Zurich Life Risk Zurich Income Replacement

Size: px
Start display at page:

Download "Zurich Life Risk Zurich Income Replacement"

Transcription

1 Product Summary Issued 1 March 2015 Zurich Life Risk Zurich Income Replacement Adviser use only

2 Summary These tables outline the in-built benefits, optional extras and product parameters for Zurich Income Replacement. They show which features differ, depending on the level of cover selected: premier, comprehensive or standard. Outside of super Super ownership In-built benefits standard comprehensive premier standard comprehensive Income benefit # # Specified injury benefit Rehabilitation benefit Funeral benefit Flexible cover benefit Waiver of premium Confined to bed benefit Special care benefit Family support benefit Trauma benefit Future insurability (see below) In-built provisions standard comprehensive premier standard comprehensive Interim cover Inflation protection Recurrent disability Concurrent disability Premium holiday = included. # life insured must totally stop work for 14 days during the waiting period. Optional extras Outside of super Super ownership Increasing claims option Super contributions option* Business expenses option Lump sum accident option Day 4 accident option* Trauma option* Future insurability option* ^ ^ Booster option* Family care option Severe disability option* Needlestick cover option* Home support option = option available for all levels of cover. *these options are not available for occupations categorised as Special Risk (SR). ^ available as an option under comprehensive and in-built for premier (non-super) not available under standard Page 2 of 6

3 The following is a summary of the in-built and optional extra benefits available in Zurich Income Replacement. Please read the Zurich Wealth Protection PDS for all terms and conditions, including relevant exclusions. In-built benefits Income benefit there are two types of Income benefit agreed value and indemnity. If indemnity is chosen a premium discount will apply. Under super ownership, the income benefit must be indemnity. Qualifying for an Income benefit (agreed value or indemnity) the Income benefit is payable after the expiry of the waiting period if, solely as a result of a sickness or injury until the expiry of the waiting period: the life insured s pre-disability income from his/her usual occupation reduces by 20 per cent or more, or the life insured is unable to perform one or more income producing duties of his/her usual occupation, or the life insured is unable to perform the income producing duties of his/her usual occupation for more than 10 hours per week. To be eligible for an Income benefit, the life insured must be under the regular care of, and following the advice of, a medical practitioner. If the standard level of cover is selected, the life insured must also stop working for at least 14 days during the waiting period. If at the expiry of the waiting period the life insured has no post-disability income or is working for 10 hours or less per week then: if the policy is agreed value, we will pay the insured monthly benefit if the policy is indemnity, we will pay the lesser of the insured monthly benefit and 75 per cent of pre-disability income. Otherwise, the Income benefit we will pay after the expiry of the waiting period will be proportionate to the loss and calculated on a monthly basis using the following formula: pre-disability income post-disability income pre-disability income x insured monthly benefit If the cover is indemnity, the benefit will be capped so that the amount we pay does not exceed 75 per cent of the life insured s pre-disability income. We will continue to pay the Income benefit until any one of the following events occurs: the sickness or injury giving rise to the claim does not prevent the life insured from earning their pre-disability income from personal exertion in their usual occupation the benefit period ends the policy ends the death of the life insured the life insured is no longer under the regular care of a medical practitioner with regard to treatment for the sickness or injury the life insured is not following the treatment recommended by a medical practitioner at such intervals and frequency as will lead to a cure, alleviation or minimisation of the condition causing their disability. In the event of a claim, Zurich will offset: other disability income policies not disclosed to us at the time of underwriting and workers compensation or other legislated benefits (does not apply to A1, A1M or A2 occupations). The life insured can earn up to 10 per cent of pre-disability income in the first three months without any offset. Under super ownership, the life insured must cease work for at least one day, sick leave is offset and total benefit plus post-disability income is capped. You should refer to the PDS for more information. Specified injury benefit the waiting period is waived and the benefit is paid immediately for a fixed period if the life insured suffers from a specified injury (whether or not a loss of income results). The benefit covers specific conditions and injuries. Rehabilitation benefit Workplace modification Zurich will pay up to three times the monthly Income benefit for approved expenses incurred in carrying out workplace modifications Rehabilitation program Zurich will provide an additional 50 per cent of the monthly Income benefit each month towards the expenses of an approved rehabilitation program for a maximum of 12 months Rehabilitation costs Zurich will reimburse up to twelve times the monthly Income benefit to cover approved rehabilitation expenses. Funeral benefit three times the insured monthly benefit will be paid if the life insured dies while the policy is in force. Page 3 of 6

4 Flexible cover benefit if the life insured s income reduces while pregnant or following the birth or adoption of a child, the insured monthly benefit can be reduced and then reinstated without reassessment of health within two years. The maximum reduction is 75 per cent and the reinstatement of agreed value cover depends on a return to full-time paid employment. Waiver of premium benefit Zurich will waive or refund all premiums when any Income benefits or Specified injury benefits are payable. If the claim form is lodged within 30 days, premiums paid in the waiting period are also refunded. Confined to bed benefit if the life insured is confined to bed because of sickness or injury for more than two days in a row and during that period requires the full time care of a nurse or personal attendant, Zurich will pay one thirtieth of the monthly benefit for each day the life insured is disabled during the waiting period, to a maximum of 180 days. Special care benefit this includes four benefits which may be payable after the end of the waiting period, if an Income benefit is being paid, to cover the following situations: if a direct family member has to give up work to look after the life insured if the life insured is confined to bed or to his/her house and dependent on home assistance or nursing care if a direct family member has to stay 100km or more away from home to be with the life insured if the life insured s sickness or injury occurs overseas and he/she chooses to return to Australia. Family support benefit if the life insured is receiving an income benefit and dies before the policy expiry, Zurich will continue to pay the spouse an Income benefit for up to 12 months. Trauma benefit if the life insured suffers a specified trauma, Zurich will pay a lump sum equal to six times the monthly Income benefit. Future insurability (in-built benefit under premier only) the insured monthly benefit can be increased by up to 15 per cent every policy anniversary up to age 55 without further underwriting (provided no claims have been made) subject to cover not exceeding 75 per cent of income. In-built provisions Interim cover while Zurich is assessing the application, we will provide interim cover for up to 90 days against accidental injury which results in the life insured being unable to work and earn any income. Inflation protection Zurich will offer to index the insured monthly benefit each year in line with inflation without further assessment of health. Recurrent disability if disability recurs within 12 months of the life insured returning to work, a further waiting period will not apply. Zurich will start paying an Income benefit again immediately. Concurrent disability if more than one separate and distinct sickness or injury results in a disability, payments will be based on the policy condition that provides the highest benefit. Premium holiday the policy owner may request a 3, 6, 9 or 12 month break in cover (maximum 12 months over the life of the policy). No cover is provided for any insured event apparent or occurring during a premium holiday. Optional extras Increasing claims option the income benefit will be increased quarterly to keep up with inflation while on claim. Superannuation contributions option Zurich will cover up to 100 per cent of the life insured s superannuation contributions should they qualify for an Income benefit, Specified injury benefit, Confined to bed benefit, Trauma benefit or Day 4 accident benefit. Business expenses option if the life insured is disabled and suffers a loss of income, Zurich will pay up to 100 per cent of the fixed costs of running the business. Lump sum accident option a lump sum is payable if the life insured is involved in an accident which causes their death or a listed injury within 180 days of the accident and before the policy anniversary following the life insured s 65th birthday or the benefit expiry date (whichever is earliest). Day 4 accident option (with waiting periods of 90 days or less) if the life insured is disabled due to injury for more than three consecutive days then benefits will be paid during the waiting period on a daily basis (one thirtieth of the monthly benefit). The benefit payable is backdated to day one. Trauma option if the life insured suffers a specified trauma and is disabled as a result Zurich will double the income benefit payable for up to six months. If the life insured dies the Funeral benefit will also be doubled. Page 4 of 6

5 Future insurability option the insured monthly benefit can be increased by up to 15 per cent every policy anniversary up to age 55 without further underwriting (provided no claims have been made) subject to cover not exceeding 75 per cent of income. Booster option an additional one third of the Income benefit will be paid for the first 30 days of claim if we are paying the maximum benefit available under the policy. Family care option if an Income benefit is being paid and the life insured dies before the policy expiry, Zurich will continue to pay the spouse an Income benefit for up to five years after the life insured s death. Severe disability option if the life insured has been unable to do two of the activities of daily living for at least three months Zurich will increase the monthly benefit payable by one third while the condition continues. Needlestick cover option for an additional premium your eligible clients can receive a lump sum of up to $1,000,000 (multiples of $50,000 only) if they occupationally acquire HIV, Hep B or Hep C. Home support option recognises the contribution of a spouse who is not in paid work or is working part time. It pays a monthly living expenses benefit, benefits to reimburse domestic assistance and child care costs and a package of rehabilitation benefits. Other product features Tailored super structuring it is possible to have two related Zurich Income Replacement policies (where one of the policies is owned by the trustee of a superannuation fund) or a Zurich Income Replacement policy related to a Zurich Superannuation Income Replacement policy. This allows a mixture of super and ordinary benefits to be linked. Linked benefits provide a cost-effective package of cover overall, but can normally only be selected within a single policy. Related policies remain as two separate policies but will behave as if all linked benefits are combined on one policy, which means that a claim on one policy may impact the other. Within the related policies structure, cover can be set up as an: Indemnity income benefit (in super) with built in benefits and extra cost options payable through super and Income superlink benefit (outside super) with built in benefits and extra cost options not payable through super The cover provided under each policy is allocated to optimise alignment with superannuation law payment rules. Both policies must have the same level of cover (standard, comprehensive or premier) and benefits may be payable from either the related super policy or a combination of both related policies. Unemployment and employment breaks (non SR occupations) if the life insured is involuntarily unemployed Zurich will waive the premiums for up to three months at a time (12 months over the life of the policy) provided the life insured registers with an approved employment agency. The policy must first have been in place (without any periods of waived premium) for at least 12 months. Refer to the PDS for terms of cover during periods of unemployment or during employment breaks. Worldwide cover if the life insured is outside Australia during a claim the life insured must undergo an annual medical in Australia, or in another country, by a doctor nominated or approved by Zurich, every 12 months for the claim to continue. Exclusions Zurich will not pay an Income benefit if loss of income is the result of: intentional self-inflicted act attempted suicide uncomplicated pregnancy or childbirth elective surgery or donor transplant surgery within six months of the cover start date an act of war (whether declared or not) any event or medical condition specified as an exclusion in the Policy schedule. Page 5 of 6

6 For more information please contact your risk specialist Business Development Manager on Parameters which differ by level of cover standard comprehensive premier Occupation eligibility Available to all occupation categories (Restrictions apply to the cover available to SR occupations) Available to all occupation categories, except SR Available to A1, A1M, A2 and A3 occupation categories Eligible ages for benefits to age for benefits to age for all other benefit periods The maximum entry age for SR occupations is for benefits to age for benefits to age for all other benefit periods Available waiting periods Available benefit periods All occupations can select from 30, 60 or 90 days All occupations except SR may also select: 14 or 180 days, or 1 or 2 years All occupations can select 1, 2 or 5 years All occupations except SR may also select benefits payable to age 55, 60 or 65 A1, A1M, A2 and A3 occupations can also select benefits to age , 30, 60, 90 or 180 days, or 1 or 2 years All occupations can select: 1, 2 or 5 years, or benefits payable to age 55, 60 or 65 A1, A1M, A2 and A3 occupations can also select benefits to age 70. This publication is dated 1 March 2015 and does not take into account your personal objectives, financial situation or needs. Therefore you should consider these factors, the appropriateness of the information provided, the Zurich Wealth Protection Product Disclosure Statement (PDS) (available on or by calling us on ) before making a decision. The information in this publication is a summary only and there are relevant exclusions and conditions. Zurich Australia Limited ABN AFSLN is the issuer of Zurich Income Replacement. Zurich Australia Limited ABN , AFSLN Blue Street North Sydney NSW 2060 Client enquiries Telephone: client.service@zurich.com.au ZU V10 02/15 - NGAL

Zurich Life Risk Zurich Income Protector / Plus

Zurich Life Risk Zurich Income Protector / Plus Product Summary Issued 21 December 2015 Zurich Life Risk Zurich / Adviser use only Summary These tables outline the in-built benefits, optional extras and product parameters for Zurich. They show which

More information

Product Summary Zurich Income Replacement Insurance Plus

Product Summary Zurich Income Replacement Insurance Plus Zurich Life Risk Product Summary Zurich Income Replacement Insurance Plus Zurich proudly supports Adviser use only. Preparation Date: 1 April 2008 Zurich Australia Limited ABN 92 000 010 195 AFSLN 232510

More information

Zurich Life Risk Guide to Wealth Protection products

Zurich Life Risk Guide to Wealth Protection products Product Summary Issued 1 March 2015 Zurich Life Risk Guide to Wealth Protection products Adviser use only Income products Product description Ownership Zurich Income Replacement Pays an income benefit

More information

Zurich Life Risk Zurich Protection Plus

Zurich Life Risk Zurich Protection Plus Product Summary Issued 1 March 2015 Zurich Life Risk Zurich Protection Plus Adviser use only Zurich Protection Plus is a flexible package which allows you to choose any combination of Death cover, TPD

More information

Zurich Wealth Protection

Zurich Wealth Protection Issue Date: 21 December 2015 Zurich Wealth Protection Product Disclosure Statement including policy conditions This PDS, prepared on 25 November 2015, is provided in two parts: Part 1 Policy information

More information

Zurich Wealth Protection. Product Disclosure Statement including policy conditions Issue date: 1 March 2014

Zurich Wealth Protection. Product Disclosure Statement including policy conditions Issue date: 1 March 2014 Zurich Wealth Protection Product Disclosure Statement including policy conditions Issue date: 1 March 2014 This PDS, prepared on 6 February 2014, is provided in two parts: Part 1 Policy information Part

More information

Personal Insurance Portfolio

Personal Insurance Portfolio Personal Insurance Portfolio Product Disclosure Statement (PDS) Preparation date: 26 September 2005 This PDS contains information about the following products: Income Care basic income protection insurance

More information

Zurich Wealth Protection

Zurich Wealth Protection Issue date: 1 March 2015 Zurich Wealth Protection Product Disclosure Statement including policy conditions This PDS, prepared on 4 February 2015, is provided in two parts: Part 1 Policy information Part

More information

BT Protection Plans for Mortgage Customers

BT Protection Plans for Mortgage Customers BT Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a Combined

More information

St.George Protection Plans for Mortgage Customers

St.George Protection Plans for Mortgage Customers St.George Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a

More information

Protection Plans for Mortgage Customers

Protection Plans for Mortgage Customers Westpac Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a Combined

More information

ADDITIONAL DESCRIPTION DATE INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015. Tailored Employer Plans

ADDITIONAL DESCRIPTION DATE INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015. Tailored Employer Plans ANZ Smart Headline Choice goes Super here ADDITIONAL DESCRIPTION DATE INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015 Tailored Employer Plans Legal entity referred to in this Guide Name of

More information

dependab e because life is unpredictable.

dependab e because life is unpredictable. AMP Elevate insurance Product Disclosure Statement Insurance that s dependab e because life is unpredictable. Issue Number 12, 21 May 2012 Life Insurance Life Insurance Superannuation Total and Permanent

More information

dependab e IMAGE AREA

dependab e IMAGE AREA AMP Elevate insurance Product Disclosure Statement Issue Number 14, 19 May 2014 insurance that s dependab e IMAGE AREA because life is unpredictable Life Insurance Life Insurance Superannuation Life Insurance

More information

Priority Protection for Platform Investors

Priority Protection for Platform Investors Priority for Platform Investors Product Disclosure Statement Version 1.1, Date Prepared 22 August 2014 Life s better with the right partner Important Notes This Product Disclosure Statement ( PDS ) describes

More information

Tasplan Super Insurance Booklet ISSUED JANUARY 2015

Tasplan Super Insurance Booklet ISSUED JANUARY 2015 Tasplan Super Insurance Booklet ISSUED JANUARY 2015 TASPLAN INSURANCE BOOKLET Contact Details Head Office: Level 8, 1 Franklin Wharf Hobart TAS 7000 Postal Address: GPO Box 1547 Hobart TAS 7001 Telephone:

More information

Priority Protection. Product Disclosure Statement Version 13, Date Prepared 1 March 2014. Life s better with the right partner

Priority Protection. Product Disclosure Statement Version 13, Date Prepared 1 March 2014. Life s better with the right partner Priority Product Disclosure Statement Version 1, Date Prepared 1 March 2014 Life s better with the right partner Important Notes This Product Disclosure Statement ( PDS ) describes the main features of

More information

Priority Protection for Platform Investors Supplementary Product Disclosure Statement

Priority Protection for Platform Investors Supplementary Product Disclosure Statement Priority for Platform Investors Supplementary Product Disclosure Statement 1 July 2014 Life s better with the right partner This Priority for Platform Investors Supplementary Product Disclosure Statement

More information

Professional Insurance Portfolio

Professional Insurance Portfolio Product Disclosure Statement Please read this Product Disclosure Statement carefully. It contains important information about the above product. Version 9 Issued 6 June 2014 Professional Insurance Portfolio

More information

Zurich Wealth Protection. Product Disclosure Statement including Policy conditions Issue date: 1 March 2012

Zurich Wealth Protection. Product Disclosure Statement including Policy conditions Issue date: 1 March 2012 Zurich Wealth Protection Product Disclosure Statement including Policy conditions Issue date: 1 March 2012 About this PDS Date of preparation: 25 January 2012 This Product Disclosure Statement (PDS) is

More information

Zurich Life Risk Trauma cover

Zurich Life Risk Trauma cover Product Summary Issued 21 December 2015 Zurich Life Risk Trauma cover Adviser use only Trauma insurance provides a lump sum payment on diagnosis or occurrence of a covered trauma. This is a summary only

More information

Issued ₁ July ₂₀₁₅. Insurance Guide. SignatureSuper AIA fact sheet. AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379.

Issued ₁ July ₂₀₁₅. Insurance Guide. SignatureSuper AIA fact sheet. AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. Issued ₁ July ₂₀₁₅ Insurance Guide SignatureSuper AIA fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the product

More information

Life and Income Protection

Life and Income Protection Life and Income Protection Product Disclosure Statement (PDS) Preparation date: 26 September 2005 This PDS contains information about the following products: Income Protection income protection insurance

More information

INCOME PROTECTION. Publisher 62, Male, Severe ear condition INJURY AS A RESULT OF TRAUMA E.G. LOSS OF LIMB

INCOME PROTECTION. Publisher 62, Male, Severe ear condition INJURY AS A RESULT OF TRAUMA E.G. LOSS OF LIMB INCOME PROTECTION Telephonist 31, Female, Lower back pain Demolition worker 40, Male, Site injury Publisher 62, Male, Severe ear condition Mining worker 37, Male, Depressive episode Dentist 51, Male, Fracture

More information

Income Protection Fact Sheet

Income Protection Fact Sheet Income Protection Fact Sheet Who should read this fact sheet? The information in this fact sheet applies to most Defined Contribution (accumulation) members of Energy Super. It is not relevant to Defined

More information

Protecting you and your family. Insurance guide. www.csf.com.au. Effective 1 April 2014

Protecting you and your family. Insurance guide. www.csf.com.au. Effective 1 April 2014 Protecting you and your family Insurance guide Effective 1 April 2014 www.csf.com.au Issued by CSF Pty Limited ABN 30 006 169 286, AFSL 246664, Trustee of the Catholic Superannuation Fund ABN 50 237 896

More information

Why recommend Zurich s income replacement policies?

Why recommend Zurich s income replacement policies? Why recommend Zurich s income replacement policies? Zurich Life Risk D100% ISABLEMENT DEFINITION GENUINE THREE-TIERED The leading income protection policy keeps getting better! Our income replacement policy

More information

Product Information GROUP INSURANCE PRODUCT DISCLOSURE STATEMENT. Steadfast 1

Product Information GROUP INSURANCE PRODUCT DISCLOSURE STATEMENT. Steadfast 1 Product Information GROUP INSURANCE PRODUCT DISCLOSURE STATEMENT Steadfast 1 CONTENTS OVERVIEW Overview 3 General advice notice 3 How to read this document 3 How to contact us 3 About MetLife 4 About Steadfast

More information

Flexible Lifetime Super

Flexible Lifetime Super Issued ₁ July ₂₀₁₅ Flexible Lifetime Super Insurance fact sheet Registered trademark of AMP Life Limited ABN 84 079 300 379. This document is a fact sheet for the product disclosure statement (PDS) dated

More information

WA Super Insurance Guide

WA Super Insurance Guide MY SUPER APPROVED WA Super Insurance Guide The information in this document forms part of the WA Super Product Disclosure Statement, November 2013 You should read the PDS in conjunction with this Member

More information

Macquarie Superannuation Plan Group Income Protection Contract

Macquarie Superannuation Plan Group Income Protection Contract Macquarie Superannuation Plan Group Income Protection Contract This Contract applies to the following products: Macquarie Superannuation Insurance Macquarie Super Manager Life Insurance SuperOptions Insurance

More information

Energy Super Insurance Guide. Prepared and issued 30 April 2013

Energy Super Insurance Guide. Prepared and issued 30 April 2013 Energy Super Insurance Guide Prepared and issued 30 April 2013 Contents Insurance Overview 1 Death & Total and Permanent Disablement cover 1 Income Protection cover 9 Other insurance information 15 Definitions

More information

Priority Protection for Platform Investors

Priority Protection for Platform Investors Priority Protection for Platform Investors Product Disclosure Statement Version 12, Issued 8 June 2013 aia.com.au Life s better with the right partner Who issues Priority Protection for Platform Investors?

More information

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Simply Smarter Life Insurance Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Budget Direct Life Insurance and Budget Direct Accidental Death Insurance

More information

Macquarie Life. Macquarie Life Smart insurance solutions made simple

Macquarie Life. Macquarie Life Smart insurance solutions made simple Macquarie Life Macquarie Life Smart insurance solutions made simple Product Disclosure Statement issued by Macquarie Life Limited ABN 56 003 963 773 AFSL 237 497 Dated 9 November 2007 Contents 01 The importance

More information

protecting you and your family

protecting you and your family protecting you and your family Insurance guide Effective 1 July 2015 Issued by CSF Pty Limited ABN 30 006 169 286, AFSL 246664, Trustee of the MyLifeMyMoney Superannuation Fund ABN 50 237 896 957 mylifemyinsurance.com.au

More information

Insurance guide. SignatureSuper AMP Life fact sheet. Issued ₁ July ₂₀₁₅

Insurance guide. SignatureSuper AMP Life fact sheet. Issued ₁ July ₂₀₁₅ Issued ₁ July ₂₀₁₅ Insurance guide SignatureSuper AMP Life fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the

More information

BT Lifetime Super Employer Plan

BT Lifetime Super Employer Plan BT Lifetime Super Employer Plan Additional Information Booklet Part 3 Insurance Dated: 1 July 2015 Last updated: 1 July 2015 About this Additional Information Booklet This document is Part 3 of the Additional

More information

POLICY NO. MP9958, MP9959, MP9961 - ENDORSEMENT 01

POLICY NO. MP9958, MP9959, MP9961 - ENDORSEMENT 01 AIA Australia Limited (ABN 79 004 837 861 AFSL 230043) PO Box 6111 St Kilda Road Central VIC 8008 Phone : 1800 333 613 Fax : 1800 832 266 AIA.COM.AU POLICY NO. MP9958, MP9959, MP9961 - ENDORSEMENT 01 This

More information

sample Gold Disability Income Cover

sample Gold Disability Income Cover Gold Disability Income Cover Here is some important information about Gold Disability Income Cover. Please read this policy document and then keep it in a safe place. 1 Please take the time to read this

More information

How To Change Your Income Shield Benefits

How To Change Your Income Shield Benefits Enhancements Income Shield Super CONTENTS 1.0 Summary of changes 2 2.0 Enhancements to Included Income Shield Super Benefits 3 2.1 New 5 Year Benefit Period for S Class Occupations 3 2.2 Improved Sick

More information

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015 BT Business Super Additional Information Booklet Part 3 Insurance Dated: 1 July 2015 Last updated: 1 July 2015 About this Additional Information Booklet This document is Part 3 of the Additional Information

More information

FutureWise at a glance. Macquarie Life

FutureWise at a glance. Macquarie Life FutureWise at a glance Macquarie Life Macquarie Life FutureWise offers a comprehensive and competitively priced suite of products that enables you to choose the right combination of cover types and benefits

More information

Gold Disability Income Cover Policy

Gold Disability Income Cover Policy Gold Disability Income Cover Policy This is your Gold Disability Income Cover Policy. It is an important document and should be kept in a safe place. Please take the time to read this document. Contents

More information

Smartsave Group Salary Continuance Policy Document

Smartsave Group Salary Continuance Policy Document MLC Group Insurance Smartsave Group Salary Continuance Policy Document Version 1: 1 April 2010 MLC Limited Registered Office: Telephone: 1800 458 038 Website: mlc.com.au ABN 90 000 000 402 105-153 Miller

More information

Income Protection Policy Addendum Dated 10 October 2010

Income Protection Policy Addendum Dated 10 October 2010 Income Protection Policy Addendum Dated 10 October 2010 Policy Addendum for Income Protection Please read this document and keep it in a safe place with your Income Protection Policy Document. It is important

More information

ANZ Smart Choice Super. Insurance Guide For employers and their employees

ANZ Smart Choice Super. Insurance Guide For employers and their employees ANZ Smart Choice Super Insurance Guide For employers and their employees INSURANCe GUIDE 11 NOVEMBER 2013 ANZ Smart Choice Super Entity details in this Insurance Guide Name of legal entity Registered numbers

More information

Product Summary. Life s better with the right partner. Life Cover. November 2015. Complimentary Final Family Expenses. Why consider Life Cover?

Product Summary. Life s better with the right partner. Life Cover. November 2015. Complimentary Final Family Expenses. Why consider Life Cover? Product Summary November 2015 Life s better with the right partner This is a summary of the main features and terms of the AIA Australia Priority Protection for Platform Investors product. For full details,

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement 30 September 2013 ClearView LifeSolutions is issued by ClearView Life Assurance Limited: ABN 12 000 021 581, AFS Licence No. 227682. ClearView LifeSolutions Super is issued

More information

Personal Choice Private Insurance Service

Personal Choice Private Insurance Service Personal Choice Private Insurance Service Product Disclosure Statement I Issue date: 28 March 2011 Life Protection Total & Permanent Disablement (TPD) Salary Continuance Please read this Product Disclosure

More information

ANZ Super Advantage INSurANce GuIde

ANZ Super Advantage INSurANce GuIde ANZ Super Advantage Insurance Guide 27 February 2012 ANZ Super Advantage Entity details in this Insurance Guide Name of legal entity Registered numbers Abbreviated terms used throughout this Guide OnePath

More information

INSURANCE Group Salary Continuance Insurance

INSURANCE Group Salary Continuance Insurance INSURANCE Group Salary Continuance Insurance Product Disclosure Statement 15 November 2010 About OnePath Helping you shape and protect your future OnePath Life Limited (OnePath Life) is one of Australia

More information

sgard s choice of insurance options comparison guide

sgard s choice of insurance options comparison guide sgard s choice of insurance options comparison guide Page 1 Policy comparison for insurance through Asgard super accounts Page 2 Life/Total & Permanent Disablement (TPD) comparison Page 6 Income Protection/Salary

More information

Asgard Personal Protection Package

Asgard Personal Protection Package Asgard Personal Protection Package Supplementary Product Disclosure Statement (SPDS) This SPDS is dated 1 February 2009 and relates to the Product Disclosure Statement (PDS) dated 18 February 2008 for

More information

CommInsure Protection

CommInsure Protection CommInsure Protection Supplementary Product Disclosure Statement (SPDS) and Reference Document Supplement Supplementary Product Disclosure Statement (SPDS) Preparation date: 3 August 2010 This Supplementary

More information

Group Insurance. Product Disclosure Statement. pr tect. Depend on our people to. your people

Group Insurance. Product Disclosure Statement. pr tect. Depend on our people to. your people Group Insurance Product Disclosure Statement pr tect Depend on our people to your people This booklet contains Product Disclosure Statements for: Group Life Group Salary Continuance Issue number 9, 28

More information

BT Protection Plans. Product Disclosure Statement and Policy Document (PDS)

BT Protection Plans. Product Disclosure Statement and Policy Document (PDS) BT Protection Plans Product Disclosure Statement and Policy Document (PDS) Dated 19 May 2014 Who s responsible for BT Protection Plans The Insurer is Westpac Life Insurance Services Limited ABN 31 003

More information

How much insurance cover?

How much insurance cover? How much insurance cover? We consider life and TPD insurance coverage to be family protection it is about protecting your family. Life Insurance The purpose of life insurance is to provide your dependants

More information

Policy document Group Salary Continuance. Employer non-superannuation DRAFT ONLY

Policy document Group Salary Continuance. Employer non-superannuation DRAFT ONLY Policy document Group Salary Continuance Employer non-superannuation DRAFT ONLY Contents 1 Important information about this policy 2 1.1 Introduction 2 1.2 Policy commencement 2 1.3 Interpreting the policy

More information

Reliance Super (a membership category of Maritime Super) Maritime Super Division Insurance Supplement

Reliance Super (a membership category of Maritime Super) Maritime Super Division Insurance Supplement Reliance Super (a membership category of Maritime Super) Maritime Super Division Insurance Supplement 1 July 2015 About this Supplement The information in this Supplement forms part of the Reliance Super

More information

How To Get A Guardian Insurance Policy

How To Get A Guardian Insurance Policy Income Protection Insurance Product Disclosure Statement Issued 16 April 2015 Guardian Income Protection Insurance is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level

More information

Insurance guide. SignatureSuper AMP Life Association and Personal fact sheet. Issued ₁ July ₂₀₁₅

Insurance guide. SignatureSuper AMP Life Association and Personal fact sheet. Issued ₁ July ₂₀₁₅ Issued ₁ July ₂₀₁₅ Insurance guide SignatureSuper AMP Life Association and Personal fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document

More information

Insurance Guide. 15 December 2014. Contents. Important information. For more information

Insurance Guide. 15 December 2014. Contents. Important information. For more information Insurance Guide 15 December 2014 Contents 1. Insurance in your Super... 2 2. Complete Super at a glance... 2 3. Death and TPD cover... 2 4. Income Protection insurance cover... 4 6. Group Income Protection

More information

TOWER PROTECTION POLICY

TOWER PROTECTION POLICY LIFE INSURANCE TOWER PROTECTION POLICY Product Disclosure Statement November 2008 Runner Up Risk Company of the Year 2008 RUNNER UP 2008 Risk Company of the Year Winner WINNER Risk Company of the Year

More information

Westpac Protection Plans

Westpac Protection Plans Westpac Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS) Dated 1 July 2014 This SPDS is dated 1 July 2014 and supplements the information contained in the Westpac

More information

Product Disclosure Statement Version 11, Issued 21 May 2012. Life s better with the right partner AIA.COM.AU. Priority Protection

Product Disclosure Statement Version 11, Issued 21 May 2012. Life s better with the right partner AIA.COM.AU. Priority Protection Priority Protection Product Disclosure Statement Version 11, Issued 21 May 2012 Life s better with the right partner AIA.COM.AU Who issues Priority Protection? This Product Disclosure Statement ( PDS )

More information

Income Protection Cover

Income Protection Cover Income Protection Cover Product Disclosure Statement Issue date: 27 April 2015 Income Protection Cover is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level 7, 70 Phillip

More information

CommInsure Protection

CommInsure Protection CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Issue date: 11 May 2014 Product Disclosure Statement This Product Disclosure Statement (PDS) is issued by the insurer, The Colonial

More information

FutureWise Product Disclosure Statement. Macquarie Life

FutureWise Product Disclosure Statement. Macquarie Life FutureWise Product Disclosure Statement Macquarie Life Product Disclosure Statement issued jointly by: Macquarie Life Limited ABN 56 003 963 773 AFSL 237 497 and Macquarie Investment Management Limited

More information

Group Income Protection For Employees. Product Disclosure Statement Issue Date 1 September 2011 (Updated March 2014)

Group Income Protection For Employees. Product Disclosure Statement Issue Date 1 September 2011 (Updated March 2014) Group Income Protection For Employees Product Disclosure Statement Issue Date 1 September 2011 (Updated March 2014) Contents 1 About this document 2 How CivilCover works 2 About Hannover 3 About Coverforce

More information

PROTECT YOUR INCOME IF YOU CAN T WORK

PROTECT YOUR INCOME IF YOU CAN T WORK This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 1 April 2014 PROTECT YOUR INCOME IF YOU CAN T WORK FACT SHEET 7 1 APRIL 2014 It s vital that you re prepared

More information

PERPETUAL WEALTHFOCUS SUPER PLAN

PERPETUAL WEALTHFOCUS SUPER PLAN PERPETUAL WEALTHFOCUS SUPER PLAN Insurance Book INSURANCE BOOK Dated 17 April 2015 Issued by Perpetual Superannuation Limited ABN 84 008 416 831 AFSL 225246 RSE L0003315 IMPORTANT NOTES This Insurance

More information

Retail insurance through the Annex IOOF Pursuit platform

Retail insurance through the Annex IOOF Pursuit platform your investment & insurance needs Financial adviser use only November 2013 Retail insurance through the Annex IOOF Pursuit platform In or out, it s up to you Life insurance is about protecting the things

More information

Insurance guide. SignatureSuper MetLife fact sheet. Issued ₁ July ₂₀₁₅

Insurance guide. SignatureSuper MetLife fact sheet. Issued ₁ July ₂₀₁₅ Issued ₁ July ₂₀₁₅ Insurance guide SignatureSuper MetLife fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the

More information

Sunsuper for life. Insurance guide. Learn more about your insurance Identify your insurance needs

Sunsuper for life. Insurance guide. Learn more about your insurance Identify your insurance needs Sunsuper for life Insurance guide Learn more about your insurance Identify your insurance needs Preparation date: 9 June 2015 Issue date: 1 July 2015 INSURANCE IN YOUR SUPER Contents 1 Why have insurance?

More information

Macquarie Life Active Product Disclosure Statement. Macquarie Life

Macquarie Life Active Product Disclosure Statement. Macquarie Life Macquarie Life Active Product Disclosure Statement Macquarie Life Product Disclosure Statement jointly issued by: Macquarie Life Limited ABN 56 003 963 773 AFSL 237 497 and Macquarie Investment Management

More information

Group Income Protection For Employees

Group Income Protection For Employees Group Income Protection For Employees Product Disclosure Statement Issue Date 1 September 2011 Contents 1 About this document 2 How CivilCover works 2 About Hannover 3 About Coverforce 3 CivilCover administration

More information

Insurance Guide Dated 1 July 2012

Insurance Guide Dated 1 July 2012 www.mtaasuper.com.au Phone: 1300 362 415 / Fax: 1300 365 142 Insurance Guide Dated 1 July 2012 The information in this document forms part of the Product Disclosure Statement for MTAA Super dated 1 July

More information

AXA Group Insurance. Group Income Continuance Insurance Policy. Fonterra Welfare Fund. Important Note

AXA Group Insurance. Group Income Continuance Insurance Policy. Fonterra Welfare Fund. Important Note AXA Group Insurance Group Income Continuance Insurance Policy Fonterra Welfare Fund Important Note Cover will not commence under this Policy until all of the following applies: 1. You accept our (the Insurer

More information

Priority Protection. Product Disclosure Statement Version 15, Date Prepared 21 November 2015. Life s better with the right partner

Priority Protection. Product Disclosure Statement Version 15, Date Prepared 21 November 2015. Life s better with the right partner Priority Get a 12.5% initial discount on eligible lump sum AIA Australia policies with Turn to the back to find out about AIA Vitality, our health and wellness rewards program. Product Disclosure Statement

More information

Income Protection, Life and Total and Permanent Disablement Insurance for Avant Doctors

Income Protection, Life and Total and Permanent Disablement Insurance for Avant Doctors Aus Income Protection, Life and Total and Permanent Disablement Insurance for Avant Doctors Combined Financial Services Guide and Product Disclosure Statement Avant Insurance Limited ABN 82 003 707 471

More information

Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249

Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249 The Transport Industry Superannuation Fund Insurance Guide Prepared and issued 1 July 2014 Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249. This information in this guide forms part of the Product

More information

NESS Super Insurance changes. NESS Super Insurance changes. NESS Super, we ve got you covered...

NESS Super Insurance changes. NESS Super Insurance changes. NESS Super, we ve got you covered... NESS Super Insurance changes NESS Super Insurance changes NESS Super, we ve got you covered... Insurance Guide Insured Benefits from 1 July 2013 1 Default Insurance cover This information should be read

More information

Professionals Income Protection Plan

Professionals Income Protection Plan Customer Services Phone 1800 658 679 Fax 02 9234 6668 Email customer@ing.com.au Postal address Customer Services GPO Box 5306 Sydney NSW 2001 Website www.ing.com.au Professionals Income Protection Plan

More information

BT Life Protection Plans (Wrap and Wrap Essentials)

BT Life Protection Plans (Wrap and Wrap Essentials) BT Life Protection Plans (Wrap and Wrap Essentials) Product Disclosure Statement and Policy Document ( PDS ) Product Disclosure Statement Dated: 1 December 2008 The Arranger of the BT Life Protection Plans

More information

1 July 2015. REI Super. Insurance Guide INDUSTRY SUPER FUND LOW FEES RUN ONLY TO BENEFIT MEMBERS

1 July 2015. REI Super. Insurance Guide INDUSTRY SUPER FUND LOW FEES RUN ONLY TO BENEFIT MEMBERS Insurance Guide 1 July 2015 REI Super Insurance Guide INDUSTRY SUPER FUND LOW FEES RUN ONLY TO BENEFIT MEMBERS CONTENTS 1. REI Super Insurance at a glance 2. Your insurance options 3. Death and Total and

More information

Insurance Guide. Super. 1 October 2015

Insurance Guide. Super. 1 October 2015 Super Insurance Guide 1 October 2015 The information in this document forms part of the Product Disclosure Statement (PDS) for the Mine Wealth and Wellbeing Superannuation Fund. You should read the PDS

More information

At a glance. Income Protection. Protection to survive life s ups and downs.

At a glance. Income Protection. Protection to survive life s ups and downs. At a glance Protection to survive life s ups and downs. P r o t e c t i o n f i r s t Why Protection? With Protectionfirst you have peace of mind knowing that you and your family will be financially secure

More information

Product Disclosure Statement. Life Insurance. Issue no. 1 Term Life Recovery Stand Alone Recovery Income Protector Income Advantage Business Expenses

Product Disclosure Statement. Life Insurance. Issue no. 1 Term Life Recovery Stand Alone Recovery Income Protector Income Advantage Business Expenses Product Disclosure Statement Life Insurance Issue no. 1 Term Life Recovery Stand Alone Recovery Income Protector Income Advantage Business Expenses Issued 1 March 2004 Contents 1 About Asteron 2 About

More information

Optional Income Protection Insurance Cover

Optional Income Protection Insurance Cover Optional Income Protection Insurance Cover Members of AMIST Super may apply for Income through the fund. This insurance provides benefits in the event that you are unable to work in your current occupation

More information

DISABILITY INCOME PROTECTION TotalCareMax Adviser information

DISABILITY INCOME PROTECTION TotalCareMax Adviser information Life Disability Income Protection Adviser information DISABILITY INCOME PROTECTION TotalCareMax Adviser information Life. Take charge. sovereign.co.nz HOW SOVEREIGN S DISABILITY INCOME PROTECTION COVER

More information

ENERGY SUPER INSURANCE GUIDE. Prepared and issued 1 July 2015

ENERGY SUPER INSURANCE GUIDE. Prepared and issued 1 July 2015 ENERGY SUPER INSURANCE GUIDE Prepared and issued 1 July 2015 CONTENTS Insurance Overview 1 Death & TPD cover 1 Income Protection cover 10 Other insurance information 18 Definitions 19 ABOUT THIS ENERGY

More information

INSURANCE GUIDE For members of Apex Super Fund

INSURANCE GUIDE For members of Apex Super Fund INSURANCE GUIDE For members of Apex Super Fund Apex Super The information in this document forms part of the Product Disclosure Statement of Apex Super Fund dated 1 October 2014. 1 October 2014 Introduction

More information

Important changes to insurance

Important changes to insurance Important changes to insurance Effective 1 July 2013 rest.com.au 1800 063 627 Contents Why have these changes been made? 2 New cover levels 2 New insurance costs 5 Access to higher cover under the new

More information

How To Get Insurance With Nfsf Super

How To Get Insurance With Nfsf Super Insurance guide Employer Sponsored Division This guide contains important information about your NSF Super insurance options. Contents Contents 1. Automatic Death and TPD insurance cover... 3 2. Voluntary

More information

Westpac Protection Plans. Product Disclosure Statement and Policy Document ( PDS )

Westpac Protection Plans. Product Disclosure Statement and Policy Document ( PDS ) Westpac Protection Plans Product Disclosure Statement and Policy Document ( PDS ) Westpac Term Life Westpac Term Life as Superannuation Westpac Standalone Living Insurance Westpac Standalone Total and

More information

Insurance and your PSSap super

Insurance and your PSSap super Insurance and your PSSap super Issued 1 July 2013 The information in this document forms part of the Product Disclosure Statement for the Public Sector Superannuation accumulation plan (PSSap), sixth edition,

More information

Suncorp Life Protect Product Disclosure Statement

Suncorp Life Protect Product Disclosure Statement Suncorp Life Protect Product Disclosure Statement Prepared on: 20 February 2015 Effective date: 30 March 2015 Important Information This is the Product Disclosure Statement (PDS) for Suncorp Life Protect.

More information

At a. glance. Income. Protection. Protection to survive life s twists and turns

At a. glance. Income. Protection. Protection to survive life s twists and turns At a glance Income Protection Protection to survive life s twists and turns Aviva Income Protection Take a look Standard care 4 Gold care 4 Extra care 4 How do Excell and Gold compare? 5 1 Why Protection?

More information

LIFE INSURANCE. Product Disclosure Statement

LIFE INSURANCE. Product Disclosure Statement LIFE INSURANCE Product Disclosure Statement This product and Product Disclosure Statement are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, AAMI. Contents

More information