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Credit Protection Insurance

Credit Protection Insurance, issued by St Andrew’s, is designed to help cover your loan repayment obligations if an unforeseen insured event occurs.

Depending on the cover options selected, it may provide cover for loss of life, accident, sickness and involuntary unemployment.

Credit Protection Insurance is available for mortgages and lines of credit (Mortgage Protection), and personal loans (Loan Protection).


Choose from six possible cover combinations:

  • Life
  • Life with Accident & Sickness
  • Life with Involuntary Unemployment
  • Accident & Sickness
  • Accident & Sickness and Involuntary Unemployment
  • Life, Accident & Sickness and Involuntary Unemployment

Key features include:

  • Ability to finance the total premium into the loan/line of credit facility or pay monthly by direct debit
  • Single or joint cover available
  • Benefits are paid irrespective of other employee entitlements or other insurance company payouts such as income protection


Eligibility criteria, qualifying periods, exclusions and limitations apply on all credit protection and cover levels. Please refer to the Product Disclosure Statements to learn more about the products.


If you have any questions, please contact us

Mortgage Protectionand Loan Protection are issued by St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 and St Andrew's Life Insurance Pty Ltd ABN 98 105 176 243 AFSL 281731 (collectively St Andrew’s). These insurances are arranged by Maitland Mutual Building Society Limited ABN 94 087 651 983 AFSL 238139 (The Mutual), of 417 High St, Maitland NSW 2320, telephone 1300 688 825, under its own AFS licence and under an agreement with St Andrew's. Terms, conditions, limits and exclusions apply. Any advice given is general only and does not take into account your personal objectives, financial situation or needs. Before deciding whether to purchase or to continue to hold these products you should consider whether any advice is appropriate to your personal circumstances as well as the applicable Mortgage Protection Product Disclosure Statement or Loan Protection Product Disclosure Statement. The Mutual is unable to provide personal advice about these products. If you purchase a policy, The Mutual receives a commission of 20% of your premium (excluding any government charges or taxes).