Life Cover
Life Cover pays on death or terminal illness diagnosis. Cover is available inside super through the Protect Super Plan or outside super.
Encompass
Encompass Protection is issued by Nippon Life Insurance Australia and New Zealand Limited (ABN 90 000 000 402, AFSL 230694), trading as Acenda, a member of the Nippon Life Group. The product offers Life Cover, TPD Cover, Critical Illness Cover, and Income Protection Cover.
ABN: 90 000 000 402
AFSL: 230694
About Encompass
Company Overview
Encompass Protection is issued by Nippon Life Insurance Australia and New Zealand Limited (ABN 90 000 000 402, AFSL 230694), trading as Acenda, a member of the Nippon Life Group. The product offers Life Cover, TPD Cover, Critical Illness Cover, and Income Protection Cover.
Product Types
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Life, TPD, Trauma & more
Occupations
0+
Supported professions
Encompass insurance products explained
Encompass Protection (PDS issued 26 September 2025) is issued by Nippon Life Insurance Australia and New Zealand Limited (ABN 90 000 000 402, AFSL 230694), trading as Acenda — a member of the Nippon Life Group (PDS lines 28-37). Encompass Protection includes four types of cover: Life Cover, TPD Cover, Critical Illness Cover, and Income Protection Cover (PDS lines 22-26). Cover can be held outside super (ordinary), within the Protect Super Plan, or through a self-managed super fund (PDS lines 70-80).
TPD Cover
TPD Cover pays a lump sum on permanent inability to work due to sickness or injury. Cover is available inside or outside super, with own-occupation and any-occupation TPD definitions per the PDS.
Critical Illness Cover (42 trauma conditions)
Critical Illness Cover pays a lump sum on diagnosis of one of 42 trauma conditions including heart attack, stroke, cancer (excluding specified early-stage cancers), coronary artery bypass, multiple sclerosis, paralysis, major organ transplant, severe burns, blindness, deafness, severe diabetes and severe osteoporosis (per the trauma conditions list in web/data/pds-extractions/encompass.json). A 90-day exclusion period applies to events marked with ^ (PDS page 25). 14-day survival period applies (PDS line 938).
Income Protection Cover
Income Protection Cover replaces a portion of monthly income during disability. The PDS sets out waiting periods, benefit periods, and definitions of disability.
Product information sourced from Encompass's current Product Disclosure Statement. Always refer to the official PDS and Target Market Determination linked below before deciding to acquire or hold any insurance product. This is general advice only and does not consider your personal circumstances.
Product Offerings
No products available for this provider.
How Encompass compares to other panel insurers
Each of the nine insurers on our panel offers life cover, TPD, trauma and income protection — but the structure, named features, and wellness programmes vary meaningfully. We do not rank insurers, and which insurer suits a given client depends on underwriting outcome and circumstances. Below are factual differentiators specific to Encompass, sourced from the current Product Disclosure Statement.
Issued by Nippon Life-owned Acenda
Encompass Protection sits under the same insurer (Nippon Life Insurance Australia and New Zealand Limited, trading as Acenda) that issues Acenda Insurance — providing financial backing from the global Nippon Life Group (PDS lines 28-37).
Coronary artery angioplasty partial benefit
Coronary artery angioplasty triggers a partial benefit payment of 10% of sum insured up to $20,000 if cover is at least $100,000 — multiple payments possible until the more comprehensive condition (three or more arteries) triggers the full sum insured (PDS lines 951-957).
Critical Illness Plus adds partial benefits and Future Increase
The Critical Illness Plus tier adds Partial Critical Illness benefits and a Future Increase Benefit on top of standard Critical Illness Cover (PDS lines 884-891).
Replacement cover provisions
Replacement cover provisions are available for transferring from another insurer (PDS line 1090).
Documents & Resources
Encompass Protection Product Disclosure Statement
Comprehensive guide to Encompass products, features, and terms.
Effective: 26 September 2025
Download PDFImportant: These documents are provided for informational purposes only. Always read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) before making a decision. Consider whether the product is appropriate for your needs.
Other insurers on our panel
Compare Encompass with the other Australian life insurance providers we work with.
Frequently compared with Encompass
Researching Encompass? Here are the panel insurers most often weighed alongside them. Each profile is sourced from the issuer's current Product Disclosure Statement. We provide general advice only — placement depends on your circumstances and underwriting outcome.
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Expert advice
Important Information: This information is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether the information is suitable for you and your personal circumstances. Before making a decision, please read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) available above.
Insurance advice is provided by licensed insurance advisers. IMFL is an insurance brokerage authorized to provide general advice on life insurance products. We compare products from multiple insurers to help you find suitable coverage.
Information on this page is accurate as of the date shown and is subject to change. Always refer to the provider's official documentation for the most current information.