# Optional Income Protection Insurance Cover

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4 Optional Income Protection Insurance Cover - continued GROUP 2 Payment Period Age Attained Insured members (Group 2) Premium Rates (\$) per annum for each GROUP 3 Payment Period Age Attained Insured members (Group 3) Premium Rates (\$) per annum for each AMIST Super Product Disclosure Statement February 2009

5 Example 1 Peter, who is 50 years old and works 100% of his time in administrative duties in the office (without manual duties) of a meat company and has done so for at least the last twelve months, wants to take out Income Protection insurance. He earns \$46,800 per annum and wants to take out \$2,500 of monthly cover with a 90 day waiting period. The maximum level of monthly cover that Peter can take out is \$2,925 per month (\$46,800 x 75% 12). Therefore, the level of cover Peter wants is below the maximum. To find out how much this insurance would cost him per month, he does the following: Group: As Peter s occupation does not involve any manual labour, he comes under Group 1. He has selected a 90 day waiting period. Age: Peter is 50. Looking at the table, the annual premium for a 50 year old in Group 1 with a 90 day waiting period is \$7.11 per annum for \$100 of monthly benefit. Cover: Peter wants \$2,500 per month worth of cover. This is equivalent to 25 units (each unit being \$100). Cost: Therefore, Peter s annual Income Protection insurance premium is \$7.11 (the cost of one unit of cover) multiplied by 25 (the number of units) = \$ per annum which is the equivalent of \$14.81 per month. Example 2 Matthew, who is 30 years old, is a meat worker in an abattoir and wants to take out Income Protection insurance. He earns \$30,000 per annum and wants to take out the maximum level of monthly cover with a 90 day waiting period. The maximum level of monthly cover that Matthew can take out is \$1,875 (\$30,000 x 75% 12). Matthew decides to take out 19 units of cover which represents a benefit of \$1,900. He would only receive a benefit of \$1,875 however, as this is 75% of his income. To find out how much this insurance would cost him per month, he does the following: Group: As Matthew s job involves manual labour in an abattoir he comes under Group 3. Matthew decides on a 90 day waiting period. Age: Matthew is 30. Looking at the table, the annual premium for a 30 year old with a waiting period of 90 days is \$12.54 per \$100 of monthly benefit. Cover: Matthew wants \$1,875 per month of cover. This is equivalent to 19 units (each unit being \$100). Cost: Therefore, Matthew s annual Income Protection insurance premium is \$12.54 (the cost of one unit of cover) multiplied by 19 (the number of units) = \$ per annum which is equal to \$19.86 per month. 21

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