Life, Income &
Home Loan Insurance

Protection for real life.

First month free!

On your first year you’ll only pay 11 months premium.

Life doesn’t fit neatly into boxes and neither do people’s circumstances.

Stella provides access to information about Ezicover Life Insurance, Ezicover Income Protection and Zurich Home Loan Protection, so you can learn more about the cover options available and decide whether you’d like to explore them further with the insurer.

Whether you’re building a career, caring for others, or protecting the home you’ve worked hard for, this page helps you understand what each type of cover is designed to do and how to take the next step.

About Stella

Insurance information can feel complex and difficult to navigate.

Stella is a women-focused insurance brand that aims to make insurer-provided information clearer and more accessible, by presenting it in a way that’s easier to understand.

Why this matters

Many women in Australia remain underinsured, particularly for life and income protection. Changes such as career breaks, part-time work and unpaid caring responsibilities can affect household finances if something unexpected happens.

Understanding what different types of cover are designed to do can help people decide whether they want to learn more.

Support designed around women’s lives.

Customers who take out Ezicover Life insurance, Ezicover Income Protection or Zurich Home Loan Protection through Stella receive 12 months’ free access to Anya, a digital health app designed to support women through different life stages.

T&Cs apply.

Your cover options

Ezicover insurance products are designed to provide financial support in different situations, depending on the cover selected.

The information on this page is factual and general in nature. It is intended to help you understand what each product is designed to cover and how to access further information from the insurer.

Life Insurance

Life insurance is designed to provide financial support if something unexpected happens.

  • If you pass away, a lump sum may be paid to help your loved ones cover living expenses and financial commitments.
  • If you’re diagnosed with a terminal illness with less than 12 months to live, you may receive your lump sum in advance.
  • Apply for two policies together and, if both are accepted, you may receive a 10% discount on the second policy.

Income Protection

Income protection is designed to help protect your income if you’re unable to work due to sickness or injury.

  • Monthly income support: You could receive up to 70% of your pre-disability income, up to $12,000 per month, after your chosen waiting period.
  • Flexible cover options: Choose a waiting period of 30, 60 or 90 days and a benefit period of 1, 2 or 5 years.
  • Choose between sickness and injury cover, or injury only cover.

Home Loan Protection

Home Loan Protection is designed to help protect your mortgage and support your repayments if life takes an unexpected turn.
  • Cover may be available for the outstanding balance of your home loan up to $1 million.
  • A lump sum may help pay your loan if you pass away or are terminally ill.
  • Minimum loan repayments may be paid if you’re unable to work due to illness, injury or involuntary unemployment, up to set limits.

More than insurance. Support designed around women’s lives

Customers who take out Ezicover Life insurance, Ezicover Income Protection or Zurich Home Loan Protection receive 12 months’ free access to Anya, a digital health app designed to support women through different life stages. T&Cs apply*

Access to Anya is also available to partners or family members of the policyholder, so they can better understand and support women through areas such as menstrual health, fertility, pregnancy, post-natal care and menopause.

Anya provides evidence-based information, practical tools and access to professional support to help women feel informed, supported and in control of the health.

Because real protection looks like support, not just policies.

Complete, expert care for every stage of life

From menstruation to menopause. Tailored for you. Personalised & powered by AI.

How it works

Explore your options

Learn about the cover types and what they’re designed to protect.

Choose what fits your life

Decide what level of protection feels right for you.

Get a quote

When you’re ready, you’ll be taken through to the insurer’s secure website to complete your quote.

Frequently asked questions

Stella is a purpose-driven insurance brand that is mission-led, authentically different and passionately pro-women. We are passionate about challenging the status quo, championing equality and building products for a fairer world.

At Stella, we prioritise the needs and lifestyles of women, adapting and tailoring product and experiences with you in mind. We want to empower customers and humanise insurance which is clearly no small challenge.

Beyond insurance, we partner with like-minded people and organisations creating a community to drive actionable change for women. A portion of our profits is given to women focused charities and organisations with a shared vision to help improve the lives of women. The world moves forward when we work together, as partners, allies, equals.

No, we are not for women only. We are a female-focused brand with a vision to balance the gender biases that exist for women. In saying that, we help men and non-binary people too and see ourselves as an inclusive community.

We have thousands of customers who are men and non-binary and are proud that our customers are supportive of our position to support and empower women.

You can get a quote online by clicking ‘Get a quote’. You’ll be taken to Zurich’s website to complete your quote and, if you choose, purchase your policy directly with them.

Eligibility depends on the type of cover and your individual circumstances. When you apply, you’ll be asked questions to help determine whether you are eligible for the cover chosen.

Yes. Your personal information is handled in accordance with privacy laws and the Zurich’s privacy policy.

Ezicover Life Insurance, Ezicover Income Protection and Zurich Home Loan Protection are issued by Zurich Australia Limited (ABN 92 000 010 195, AFSL 232510).

You’ll be taken to Zurich’s website to complete your quote and, if you choose, purchase your policy directly with them.

Claims are managed by Zurich. For more information, please refer to Making a Claim – Zurich Australia.

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