FAQs and quick answers
What is the Lifetime Reward?
The Lifetime Reward is a 10% discount on the Southern Cross Life & Living insurance premium (excluding the policy fee) for the life assured, who at the time of applying for the policy meets the non-smoker and BMI criteria. Lifetime Reward terms and conditions apply and are subject to change.
Note: Southern Cross Life Insurance policies applied for prior to 20 November 2025 are not eligible for the Lifetime Reward.
What is the definition of a non-smoker?
A ‘non-smoker’ is defined as someone who has not smoked tobacco or marijuana or used any nicotine replacement including vaping/e-cigarettes, nicotine gum, chewing tobacco or patches in the last 12 months.
What is BMI?
BMI means body mass index which is a calculation based on an individual’s height and weight.
