variable. Applicants must be at least 18 years of age to apply for a credit card. Permanent residents must earn at least $25,000 p.a. for the Virgin Money No Annual Fee Card, $35,000 p.a. for the Virgin Money Low Rate Card and Virgin Australia Velocity Flyer Card or $75,000 p.a. for the Virgin Australia Velocity High Flyer Card. Approval is subject to Citibank's credit criteria.

BOQ does not and will not guarantee or otherwise support Citibank’s obligations under the contracts or agreements connected with the Credit Cards and Citibank will not guarantee or otherwise support BOQ's obligations under the home loans.

Virgin Money's exclusive home loan offers cannot be combined with other Virgin Money credit card or Virgin insurance offers and do not apply to any renewal offers of insurance. Virgin Money reserves the right to change or withdraw these exclusive offers at any time without notice.

To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at www.velocityfrequentflyer.com, as amended from time to time. Only the person listed as the Primary Borrower on the application will be eligible for Velocity Points, subject to meeting our eligibility criteria.

1,000 Velocity Points allocated for every full $10,000 drawn at settlement.

Anniversary Points, currently 30,000 Velocity Points, are paid on every 3 year anniversary of the settlement date provided total borrowings are greater than $50,000 (net of any balances held in a linked offset facility). Points are only paid once regardless of the number of split borrowings a customer has with us and they must be a continuous Reward Me Home Loan customer during the period.

You may apply for rate lock by paying a fee before the lending date or effective date of the relevant fixed rate.

1,000 Velocity Points per loan account per month.

All customers who apply for a home loan between 1 September 2016and 31 October 2016 (inclusive) and settle by 28 February 2017 will receive an additional 1,000 bonus Velocity Points for every full $10,000 drawn at settlement. Points will be credited to the Primary borrowers Velocity Account only, up to 60 days after settlement.

Offer available to Virgin Money (Australia) Pty Limited ABN 75 103 478 897 Reward Me Home Loan customers. Access to the offer is via the Hub (online account access portal). Neither Virgin Money nor any of its related companies accepts any liability for Virgin Money customer use of the Virgin Australia booking system, the Virgin Australia carrier service or any related matters concerning travel with Virgin Australia. Discount is available on bookings made from 22 April 2016 until midnight 30 December 2016, for travel from 22 April 2016 until 30 June 2017. Discount is only available on fares purchased at least 20 days prior to travel. 10% discount applies to year round fares and does not apply to sale fares.  Discount cannot be used in conjunction with any other offer. Discount is applied automatically at the time of booking in the Hub (online account access portal). All fares are subject to availability and may vary until ticketed. Offer is only valid for travel on Virgin Australia operated and numbered flights between Australian domestic ports. Discount is applied to the base fare component only and is not applied to the taxes, airline surcharges, or any other fees or charges. Seats are limited and may not be available at peak times or on all flights. Add a Booking and Service fee of $7.70 per person per booking when using a credit or debit card or PayPal. Add $35 when booking by phone or at the airport. Bookings can be changed/cancelled by paying the fee and any applicable fare difference in accordance with the fare rules, as published on the Virgin Australia website on the day you request your change. For current change and cancel fees, see Virgin Australia’s domestic Fees page. Name changes and refunds are not permitted. For a redemption booking, the payment amount will comprise of taxes. A fee will apply to redemption bookings if booked by phone ($35 or 4,500 Points per person for Virgin Australia domestic and international short-haul redemption bookings and $60 or 7,500 Points per person for Virgin Australia international long-haul redemption bookings and redemption bookings on Velocity's international partner airlines). Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Any taxes or fee components are not eligible for Points earn. A minimum checked baggage allowance of 1 piece up to 23kg applies for Economy Reward Seats and allowances increase for Silver, Gold and Platinum members. View baggage allowances for Reward Seat Redemptions. Additional fees will be charged for baggage in excess of the published allowances. Fees are chargeable at the time of purchase and are more expensive if not purchased prior to arriving at the airport. Conditions and travel restrictions apply for all fares. Fares to international destinations not operated by Virgin Australia will be flown by one of Velocity’s international partner airlines. Baggage allowances for flights operated by partner airlines will vary in accordance with the individual policy of that carrier. Please check the operating carrier’s website for full details. More information on which of our partners can fly you to your chosen destination can be found by viewing our Interactive Route Map.

Your total balance transfers may not exceed 80% of your credit limit. The balance transfer interest rate applies to balances transferred with this offer at point of new card application, for the period shown. At the end of the balance transfer period, the interest rate on any outstanding transferred balance will revert to the interest rate for cash advances; currently 20.99% p.a. for the Virgin Australia Velocity Flyer Card, Virgin Australia Velocity High Flyer Card, and 21.69% p.a. for the Virgin Money Low Rate Card. Velocity Points are not issued for balance transfers. Interest rates are variable and subject to change. The interest rates are current as at 29 April 2016. This offer is valid from 4 April 2016 to 31 October 2016.

Virgin Australia Velocity Credit Card holders who use their Card to book a flight with a “VA” flight number online at www.virginaustralia.com or by calling 13 67 89, will earn Velocity Points at the Virgin Australia Earn Rate. The Virgin Australia Earn Rate is 1 Velocity Point per $1 spent for Virgin Australia Velocity Flyer cardholders and 3 Velocity Points per $1 spent for Virgin Australia Velocity High Flyer cardholders. Velocity Points are calculated based on the Australian dollar value of the booking and are awarded for each whole Australian dollar spent. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at www.velocityfrequentflyer.com, as amended from time to time.

If you do not pay your account in full by the due date and you carry a balance on your credit card from month to month the 44 days interest free period does not apply. If you then make a purchase you are charged interest. You will then need to pay your balance off in full for 2 consecutive months for the maximum 44 days interest free period to take effect. No interest free period is available on Cash Advances or Balance Transfers.

To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at www.velocityfrequentflyer.com, as amended from time to time. Velocity Points are earned on Eligible Transactions only. Eligible Transactions means any retail purchase which is made by the use of a Card or any other means permitted by Us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account and transactions made in operating a business.

Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use. Please ask us for additional details.

The Virgin Australia Gift Voucher benefit is available to Primary Cardholders only and provides one Virgin Australia Gift Voucher to the value of $129 (AUD) each year. You will become eligible for your $129 Virgin Australia Gift Voucher 30 days after card approval in your first year and 30 days after your card anniversary thereafter provided you have made a retail purchase as the Primary Cardholder on your card within 2 months prior to requesting your voucher, your account is active and in good order and you are a Velocity Frequent Flyer Member. See Terms & conditions for full details.

20,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity High Flyer Card account holders who apply by 31 October 2016. Make an Eligible Transaction within 3 months of card approval date and earn 10,000 bonus Points. Plus, you can earn a further 10,000 bonus Velocity Points if you spend $10,000 on Eligible Transactions within 3 months of card approval date. Eligible Transactions means any retail purchase which is made by the use of a Card or any other means permitted by us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account and transactions made in operating a business. Credit Card application must be submitted by calling our Home Loan Team on 13 81 51 and the applicant must be a Virgin Money Reward Me Home Loan customer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity High Flyer Card account. Velocity membership and Points earn and redemption are subject to the member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer can’t be used in conjunction with other Virgin Australia Velocity High Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

20,000 bonus Velocity Points offer is available to new approved Virgin Australia Velocity Flyer Card account holders who apply by 31 October 2016. Make an Eligible Transaction within 3 months of card approval date and earn 10,000 bonus Points. Plus, you can earn a further 10,000 bonus Velocity Points if you spend $5,000 on Eligible Transactions within 3 months of card approval date. Eligible Transactions means any retail purchase which is made by the use of a Card or any other means permitted by us, excluding (but not limited to) transactions by way of Cash Advances, Balance Transfers, Special Promotions, fees, BPAY payments, purchases of foreign currency and travellers cheques, foreign exchange and ATM/Bank charges, interest charges, finance charges, government charges, payments to the Australian Taxation Office, insurance charges, payments to loan accounts (mortgage etc), purchases in excess of limits on the Account and transactions made in operating a business. Credit Card applications must be submitted by calling our Home Loan Team on 13 81 51 and the applicant must be a Virgin Money Reward Me Home Loan customer. Points will be credited to the Primary Cardholders Velocity Account up to 60 days after the qualifying purchases. To earn and redeem Velocity Points there must be an active Velocity Membership linked to the Virgin Australia Velocity Flyer Card account. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer can’t be used in conjunction with other Virgin Australia Velocity Flyer Point promotions or offers. Offer is not available to existing Virgin Money Credit Card holders (including upgrades).

The complimentary Lounge pass benefit is available to Primary Virgin Australia Velocity High Flyer Cardholders only and provides two Single-Entry Virgin Australia domestic Lounge passes each year. You will become eligible for your two Single-Entry Virgin Australia domestic Lounge passes upon card activation in your first year and then each anniversary thereafter. See Terms & Conditions for full details.

The quoted redemption booking details are correct as at 18 June 2016 and are subject to change. A card payment fee may apply for bookings made via the Velocity website. For customers wishing to book a Reward Seat for travel on Etihad Airways operated flights, an Etihad Airways Carrier Charge will apply. View more information. Redemption bookings are based on a one-way Reward Seat, are subject to availability and to the Velocity Membership Terms and Conditions and must be booked at velocityfrequentflyer.com. Seats are limited and may not be available at peak times or on all flights. Name changes are not permitted. Refunds and itinerary changes are permitted prior to travel, and may be subject to a service fee, fare differences (if applicable) and fare restrictions as outlined on the Virgin Australia website. Bookings for Reward Seat itineraries to, from or via the United States made at least 7 days prior to departure may be cancelled up to 24 hours after confirmation, without penalty by calling the Membership Contact Centre on 13 18 75. For a redemption booking, the payment amount will comprise of taxes. A fee will apply to redemption bookings if booked by phone ($35 or 4,500 Points per person for Virgin Australia domestic and international short-haul redemption bookings and $60 or 7,500 Points per person for Virgin Australia international long-haul redemption bookings and redemption bookings on Velocity's international partner airlines). Taxes, fees and surcharges are payable in addition to Velocity Points redeemed. Any taxes or fee components are not eligible for Points earn. A minimum checked baggage allowance of 1 piece up to 23kg applies for Economy Reward Seats and allowances increase for Silver, Gold and Platinum members. View baggage allowances for Reward Seat Redemptions. Additional fees will be charged for baggage in excess of the published allowances. Fees are chargeable at the time of purchase and are more expensive if not purchased prior to arriving at the airport. Conditions and travel restrictions apply for all fares. Fares to international destinations not operated by Virgin Australia will be flown by one of Velocity's international partner airlines. Baggage allowances for flights operated by partner airlines will vary in accordance with the individual policy of that carrier. Please check the operating carrier's website for full details. More information on which of our partners can fly you to your chosen destination can be found by viewing our Interactive Route Map.

Exclusive Visa Platinum 24/7 concierge service supplied by a third party supplier. Visit visaplatinum.com.au for details.

For claims lodged on or after 1 May 2016, Complimentary Insurance is provided automatically to cardholders under a Group Policy issued to Citigroup Pty Limited by AGA Assistance Australia Pty Limited (trading as Allianz Global Assistance) (AFSL No.245631 ABN 52 097 227 177) on behalf of the insurer Allianz Australia Insurance Limited (AFSL No. 234708 ABN 15 000 122 850) and is subject to Terms, Conditions, exclusions. Limits and excess may apply. Full Terms and Conditions are available here. For claims lodged prior to 1 May 2016, Complimentary Insurance is provided automatically to cardholders under a master agreement between Zurich Australian Insurance Limited ABN 13 000 296 640, AFSL No. 232507 and Citigroup Pty Limited, and is subject to Terms, Conditions and exclusions. Limits and excess may apply. Full Terms and Conditions are available here.

Exclusions and conditions apply. See the Product Disclosure Statement for full details. Not available in Northern Territory, North Queensland and Northern Western Australia.

The 35% discount applies to new combined Virgin Home and Contents Insurance policies purchased online between 1 March 2016 and 31 December 2016. GST and statutory charges still apply. Cannot be combined with other Virgin insurance offers and does not apply to any renewal offer of insurance. We reserve the right to shorten or extend the period the discount is offered and vary the amount of the discount.

10,000 Velocity Points is available to new Virgin Home and/or Contents Insurance customers who have a settled Virgin Money Reward Me Home Loan and are listed as the Primary Borrower. Offer is only valid if you purchase a Virgin Home and/or Contents policy online at virginmoney.com.au/home-and-contents and a valid Velocity number is provided at the time of application. Maximum of 10,000 Velocity Points per policy. In order to receive the Points, the policy holder’s name must match the Velocity name and account number provided and the policy must not be cancelled within 21 days of policy commencement date. Points will be credited to the eligible Velocity account up to 60 days after the policy has become active and the 21 day cancellation period has expired. This offer is valid from 01 March 2016 to 31 December 2016 and is subject to change or removal at the discretion of Virgin Money. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer cannot be used in conjunction with any other Virgin Money Home and Contents Insurance Velocity offers, is not redeemable for cash and is not transferrable. Offer is not available to existing Virgin Home & Contents Insurance customers (including renewals).

Virgin Income Protection Insurance is available to Australian residents between 18-60 years of age. Applications subject to acceptance. On the spot cover is available with our Quick & Easy option. Exclusions apply including pre-existing medical conditions, suicide, and dangerous activities. See the PDS for full details.

Virgin Life Insurance is available to Australian residents aged 18-65 years of age. On the spot cover is available with our Quick & Easy option. Exclusions apply including Pre-Existing Medical Conditions, Known Genetic Conditions, suicide, Dangerous Occupations and Dangerous Pastimes. See the PDS for full details.

10,000 Velocity Points is available to new Virgin Life Insurance and Virgin Income Protection customers who have a settled Virgin Money Reward Me Home Loan and are listed as the Primary Borrower. Offer is only available when applied for over the phone and a valid Velocity number is provided at the time of application. Maximum of 10,000 Velocity Points can be received for each new Virgin Life Insurance and/or Income Protection policy. In order to receive the Velocity Points the policy-holder’s name must match the Velocity name and account number provided and the policy must not be cancelled within 30 days of purchase. Points will be credited to eligible Velocity account up to 60 days after the policy has become active and the 30 day cancellation period has expired. This offer is valid from 01 March 2016 to 31 December 2016 and is subject to change or removal at the discretion of Virgin Money. To earn and redeem Velocity Points, you must be a Velocity member. Velocity membership and Points earn and redemption are subject to the Member Terms and Conditions, available at velocityfrequentflyer.com as amended from time to time. This offer cannot be used in conjunction with any other Virgin Life Insurance or Virgin Income Protection offers, is not redeemable for cash and is not transferrable. Offer is not available to existing Virgin Life Insurance or Virgin Income Protection customers (including renewals).

Involuntary Unemployment cover which pays out up to 85% of your pre-tax income up to $3,000 per month for up to 3 months, is available if you are self-employed or a full time permanent employee working a minimum of 30 hours per week and aged 18-60. You must have held the cover for six months prior to any claim. Eligibility and waiting periods apply. Refer to the Product Disclosure Statement for terms and conditions.

Cover up to 85% of your pre-tax monthly income, up to a maximum of $10,000 per month with our Tailored Cover option.

If premium freeze is selected the sum insured will decrease as you age.

10,000 Velocity Points is available to new Virgin Home, Contents, Life and/or Income Protection Insurance customers who have a settled Virgin Money Reward Me Home Loan and are listed as the Primary Borrower. Maximum of 10,000 Velocity Points per policy (not available on renewals). This offer is valid from 01 March 2016 to 31 December 2016 and is subject to change or removal at the discretion of Virgin Money. For full offer details, see http://virginmoney.com.au/home-loans/rewards-and-benefits/virgin-benefits/.