1 Personal Personal insurance Protection for all life stages Financial solutions. For life.
2 Contents Protecting your well-being and your family s 3 Why leave anything to chance? 4 Making it easier for you to do business 10 Protecting your National loan repayments 11 Choosing the best insurance for you 12 Other ways we can help 14 Footnotes 15 Important information 16 2 Important information Please refer to the Footnotes and Important information sections at the back of this brochure for information you should know before acquiring any of the products detailed in this brochure.
3 Protecting your well-being and your family s How are you going with your life goals? Maybe you and your partner have just bought a house, or possibly you ve done it on your own. Perhaps you re finally starting up your own business, or you could be at the stage where all your hard work is paying off and you re enjoying a more leisurely lifestyle. Wherever you re at, one sure thing is life keeps you guessing. There are happy surprises, little twists of good fortune and, every so often, an unexpected turn of bad luck. You need to be able to ride out the difficulties and avoid serious financial repercussions for you and your family. You may have already spoken to a financial planner about ways to protect your livelihood and quality of life. There s no doubt you ll rest easier once you have a plan in place, but what should that plan be? MLC Limited and MLC Nominees Pty Limited, part of the National Group of companies, provide a range of awardwinning life insurance solutions. Which of these may be right for you depends on a range of different factors, including for example your occupation, age, dependants and assets, as well as your goals in life. No one has the same set of needs. This brochure outlines some of these personal insurance solutions. 3
4 Why leave anything to chance? MLC Personal Protection Portfolio and MasterKey Protection Essentials There are lots of different policies and packages on the market, so how do you choose? The advice of someone you trust is important, since wealth protection is one of the cornerstones of wealth creation. Maybe you already have a good relationship with a financial planner? If not, a National Financial Planner 1 can take you through your options based on your personal insurance needs. MLC Personal Protection Portfolio can provide a range of life insurance options in a single package. The following types of insurance are available within the MLC Personal Protection Portfolio: Life Cover Total and Permanent Disability (as an extension of Life Cover) Critical Illness (as an extension of Life Cover or as stand-alone cover) Income Protection Business Expenses 4
5 MasterKey Protection Essentials offers you a streamlined application process and the fundamental components of protection, including: a maximum amount of insurance on application of $750,000 for Life Cover*; and a maximum monthly benefit of $6,000 for Income Protection. * The sum of the Total and Permanent Disability and the Critical Illness benefit under MasterKey Protection Essentials can be no more than the amount of the Life Cover benefit. The Life Cover benefit is reduced by any amount paid for Total and Permanent Disability or Critical Illness. Critical Illness is not available as a stand-alone policy with MasterKey Protection Essentials. In 2004, for the third year running, Personal Investor Magazine named MLC Insurance Company of the Year in the Personal Investor Magazine Awards for Excellence in Financial Services. Insurance Company of the Year - MLC 2002 / 2003 /
6 It s never something you like to think about, but what if the worst happened? Life, disability and critical illness cover Serious injury and illness even death can and do happen, and the last thing anyone wants at such a time is financial worry. How do you protect against the financial impact for you and your family in such a situation? Life Cover 2 Under this type of insurance, an agreed lump sum payment is paid if the life insured dies while the policy is in force. If the life insured is diagnosed with a terminal illness as defined in the policy, the full life cover benefit is paid, up to a maximum of $2 million under MLC Personal Protection Portfolio and $750,000 under MasterKey Protection Essentials. Total and Permanent Disability 3 For an extra premium, Total and Permanent Disability can be added to Life Cover. You can choose to have all or part of your life cover benefit paid if you become disabled or lose your independence in any way which meets the definitions set out in your policy. Critical Illness 4 Critical Illness cover can help soften the financial blow of a critical illness. Under this type of insurance, a lump sum will be paid if you contract a specified critical condition as defined in your policy. This insurance can be an extension of Life Cover or can be a stand-alone solution for Critical Illness Plus under MLC Personal Protection Portfolio. MLC offers a choice of Critical Illness insurance plans to suit your needs and budget: cover that incorporates a broad range of benefits and options; or more limited cover for a lower premium. 6
7 What about protecting your income? Income Protection 5 What if injury or sickness prevents you from working for a few months? Again, not things you want to think about, but they can and do happen. Your expenses won t stop. What s already a stressful time might only get worse. Under Income Protection, benefits are payable for each month that you are totally or partially disabled or under rehabilitation, as defined in the policy. The benefit (which can be up to 75% of your earnings) is usually payable monthly in arrears from the end of the waiting period that you select. There is a choice of Income Protection plans to suit your needs and budget: cover that incorporates a broad range of benefits and options; or more limited cover for a lower premium Business Expenses 6 Business Expenses is only available under MLC Personal Protection Portfolio. If you run your own business, you know that generally your expenses come straight out of the income you receive. Many expenses will keep on coming if you re unable to work due to injury or sickness. To protect your business and keep it running while you re totally disabled, as defined in the policy, Business Expenses insurance can provide cover to reimburse you for certain business expenses during the period of your total disability. The benefit is payable for expenses arising after the waiting period you select has expired. 7
8 More ways MLC Personal Protection Portfolio and MasterKey Protection Essentials can meet your needs In accordance with the MLC Guarantee of Upgrade, whenever MLC improves the benefits of a type of insurance that you have chosen as part of MLC Personal Protection Portfolio, or MasterKey Protection Essentials, MLC will add these improvements to your policy for future claims and future health conditions and events. Flexibility now, and in the future Is your life simple and straightforward, or is your network of relationships and dependants a little more complex? With MLC Personal Protection Portfolio or MasterKey Protection Essentials, you can cover yourself and up to five other lives insured all under the same policy with just one policy fee. Will the benefits you choose now still be adequate in 10 years time? Your insurance may be inflation-linked, so that the sum insured increases in line with any increases in the Consumer Price Index. An additional premium will be payable for this feature. 8
9 Financial planning for more effective personal insurance strategies If you choose solutions that provide for nominated beneficiaries to receive a lump sum payment, they may automatically receive a free Financial Planning Benefit. The payment is likely to be a lot of money, after all, so how it s invested or used is important. When a lump sum benefit of at least $100,000 is paid to a beneficiary, MLC will cover the reasonable cost, up to $2,000, of a fully documented financial plan prepared by a qualified Financial Adviser for the beneficiary. Where there is more than one beneficiary of a lump sum benefit, the right to the above financial planning benefit (and the $2,000 benefit limit) will be divided equally between those beneficiaries who each receive a benefit of at least $100,000. 9
10 Making it easier for you to do business MLC Life Cover Super If you are self-employed or a business owner, as well as needing to plan for the risk of death or disability, you also have the added responsibility of looking after your own superannuation and business insurance needs. MLC Life Cover Super 7 makes it easy by providing life insurance which can be tailored to fit in with your superannuation needs. Life Cover Super provides: Life Cover Total and Permanent Disability Tax benefits may make your insurance cover significantly cheaper on an after-tax basis. You may be able to save on the cost of life insurance premiums by buying insurance cover through a superannuation fund. 10
11 Protecting your National loan repayments National LoanCover Are you considering taking out a home loan or personal loan with the National? You might want to consider protection to assist in covering your loan repayments should you suffer the trauma of death, disablement or critical illness. Subject to the terms and conditions of the policy, National LoanCover can meet monthly mortgage repayments of up to $5,000 if you are disabled, or pay the outstanding balance of your loan up to $250,000 (depending on your age) if you die or suffer a specified serious illness. What do you have to do to arrange this cover? Nothing too hard. There are no blood tests, examinations, or lengthy medical questionnaires. You simply complete an application form at the same time you are applying for the loan. Premiums are then deducted from a National savings or transaction account, or funded through the loan itself. For more information on National LoanCover, talk to your National banker. 11
12 Choosing the best insurance for you What risks can you be covered for? Which insurances offer the benefits you might need? When considering how to best protect your wealth and livelihood, it s essential you take into account the inevitable changes in your circumstances further down the track. That s why it s so important to seek advice, and that s where a National Financial Planner 8 can help. To make an appointment, call Insurance solutions available through the National 1 MLC Personal Protection Portfolio Life Cover (Plus or Standard) Provides for the payment of an agreed lump sum on death or terminal illness. Total and Permanent Disability Provides an agreed lump sum if you suffer total and permanent disability and are unable to work again. Available only with Life Cover. Critical Illness (Plus or Standard) Pays an agreed lump sum benefit on the occurrence of a specified medical event as described in the policy. (Critical Illness Standard is available only with Life Cover, while Critical Illness Plus is available with Life Cover or as stand-alone cover.) Income Protection (Plus or Standard) Covers you for a monthly benefit to help replace lost earnings if you are disabled and cannot work. Business Expenses Covers you for the reimbursement of certain business costs (for self-employed and small partnerships) up to an agreed monthly benefit when a disability renders you unable to work. 12
13 2 MLC MasterKey Protection Essentials Life Cover Provides for the payment of an agreed lump sum on death or terminal illness, to a maximum of $750,000. Total and Permanent Disability Provides an agreed lump sum if you suffer total and permanent disability and are unable to work again, to a maximum of $750,000. Available only with Life Cover. Critical lllness Pays an agreed lump sum benefit on the occurrence of a specified medical event as described in the policy, to a maximum of $750,000. Available only with Life Cover. Income Protection Covers you for a monthly benefit to help replace lost earnings if you are disabled and cannot work, to a maximum monthly benefit of $6,000. Note that the sum of the Total and Permanent Disability benefit and the Critical Illness benefit under MasterKey Protection Essentials can be no more than the amount of the Life Cover benefit. 3 MLC Life Cover Super 9 Life Cover (Plus or Standard) Provides for the payment of an agreed lump sum on death or terminal illness and tailored to fit your superannuation needs. Total and Permanent Disability Provides an agreed lump sum if you suffer total and permanent disability and are unable to work again. Available only with Life Cover. 4 National LoanCover Protects your National home loan and National personal loan repayments should you die, become disabled or suffer a specified critical illness, to a maximum of $5,000 a month or $250,000 a loan. 13
14 Other ways we can help As you consider your options for personal insurance, it may be you re also thinking about other financial matters in your life. For advice about the bigger picture, you might want to meet with a National Financial Planner 10. For more information, visit national.com.au or call You may want to reassess your general insurance cover as well. Through the National you can arrange protection solutions for specific needs, including for your home, residential investment property and car. For more information on the general insurances outlined below, pick up a copy of our General Insurance brochure from a National branch or call General insurance solutions available through the National National Home Insurance offers you quality cover for your building and its contents against insured events. National Car Insurance offers you three levels of quality cover for your car; Comprehensive, Third Party Property Damage, and Third Party Property Damage, Fire and Theft. National Residential Investor Insurance can protect the rental income a property generates as well as the property itself in a single, competitively priced policy. We also have a series of free Information Guides on major life events including investment, retirement, family, and starting a business. You can download them from national.com.au, call or ask for a copy at any National branch. Whenever you want to know your options, we re here. Ready when you are. 14
15 Footnotes 1,8,10 National Financial Planners are representatives of National Australia Bank Limited, Australian Financial Services Licensee ,3,4,5,6 The insurance cover is subject to terms and conditions and exclusions may apply. Please refer to the policy document for the full terms, conditions and exclusions. 7,9 MLC Life Cover Super (LCS) is issued by MLC Nominees Pty Limited ABN MLC Life Cover Super forms part of The Universal Super Scheme of which MLC Nominees Pty Limited is Trustee. MLC Life Cover Super (LCS) is subject to Government regulations which restricts payments from superannuation funds. This means that payments are subject to preservation rules, and the Trustee may not pass benefits to you until it has satisfactory proof that you will never be able to work again in any occupation you are reasonably suited to by education, experience or training or until you satisfy one of the other conditions of release prescribed by law. If you do not satisfy a condition of release the Trustee must preserve the benefit in the Scheme until it is allowed to release it. More information about MLC LCS is contained in the Important information section. 15
16 Important information The information in this document is of a general nature and has been prepared by National Australia Bank Limited ABN (National) for information purposes only. The information in this document is current as at the time of printing (February 2005) but may change without notice. The products and services described are available only to approved customers. Terms and conditions and fees and charges apply. Any advice contained in this brochure has been prepared without taking into account your objectives, financial situation or needs. As such, before acting on any advice in this brochure, the National recommends that you consider whether it is appropriate for your objectives, financial situation and needs. You should obtain a copy of the Product Disclosure Statement (PDS) for the products in this brochure and you should consider the information in each PDS before making any decision about whether to acquire or continue to hold any of the products. The National recommends you obtain financial advice specific to your situation before making any financial investment or insurance decision. MLC Personal Protection Portfolio (PPP) and MasterKey Protection Essentials (MPE) are issued by MLC Limited ABN (MLC), AFSL of Miller Street, North Sydney NSW 2060, a member of the National group of companies. MLC Life Cover Super (LCS) is issued by MLC Nominees Pty Limited ABN , AFSL of Miller Street, North Sydney NSW MLC Life Cover Super forms part of The Universal Super Scheme of which MLC Nominees Pty Limited is Trustee. The life insurance cover referred to in this brochure for MLC LCS is issued by MLC Limited to MLC Nominees Pty Limited. Information about MLC PPP, MLC MPE and MLC LCS is contained in the respective current PDS for each of these, copies of which are available by phoning or visiting the MLC website at mlc.com.au. Applications for MLC PPP, MLC MPE and MLC LCS are subject to acceptance by MLC or the Trustee and must be made on an application form accompanying or attached to the current PDS. Please note that there is no separate PDS available for the underlying life insurance policy referred to in the MLC Life Cover Super PDS. An MLC PPP, MLC MPE policy or an interest in MLC LCS held through The Universal Super Scheme does not represent a 16
17 deposit with or a liability of National Australia Bank Limited or any other member of the National group of companies (other than a liability of MLC Limited as insurer). Neither National Australia Bank Limited nor any other member of the National group of companies (other than MLC Limited as insurer) guarantees or accepts liability in respect of MLC PPP, MLC MPE or MLC LCS. National LoanCover (LoanCover) is issued by National Australia Financial Management Limited ABN (NAFM) AFSL of 800 Bourke Street, Docklands VIC 3008, a member of the National group of companies. Information about LoanCover is contained in the current PDS which is available by phoning Applications for LoanCover must be made on an application form accompanying or attached to the current PDS. A LoanCover policy does not represent a deposit with or a liability of National Australia Bank Limited or any other member of the National group of companies (other than a liability of NAFM as insurer). Neither National Australia Bank Limited, nor any other member of the National group of companies (other than NAFM as insurer) guarantees or accepts liability in respect of LoanCover. National Home Insurance, National Car Insurance and National Residential Investor Insurance are issued by Allianz Australia Insurance Limited ABN (Allianz), 2 Market Street, Sydney NSW 2000, Australian Financial Services Licensee These insurances are arranged by National Australia Financial Management Limited ABN (NAFM), a member of the National group of companies, as agent of Allianz. NAFM receives a commission for arranging these insurances. Information about each of these products is found in the relevant Policy Document (Product Disclosure Statement) each of which is available by phoning the Insurance Hotline on Neither the National nor any other member of the National group of companies (including NAFM) guarantees or accepts liability in respect of these insurances issued by Allianz. Applications for insurance are subject to eligibility. Conditions apply to all insurances mentioned in this brochure, and exclusions may apply. Please refer to the relevant policy document and PDS for the full terms and conditions of cover. 17
18 18 This page has been left blank intentionally
19 Other useful titles Personal Personal Home loans Helping you choose the one that s right for you General insurance Protecting the things you value Financial solutions. For life. Financial solutions. For life. Personal Personal Investment loans Smart steps to financial growth Financial planning Reaching your goals sooner Financial solutions. For life. Financial solutions. For life. 19
20 Want more information? Just call am 8pm EST, Monday to Friday or visit us at national.com.au Hearing impaired customers with telephone typewriters can contact us on National Australia Bank Limited ABN NAB02635 (02/05)
PROTECTING YOUR BUSINESS planning for the unexpected Please refer to the last page of this brochure for important information you should know before acquiring any of the products detailed in this brochure.
MLC Insurance Enjoy life Enjoy life! Enjoying life is all about living today. But it s not always easy if you are worried about tomorrow. So rather than worrying about what may or may not happen, insure
MLC Insurance Making your insurance even better MLC Life Cover Super and MLC Personal Protection Portfolio Effective from: 12 November 2010 We ve made a number of improvements including: keeping your insurance
MLC Insurance Level premium Making your insurance more affordable long-term There are generally two ways to pay your premium. Which is best? When you take out insurance, there are generally two ways you
MLC Insurance How to make your insurance more affordable Insurance could be more affordable than you think Research has shown Australians are worryingly underinsured. 1 One reason is many people under-estimate
Version 4.0 Preparation Date: 2 November 2009 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to insurance. Important
Understanding insurance Version 5.0 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to insurance. This document
Protect your family ClearView LifeSolutions Life Cover, Trauma Cover and other tailored insurances Insurances to meet your needs Defence Health has partnered with ClearView to provide an extensive range
Version 4.2 This document provides some additional information to help you understand the financial planning concepts discussed in the SOA in relation to. Important information This document has been published
Understanding Insurance Preparation Date: 26 November 2007 How to read this document Managing your finances to meet your day to day requirements as well as your long-term goals can be a complex task. There
NAB Mortgage Protect Policy Document This insurance policy is issued by MLC Limited (MLC). This document is part of the insurance Policy You have taken out. The following pages describe the terms of Your
Insurance delivering peace of mind Your guide to insurance at Plum Contents Why insurance matters 2 Types of cover 4 What s right for me? 7 1 Safeguarding you and your family Life is unpredictable. From
Goldman Sachs & JBWere Superannuation Fund 2015 INSURANCE PULSE CHECK SOLD Life changes. Your insurance needs to as well. Life is a journey, full of important events, stages and milestones each with its
Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Effective 25 June 2014, this document updates the Sum m ary of incom e p ro t ect ion d if f erences in sid e an d
Understanding Superannuation Client Fact Sheet July 2012 Superannuation is an investment vehicle designed to assist Australians save for retirement. The Federal Government encourages saving through superannuation
BT 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 BT 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
SMSF Plan CommInsure s SMSF Plan is a customised, easy to use product designed to offer SIS-aligned cover to SMSF trustees. This has the potential to reduce the compliance burden on trustees when selecting
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
MLC Insurance How safe are your parent s retirement plans? Retirement Protection Plan How safe are your parent s retirement plans? Consider a protection plan For them and your children Retirement Protection
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
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
MLC MasterKey Super & Pension Fundamentals MLC MasterKey Super & Pension How to Guide Preparation date 1 July 2015 Issued by The Trustee, MLC Nominees Pty Limited (MLC) ABN 93 002 814 959 AFSL 230702 The
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
July 2013 Page 1 Contents Category 1 - Permanent and Part Time staff working more than 15 hours per week Benefits in Brief...1 Getting Started...1 Your Investment Choices...2 Benefits of Insurance Cover...2
ANZ Mortgage Protection Because your mortgage payments don t stop if your income does. What if you couldn t pay your home loan? We insure our cars, our homes and other assets but what about our ability
Contents BT Super for Life Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with BT Super for Life 3 4. Risks of super 5 5.
FACT SHEET Your insurance options with Prime Super (Prime division) Now incorporating 1 May 2014 If something were to unexpectedly go wrong, life insurance is a vital safety net to protect your loved ones.
Financial Services Guide Effective Date: 01.08.2015 Contents About this document 3 Financial services and products we are authorised to provide 4 Who does NAB act for when providing financial services?
Financial Services Guide Effective Date: 01.07.2013 Contents About this document 3 Financial services and products we are authorised to provide 4 Who does NAB act for when providing financial services?
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
A Guide to Managing Personal Risk 1 A Guide to Managing Personal Risk Personal Risk is about more than just the Life Cover/ TPD attached to your super policy which is paid out on the event of your death.
At a glance Lump Sum Protection Protecting your future to make the most out of life. INFORMATION FOR ADVISERS 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
Product Disclosure Statement For NAB Mortgage Protect Preparation Date: 23 June 2012 Issue No. 1 This Product Disclosure Statement (PDS) is issued by: MLC Limited, ABN 90 000 000 402 AFSL 230694 You ve
Preparation date 5 December 2014 Issued by The Trustee MLC Nominees Pty Limited (MLC) ABN 93 002 814 959 AFSL 230702 The Fund The Universal Super Scheme ABN 44 928 361 101 This application form is valid
Contents What is insurance?... 3 What types of insurance are there?... 4 Life insurance... 5 Total and Permanent Disability insurance... 6 Trauma insurance... 7 Income Protection insurance... 8 Insurance
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
Key Person Income A new insurance solution for small business A 50 year old male has a 46% chance of suffering a sickness or injury before age 65 that results in three or more months off work. 1 1. Source
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
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
A simple guide to Life Insurance Your guide to Life, Income Protection, Trauma, and Total & Permanent Disability Insurance. Lifebroker Pty Ltd ABN 92 083 177 011 Introduction Why do I need personal insurance?...
Personal Savings & investments Simple ways to get steady returns Financial solutions. For life. Important information Please refer to the last page of this brochure for important information you should
Insurance facts you should know 2 Insurance facts you should know Contents 1 Even non-income earners need to be insured 2 Inside or Outside super? 3 Your insurance needs change on an annual basis 4 Different
Insurance from MLC Making your insurance even better MLC Life Cover Super and MLC Personal Protection Portfolio Effective from: 17 October 2011 Making sure you re well protected We regularly review our
This is an electronic version of the Product Disclosure Statement. Applications for MLC Personal Protection Portfolio may only be made by persons receiving this electronic document within Australia. Should
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?
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
Contents BT Lifetime Personal Super Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Benefits of investing with BT Lifetime Personal Super
Income Protection and Total and Permanent Disability Important information George s story and Leona s story are hypothetical stories and are included for illustrative purposes only. The names and identifying
Retirement made easy Helping you achieve your retirement goals rest.com.au/restpension 1300 305 778 Helping you achieve your retirement goals As you near retirement you probably have a number of questions
CommInsure Aviation Cover Income Protection for VIPA members In association with What is Income Protection? Income Protection is a monthly payment that replaces 75% of your income should you suffer sickness
Insurance facts you should know 2 Insurance facts you should know Contents 1 Even non-income earners need to be insured 2 Inside or Outside super? 3 Your insurance needs change on an annual basis 4 Different
The benefits of insuring through super Macquarie Life While your clients are accumulating wealth, they also need to ensure adequate insurance cover is in place so they and their families are looked after
Simplifying Statements of Advice Life Risk example SOA 9 December 2008 Life Risk Statement of Advice for Frank and Nancy Stoop, Development of the Life Risk example SOA Financial planners, politicians,
Australia Group Superannuation Fund Your Super Guide Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category Contents 1 About Nestlé Super p2 2 How super works p2 3 Benefits
Income protection? Income protection replaces your income Income protection? Income protection replaces your income Income protection? Income protection replaces your income My Name Financial Income protection?
Adviser Tax Guide ONECARE 1 JULY 2014 ANZ WEALTH This guide is current at 1 July 2014 and is subject to change. Updated information will be available free of charge from onepath.com.au or by calling 1800
The value of life insurance Important information CommInsure Protection is an insurance product which is offered through the Colonial Super Retirement Fund ABN 40 328 908 469 (the Fund). Colonial Mutual
The value of life insurance Most of us think it won t happen to me And if you are very lucky, it might not. But, chances are, many of us will have our lives interrupted by an accident, illness or death.
Insurance from MLC Taking care of you and your loved ones Whether you need to protect your income and lifestyle, family home or children s future this brochure is designed to help you consider what protection
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
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
ADVISER SWITCHBOARD USER GUIDE For: MLC Personal Protection Portfolio (PPP) MLC Life Cover Super (LCS) ASB User Guide_12112010.doc TABLE OF CONTENTS 1 INTRODUCTION TO ADVISER SWITCHBOARD... 3 1.1 INSTALLATION...
Insurance facts you should know contents 1 Even 2 Inside 3 Your 4 tpd, non-income earners need to be insured or Outside super? insurance needs change on an annual basis Income Protection, Life Insurance
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
Aviation Cover Income Protection B Important information This advice has been prepared without taking account of your objectives, financial situation or needs. Because of that, before acting on the advice,
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,
Ensuring your quality of life Rightway Insurance Services is a personal risk insurance specialist offering Income Protection, Life, Trauma and Total and Permanent Disability insurance. Why is insurance
Changes to insurance in the IAG & NRMA Superannuation Plan As an accumulation member of the IAG & NRMA Superannuation Plan, you and your family can gain real peace of mind and financial security from knowing
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
AXA s individual insurance solution upgrade october 2008 Some insurance leaves clients vulnerable. We ve developed better ways of protecting them. AXA s individual insurance upgrade Premium quoting tool
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
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
Insurance handbook for Cbus Industry Super Auth. No. 75 493 363 262 473 8 September 2014 The information in this document forms part of the Product Disclosure Statement for Cbus Industry Super of 8 September
Insurance Guide PDS Supplement we make it easy for you Dated 10 November 2015 CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725 PDS Supplement The information
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
Personal Loans Everything you need to get you moving. Start with Suncorp Bank If you ve found something you love, and you just can t wait to make it yours, a Suncorp Bank Personal Loan can help. Whether
LIFE INSURANCE PREPARING FOR THE FUTURE Bupa life insurance is issued by ClearView Life Assurance Limited (ABN 12 000 021 581) (AFS Licence No. 227682) ( ClearView ). Bupa Australia Pty Limited (ABN 81
Fact sheet Personal insurance Current as at 15 April 2012 What is insurance? Insurance is an agreement with an insurance company to pay you a sum of money if something is damaged or lost. It is form of