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A smarter, more seamless application experience with Life Lens
Missed the webinar? View the videos here →
About Life Lens
Life Lens helps make the application process faster, simpler and more tailored for eligible customers. With a non-invasive 45-second facial scan completed on a smartphone, it helps reduce friction in the application journey and creates a smoother experience for both you and your customers. Since launch, 40% of applications have experienced a more tailored application process - a strong sign that Life Lens is already helping reshape the onboarding experience.
Just as importantly, it’s built with strong privacy safeguards. Life Lens does not capture or store images of a customer’s face, processes the scan on the device, securely transmits only the necessary health data, and destroys data after 30 days.
To help you get the most from Life Lens, Chubb Life provides training and support resources, including a video, Quick Reference Guide and troubleshooting materials.
Life Lens has had a few upgrades to give your customers more options and make applying for cover simpler. Here’s the rundown.
What’s new?
- More cover types: Life Lens now supports eight products: Life, Trauma, Complete Disablement/Total Permanent Disability, Income Protection, Mortgage Repayment, Specific Injury, Redundancy and Premium Cover.
- Existing customers can use it too: Customers adding new cover or increasing existing cover can now use Life Lens.
- A higher Life Cover limit: The limit has increased from $1 million to $1.5 million.
- Fewer screening questions: Customers who qualify for Fast Track or Tailored answer at least 25% fewer screening questions than in the Traditional journey.
The question sets for disability covers, including the financial questions, have also been updated to make them clearer and easier to answer. Any medical or financial requirements remain unchanged.
How are Advisers using it?
A few ideas from other Advisers:
- As an icebreaker: A handy way to get customers talking about cover, particularly those in their 40s and under.
- During reviews: Spot gaps in existing cover — for example, where a customer has Life Cover but no Income Protection.
- Alongside the savings: “A simpler application process, plus potential premium savings”, can help get customers interested.
A few important reminders
Life Lens doesn’t diagnose conditions or make underwriting decisions. It determines which application journey your customer takes.
It doesn’t capture or store images of your customer’s face. The scan is processed on their phone, only the necessary health data is sent securely, and that data is destroyed after 30 days. Using Life Lens is completely voluntary, and customers can opt out at any stage.
What are the cover limits?
- Life Cover: $1.5 million
- Trauma: $1 million
- Complete Disablement and TPD-on-Trauma: $1 million combined
- Income Protection and Mortgage Repayment: $6,000 per month combined
- Specific Injury and Premium Cover: No limit
What about customer savings?
Eligible customers can still combine all three current offers on new and existing Assurance Extra policies:
- 2 months’ free cover
- 15% Lifetime Reward discount
- Multi-benefit discount when they hold more than one cover
The offers are available until 28 February 2027, whether or not the customer qualifies for Fast Track. Eligibility criteria and terms and conditions apply.
Who can use Life Lens?
Customers aged 18–60 applying for personal Assurance Extra cover. Life Lens isn’t available for business cover.
Want a refresher?
If you tried Life Lens early on, it’s worth another look. Check out the Quick Reference and troubleshooting guides below, and speak to your BPM if you need a hand.
Keep an eye out for our upcoming FAQ series, where we’ll tackle common myths and answer your Life Lens questions.
