OnePath Life Insurance

Disappointing to say the least. Paid life insurance every year never made a claim and after explaining to them the policy was unaffordable and I couldn't pay the policy as every year was just increasing to a point that I just couldn't afford to pay the ridiculous premium yearly. Times are the toughest and yet I had no choice but to cancel it in… Read more

the end as they didn't care less. I paid thousands of dollars to them since 2011 and didn't even offer a discount. Bad business and rip off way to expensive for a average family. 15years I wasted my money giving it to them for no advantage at all they kept the lot and to me a family in dire straits at a time where living is very expensive and they just take thousands of dollars yearly yeah im not dead but you're insurance policy is a flog. Life insurance is a rip off even when you die i guarantee they find a loop hole not to pay. I wasted my money should have put it in a saving account for tough times like the present. Not good when you can't afford to pay household bills and then leaches knife insurance suck you dry and have done nothing to help us out never again wasted money in my eyes. Bad choice on my behalf.

Condescending idiots, good luck – The most condescending disrespectful flogs I've ever had on the phone. If you get lumped with the slag Violeta Phillips, good luck Show details

Misleading company and won’t cover you when you need it – I was misled by Zurich and Onepath insurance in a injury claim at the time of a surgery I was told that if the operation to remove screws a year down the recovery track happened I would be fine to get cover from the same claim and not repeat the waiting period. The hospital cancelled my appointments 3 times putting my second surgery out by about 3… Read more

months and now they won’t cover me so I have to recover with no income and they were happy to take my money over that period I was recovering for the cover. Do not use these guys put your own money aside as they do not cover you anyway and tell you what you want to hear then quote contracts to avoid helping their customers that need it. Absolute grub company!

Disgusting company – My FIL had paid life insurance for 25 years, upon his death one path (was originally ANZ insurance) has been nothing but ridiculous to my MIL, filled out so many forms, just to be told to fill out more, the premiums paid out weigh the payout more than 3 fold. Way to go stressing out an elderly widow who just lost her best friend and husband of over 60 years. Show details

25 years of paid insurance refusal don’t go here – Our mother died she had this cover for over 25 years. Died from surgery complications. Yes she used to smoke but stopped. Used this excuse to not pay. Don’t use this place. Wouldn’t pay anything. Shameful insurance Show details

Terrible – Dealing with onepath has been less than optimal. Their average on hold time for me was 45min if you didn't just suddenly get disconnected. I requested a simple letter from them re my super contributions but dispute numerous requests never got it. They claimed it was sent but they don't have a copy of it in my file nor did I receive it despite… Read more

all my email and postal details being correct and up to date. I ended up paying $1600 more tax due to their incompetence and lack of customer service. I don't know how they would be like if I had to make a claim as they couldn't even send me a simple letter.

Over priced – Had my policy for about 11 years and Premium’s gone up $145 this year!!! What Got level premiums so it shouldn’t bounce like this! Never made a claim on my income protection to the point it’s unaffordable cover. Show details

Cancelled Life Policy – Decided to cancel life policy as I had it for over 10 years so contacted one path and was told that no more payments would be taken out and my insurance would be still covered for two more weeks but on the renewal date another payment came out contacted them and they confirmed that it would be returned within a week ,came outquick but refunds are slow Show details

Prompt, Professional and Compassionate – I have had One Path for about 6 years. They have been extremely helpful for me.My Agent Glenn Treacy has also been excellent. Last year I had to take 7 months off work for cancer treatment and Glenn and One Path were always there for me and my needs. Thank God I had income protection. One path organised special treatment for my recovery yoga,… Read more

special exercises, and my return to work plan. Everything was organised by Glenn and One Path. The compassion and care shown by Glenn and One Path was exceptional. I can’t thank them enough.

Borderline fraudulent – Terrible, beyond anything else I’ve ever experienced. After 9 years of insurance with Onepath for both myself and my husband, when I rang to cancel they couldn’t locate our policies! Show details

Clear cut claim yet 53 days later still holding things up by requesting more information – Went through an insurance broker. Unfortunately had a non preventable medical episode was unconscious for 4 days and in hospital for a total 9 days. Broker explained after seeing my diagnosis and discharge summary from hospital it’s a clear cut claim and should be paid within the 30days as stated in my premium policy. 53 days later they are still… Read more

looking for an out and have dug deep into my medical records and found no excuse not to pay so they requested more information from the specialist that treated me twice now. Both my GP and the specialist have clearly stated my diagnosis and ongoing treatment required. If you like to fight with insurance company’s unnecessarily then onepath is the right option for you. Hate to think of what my family would have to go through had I died.

Cancelled policy – I cancelled the policy at the end of January as my payment had gone up from $400 per month to $780 per month. Then the payment has just come out despite the policy being cancelled. The person I spoke to is hopeless. Show details

Terrible stay away – i started with their agents in ANZ with $58 per month, which was a stepped up premium life insurance policy, then 2 years later i had to stopped them at $362 per month. Do i need to say more ???? Show details

Painful year in year out – I've had OnePath Life Ins for 10 years. Not one year has gone past that administrative process wasn't painful. You would think that some effort would go into customer service. The Life Ins industry needs complete disruption and some introduction of portability. It is so hard to transfer to a new insurer that life insurers recognise that no… Read more

existing customer care is required. Federal government needs to reform whole personal injury insurance industry (life insurance, health insurance, compulsory third party, workers comp, accident & health). I come away feeling dirty & angry every time I go through the renewal process but haven't found an option worth changing to.

Dont trust them be warned – 37yrs ago took out what we thought was life/accident insurance only to find out now when I phoned to check if policy reduces with age as husband now 72 that it is accidental death policy with small death cover 500.00 dollars, I was told by operator that also cover not reduces with age (liar) I questioned the amount of cover as we are sure life was… Read more

more than that to now be told that the cover is only worth 250.00 now with age! 1st mistake sorry yes it does decrease with age. 2ND mistake we moved 11yrs ago and notified them this but they still had old address (4times now have checked address and still old one). 3rd one they say they did try and ask us back in 1990 if we wanted to change our cover WRONG phone number we are in QLD they rang a SYDNEY so they say, why did they not try again even by mail? .4th When asked for copy of our policy all we have been sent is certificate of currency! to which has a different amount on it again. Have now gone to AFC but dont think will get far, so after 37 years we are only worth 250.00 if we die (that wont even cover a coffin) Husband has just be diagnosed with terminal cancer so much for him thinking he was looking after us financially my advice is Do not go near anz real life insurance oh it is now zurich as from june this year ! I found that out not through them .5th when I asked about this they said they sent me notice last month! asked what address and it was not even the old one or the right new one. Would like to know how many others have been caught out this way we are going to cancel why let them keep collecting money from us.

Trying to reduce steep premium increase - near impossible – At renewal -tried to reduce exorbitantly steep premium increase due over 50 — told can not action until they send email with changes and you have to sign and return- Strange they never send email despite numerous repeat calls over weeks - Strange - your excessive premium increase remains in place - Strange Company keeps getting a lot of money… Read more

you instruct them to change . Thought - Talk to complaints ... Strange -can’t do that either Assumption ? many forget then at next renewal /// repeat / repeat .. Result here - go to other insurance company & cancel Onepath Aka ANZ bank ..

$Z*&%Z45 Dreadful!!!!! – So we hold an income protection policy. The only way to pay said policy premium is via some prehistoric process via mail (really??) or phone. I choose phone. So after listening to a 5 minute spiel about responsible investing??? from ANZ you then have to spend several minutes going through the various options. Finally after a 5 minute wait I get… Read more

shipped off to a call centre presumably in the Philippines (what a surprise!!). After all the pain the lovely "customer service representative."then informs me she can't help me and that she will need to transfer me. $$^^%%*& Really? But this is the number listed on the renewal notice for payments! Finally, after some delay I get connected through to an automated service which then proceeds to crash when I enter my details. Back to square one! After another 10 minutes of my life that I won't get back, I am connected to another "customer service representative." Sensing my annoyance she offers to put through the payment! So why couldn't this happen the first time around? I seriously don't get it....I am trying to pay the premium not make a claim. It certainly makes me question whether making a claim is even viable. I mean life is finite right?

No such thing as customer service here. Avoid at all costs!

Great service and outcome – I applied for Income Protection Insurance through my Superannuation. OnePath were the insurers. I was contacted by my case manager V.......... She was polite and helpful giving me forms for myself and doctor. We completed these and returned what was required. I had a waiting period to complete and my Medical Certificate had been in place for a… Read more

while. OnePath processed my claim quickly and started payments on time. My case manager kept me informed and scheduled regular follow ups and did follow up. I am still on Income Protection with OnePath. V........ requests updates from me and my doctor/s and we provide them and have had no issues. It was reassuranging to have contact from V..... regarding how I was going without requiring anything. I think that my case manager has helped greatly as have making sure the medical and personal requirements have been met.

Very poor customer service – I have ANZ 50+ Life Cover which is issued by One Path. The premium was deducted from my visa card every fortnight. I had occasion to query a possible duplicated payment. They immediately decided to change me to monthly payments without letting me know. This wouldn't have mattered if they had continued to deduct payments. However, they have never… Read more

taken a payment since. They said I would need to fill in another direct debit form but they didn't send it. I then asked to have it emailed, together with a detailed statement. They said my query would be answered in 5 to 10 working days. This is completely ludicrous; I should have received an email that same day. Now I have received a text message to say that my policy may be cancelled due to non-payment!

Poor value for money – I have just cancelled my policy after 7 years. I pay $1,080 pa for a life cover of $15,000. This is terrible as i have another policy that I pay under $6,000pa and am covered for over $600,000. I was under the impression rightly or wrongly that it was an investment type of policy including life insurance and that at the end of the 15 years that a… Read more

$15,000 payout is issued.

This was obviously my mistake but it made sense due to the high premiums.

I would look around for much better policies and value for money.

Unresponsive, can't answer simple question, won't cancel policy – I'm a current policy holder and have tried on multiple occasions to get a quote to reduce the level of coverage - I've had no success/response from either the call centre or via email. Gave up and decided it would be easier to cancel the policy and take out a new policy with another insurer (which I was easily able to get a quote from online) but… Read more

now I can't get the policy cancelled despite repeated contacts. I'm now logging a complaint daily. Next step is their 'customer advocate' process and then the insurance ombudsman. If they can't address the simple stuff I only shudder to think how bad they must be to deal with during a claim.

A total and utter disgrace – Staff that don't speak or understand a word of english. They won't think twice about cancelling your policy, changing your policy details without notice, taking payment without authorisation and the list goes on. Trying to deal with staff that don't speak or understand english makes it impossible. Avoid One Path at ALL COSTS. Thankfully never… Read more

tried to make a claim just dealing with them for weeks on end about their processes was stressful enough.

Ok until you try to cancel a policy – Was with this company for almost 20 years and then tried to cancel my policy. They didn't cancel the credit card payment as requested. Over 2 months later they still haven't refunded the extra unauthorised payment. Not the way I was expecting to be treated after being a client for so long.  Show details

Great, Comprehensive Cover – This is a great life insurance product. I went through an advisory service and had to complete quite an extensive amount of health questions, which I think is great. It did take a couple of weeks to do, as they ask for your complete medical records from your GP to ensure that you're answering everything correctly, unlike other life insurance… Read more

providers who babble over the phone and ask questions most people have no idea about. OnePath gives you the option of a fixed premium, which I opted for. Overall, a very good product with excellent features and customer service post-sale. Have not made a claim yet (knocks on wood)...

Good – I can recommend ING but definitely steer clear of MLC. ING were helpful professional and paid on time, happy with ING. I made a claim and the staff were helpful. Paid on time, with no hassles. I have an MLC top up policy also, MLC denied my claim and tried to avoid my policy from inception. I went to the FOS and won, definitely recommend ING but… Read more ·  1

steer clear of MLC Life. Sorry to add MLC comments here but there is no link for them, supposedly MLC Australias number 1 Life insurer. ING are an insurer. So other than that none really.