2 Income Protection Policy Wording 1. Introducing your policy 2. What you can expect from us 3. Making a claim 4. How does the Income Benefit work? 5. What aren t you covered for? 6. How does the Redundancy Benefit work? 7. Some terms defined 8. If you need to register a complaint Income Protection from Cigna is designed to help you pay your bills if you can t work because of an illness or injury. Please read this document (plus your Policy Summary and application summary) carefully. It s important you understand all your Policy documents as they are the contract between you and Cigna. If you have any questions about your Policy, please contact us on Income Protection from Cigna: Up to $10,000 a month cover for up to 2 years We ll cover you if you are working overseas We ll waive your premiums if you are on claim or made redundant
3 1. Introducing your Policy Income Protection If you are Unable to Work because of an Illness or Injury, we ll pay you a monthly benefit of up to 75% of your Income at the time you claim you ll need to make sure your premiums are up to date and the conditions of this Policy are met. The specific details of your cover and how it works are explained later in this document and in your Policy Summary. Redundancy Benefit If you are made Redundant we ll waive your premiums, while you are off work, for up to 6 months. your premiums at any time, simply contact us to discuss your options. Any health, occupational or financial changes that occur after your Policy starts may affect the terms of your cover if you change it we ll make sure you know about any changes. Your 30 day free look period Because it s important that you are entirely satisfied with your insurance, we offer a 30 day free look period starting when we post or your Policy documents to you. If for any reason you want to cancel this Policy, please call our customer services team. Any premiums that you ve paid during the 30 day period will be refunded and we ll confirm in writing that the Policy has been cancelled. Renewal of your Policy We ll automatically renew your Policy on each Anniversary Date until you cancel the Policy or stop paying your premiums. The last renewal of your Policy will be for the 12 months starting on the Anniversary Date of your Policy before your 65th birthday. Your $100 Healthy Living Bonus If you haven t made a claim in the first year and all your premiums have been paid, we ll pay you $100 within 60 days of your first Anniversary Date. Changing your cover It s important to review your insurance regularly to make sure you have the right amount of cover you need. If your income changes, you may want to change your Benefit Amount/s to match 75% of your new income. You can apply to change your Benefit Amount/s, Benefit Term, Wait Period and how you pay Cancelling your Policy You can cancel your Policy any time. If you cancel after the 30 day free look period, your premiums won t be refunded. Also, there is no cash value for this Policy if you cancel it. Worldwide cover You re covered for any Illness or Injury that happens almost anywhere in the world but you have to be living and working in New Zealand to buy this cover. You ll also need to return to New Zealand after 3 months on claim to be eligible for any further claim payments. Please see the exclusions for countries that are not covered.
4 Your responsibility to be open and honest We rely on the information you give us to cover you with Income Protection and pay any claims. If you don t give us all the information we ask for or any other Material Information during your application process or when you change your Policy later on, we may decline your claim, cancel your Policy from the Cover Start Date, and/or retain all or some of your premiums. If you provide false or incorrect information in support of a claim we may decline your claim and/or cancel your Policy. Tax If we are required to pay any tax, duty or government charge or levy relating to any amount payable to you under this Policy, we may reduce the amount we pay to you by the amount of that tax, duty or government charge or levy. 2. What you can expect from us Increases to your cover for inflation To help keep your total cover up to date, we will offer you an increase on each Anniversary Date. The increase will be the official rate of inflation up to a maximum increase of 10% per year. We ll send you a letter with your new cover and Premium Amount. The increase will apply to your Benefit Amount/s. If you are on claim when your cover increases for inflation, your actual Income Benefit won t increase. You don t have to accept our offer of an increase but no increases will be offered once: you have declined 3 offers or an offer to increase will make your Benefit Amount/s exceed the maximum benefit available to you. Changes to your premium Your Premium Amount is on your Policy Summary and is based on your Benefit Amount/s and other factors including your Benefit Term, Wait Period, age, gender, occupation and whether you smoke or not. Your Premium Amount will increase each year on each Anniversary Date as you get older. This increase will also take into account any increases due to inflation. As with any change to your Policy, we ll advise you in writing of any changes to your premium for the coming year. Your Anniversary Date is a great time to review your insurance to ensure that you have the right amount of cover.
5 Premium changes to all policies We may change the premiums charged for all Income Protection policies. If we do, we ll give you 30 days written notice of any change. Changes to the GST component of your Premium Under current tax laws the premiums for this Policy include Goods and Services Tax (GST). If the GST rate changes, we will adjust your premium and advise you in writing of the new premium. Your Policy will end when any of the following happen: your Premium Amount remains unpaid for 3 months. If this happens your cover will end on the date the last premium was paid up to on the Anniversary Date following your 65th birthday if you misrepresent or do not disclose Material Information during your application period (from when you complete your application up until the Policy is issued), when you change your Benefit Amount/s, Wait Period, Benefit Period or reinstate your Policy or if you provide false or incorrect information in support of a claim. 3. Making a claim If you need to make a claim, contact us as soon as possible and we ll guide you through the process. You ll need to complete a claim form and return it to us together with any information we ask for to assess your claim. Information we ll need We ll need details of the condition that has caused you to be Unable to Work and the names and contact information of all Registered Doctors that have treated you. We ll also need financial evidence of your Income and any Other Income you are receiving. During your claim, you will need to provide ongoing medical and financial evidence satisfactory to us. The cost of obtaining this information will need to be met by you. You ll also need to let us know when you return to work. We may reduce the amount we pay or refuse to pay the claim if we are unreasonably disadvantaged by the late notification of a claim. Reinstate your cover You can apply to reinstate your cover if your Policy has been cancelled because of unpaid premiums. We ll reinstate your Policy at our discretion and the terms and conditions of your reinstated Policy may be different to those that applied before it was cancelled.
6 4. How does the Income Benefit work? If you are Unable to Work due to an Illness or Injury that is not caused or contributed to by a Pre-existing Medical Condition or an excluded condition or pastime, we will pay you an Income Benefit once your Wait Period has ended. These payments will continue until: you no longer meet the definition of being Unable to Work you have been paid for the maximum Benefit Term for claims relating to the same or a related Illness or Injury or the Anniversary Date following your 65th birthday. You need to provide medical evidence satisfactory to us each month that you remain Unable to Work otherwise we may stop your payments. If you don t comply with the treatment prescribed by a registered medical practitioner that you have consulted for your Illness or Injury we may not pay your claim. Your Income Benefit will be 75% of your average monthly Income at the time you claim (up to a maximum of the Benefit Amount/s shown on your Policy Summary), less any Other Income you are entitled to receive while you are Unable to Work. Your Income Benefit will be GST inclusive. You need to continue to pay premiums during your Wait Period but if you have any premiums that become overdue during that time, we may deduct them from your monthly Income Benefit. Waiving of your premiums while you are receiving an Income Benefit We ll waive your premiums while you are receiving an Income Benefit. The premium waiver will start at the end of your Wait Period. Rehabilitation/vocational retraining We may, at our discretion, require you to undertake rehabilitation or vocational retraining as a condition of continued payments of the Income Benefit if we believe that this will assist in your rehabilitation and return to work. We ll pay the cost of any rehabilitation or vocational training that we require you to do. If you don t do the rehabilitation or vocational retraining we require you to do, we may stop your claim. How does the Income Benefit work when you claim more than once? You can claim more than once for unrelated Illnesses and Injuries. If you suffer a recurrence of the same or a related Illness or Injury and are Unable to Work, we will treat this as a continuation of the original claim (meaning the maximum Benefit Term will continue from the previous claim/s). If the recurrence occurs within 6 months of the original claim ending, no Wait Period will apply. Once your claim is accepted, your Income Benefit will be paid monthly, starting 30 days after the Wait Period ends. The payments will be made in New Zealand Dollars.
7 Some terms defined: Benefit Amount/s means the maximum Income Benefit cover/s per month, as chosen by you, and shown in your Policy Summary. Illness means any sickness or disease that happens after the Cover Start Date that is not a Pre-existing Medical Condition. Income means: if you are an employee, your highest average gross taxable monthly income earned from your occupation/s during a continuous 12 months in the 24 months immediately before the date you became Unable to Work (excluding any income from a redundancy payment). if you are self employed or a working director, the highest average gross taxable monthly income you earned from your business/es or occupation/s (after business or professional expenses) and as reported to the IRD (or the overseas equivalent) during a continuous 12 months in the 24 months immediately before the date you became Unable to Work. if you are, and have been, on parental or other unpaid leave for a period of less than 6 months when you become Unable to Work, your Income will be calculated as the highest average gross monthly income earned in a consecutive 12 month period in the 24 months immediately prior to commencing your leave. Injury means a bodily injury that happens after the Cover Start Date that is not a Pre-existing Medical Condition. Medically Acquired HIV means your infection with HIV was acquired as a result of accidental infection resulting from one of the following medically necessary events performed in New Zealand or Australia by a Registered Doctor: a transfusion of blood or blood products organ transplant to you assisted reproductive techniques or a medical procedure or operation performed by a Registered Doctor. Notification and proof of the incident will be required via a statement from a District Health Board or equivalent body confirming that the infection was medically acquired. Mental Illness means any psychiatric, psychosomatic, mental or nervous condition including, but not limited to: stress (including post traumatic stress disorder) physical symptoms of a psychiatric illness anxiety depression or depression related conditions psychoneurosis psychotic, personality, emotional or behavioural disorders or disorders related to substance abuse and dependency which includes alcohol, drugs or chemical dependency.
8 Occupationally Acquired HIV means your infection with HIV was acquired as a result of an accident arising out of your normal occupation or a malicious act of another person or persons arising out of your occupation and seroconversion to HIV occurred within 180 days of the accident or malicious act. Any incident giving rise to a potential claim must be: reported to the relevant authority or employer within 7 days of the incident and reported to us with proof of the incident within 7 days of the incident and supported by a negative HIV Antibody test taken within 7 days of the incident. Other Income means payments you receive from other sources at the time you are making a claim for an Income Benefit under this Policy. These payments include: ongoing income you are entitled to receive from your business/es or occupation/s (we will treat ongoing income in the same way that it was treated when assessing your Income at the start of the claim) income benefits received from any other income protection policy (including a Cigna policy) but not including payments from a business expenses or business overheads policy regular payments from the Accident Compensation Corporation or any other government agency sick leave payments and National Superannuation payments. Pre-existing Medical Condition means any illness, injury or medical condition which: you were being treated for at the Cover Start Date, or for which you had been treated and/or sought advice in the two years prior to the Cover Start Date or you were aware you had, or had signs or symptoms of, in the two years prior to the Cover Start Date or for which a reasonable person would have sought medical advice or treatment. Registered Doctor means a doctor registered in New Zealand or Australia who is appropriately qualified to assess your medical condition. The doctor cannot be you, your business partner or related to you. If you are in another country, the doctor must have qualifications and registration satisfactory to us and equivalent to New Zealand or Australian standards. Terrorism means the use or threatened use of force or violence against human life or property, or commission of an act dangerous to human life or property, or commission of an act that interferes with or disrupts an electronic or communication system, undertaken by any person or group, whether or not acting on behalf of or in any connection with any organisation, government, power, authority or military force, when the intent is to intimidate, coerce or harm a government, civilian population or any segment thereof, or to disrupt any segment of the economy. Unable to Work means that solely due to an Illness or Injury occurring after the Cover Start Date you are: confirmed by a Registered Doctor as being unable to perform the duties of your Usual Occupation for more than 10 hours per week and you are following the advice of a Registered Doctor in relation to the Illness or Injury for which you are claiming and
9 you are not engaged in your Usual Occupation or any other paid occupation at all. The medical information provided must be acceptable to Cigna and Cigna s medical adviser must agree that you are Unable to Work. War means any war, whether declared or not, or any warlike activities including use of military force by any sovereign nation to achieve economic, geographic, nationalistic, political, racial or religious ends. Cigna reserves the right to arrange any further medical assessments necessary to assess your medical condition and ability to work. Usual Occupation means the occupation or occupations you are employed in and receiving an income from, at the time you become Unable to Work. If, at the time you become Unable to Work, you have been unemployed, are on parental or other unpaid leave for a period of 6 months or less, we will consider your occupation immediately prior to becoming unemployed or going on unpaid leave, your Usual Occupation. If at the time you become Unable to Work you have been unemployed, on parental or any other unpaid leave for more than 6 months, you will be considered to have no Usual Occupation and will not be entitled to claim. Wait Period means the period of time (selected by you and shown on your Policy Summary) you must have been continuously Unable to Work, before you become eligible to receive an Income Benefit. The Wait Period starts the day you are first Unable to Work or the day you first saw a Registered Doctor and were medically certified as Unable to Work, whichever is later. If you have changed your Wait Period we will apply the period that was in place when you suffered the Injury or first consulted your doctor for the symptoms of the Illness that caused you to then become Unable to Work.
10 5. What aren t you covered for? We will not pay a claim which was directly or indirectly contributed to or caused by: a Pre-existing Medical Condition a Mental Illness any intentional self-inflicted injury, whether sane or insane pregnancy, giving birth, miscarrying or having a pregnancy terminated, unless you have been Unable to Work for more than 3 months after the pregnancy ends, in which case benefits will be assessed from this point on participation in, or training for, speed contests or any professional sport engaging in, preparing for or travelling to and from the site where the activity is to take place for any of the following activities Aerial activities other than as a fare paying passenger in an aircraft licensed to carry passengers on a recognised and regular airline, base jumping, black water rafting, boxing, bungy jumping, canyoning, caving or pot holing, diving, mountaineering, outdoor climbing, hunting, motor sports (all types on land or water), trans ocean racing, volunteering as a firefighter, lifeguard, surf life saver or search and rescue worker War or any act of War, invasion, Terrorism or any act of Terrorism, act of foreign enemy, hostilities, strike, riot and/or civil commotion, civil war, rebellion, revolution, insurrection, military or usurped power drug use (unless the drugs were prescribed and taken as prescribed by a Registered Doctor) your participation in a criminal act (which includes driving with excess blood alcohol levels) your travel to a country which is classed as extreme risk (meaning it is classified as a Do Not Travel country) by the New Zealand Ministry of Foreign Affairs and Trade or its successor, during the time you are in that country (a full explanation of these classifications and a list of countries can be found at or any condition which is, or results from, or is a complication of, infection with Human Immunodeficiency Virus (HIV), or any variance including Acquired Immune Deficiency Syndrome (AIDS) and AIDS Related Complex (ARC); unless it results from Medically Acquired or Occupationally Acquired HIV.
11 6. How does the Redundancy Benefit work? If you are made Redundant from your Usual Occupation and are not working in any other occupation/s we will waive your premiums if: you were not self employed and you were made Redundant at least 90 days after the Cover Start Date and you were not aware of the likelihood of being made Redundant prior to the Cover Start Date. Your premiums will be waived until: you return to work your premiums have been waived for 6 months or the Anniversary Date following your 65th birthday. You ll need to let us know when you return to work. Redundant or Redundancy means that your position has been disestablished by your employer and that you have been unemployed as a result of your redundancy, for at least 30 consecutive days. 7. Some terms defined Anniversary Date means the date 12 months after the Premium Start Date and the same date each year after that. Benefit Term means the maximum period of time, selected by you and shown on the Policy Summary, that you can receive Income Benefits for any one claim. If you have changed your Benefit Term we will apply the term that was in place when you suffered the Injury or first consulted your doctor for the symptoms of the Illness that caused you to then become Unable to Work. Cigna (we, us) means Cigna Life Insurance New Zealand Limited, the underwriter of this Policy. Cover Start Date means: the date your cover began or the date your cover was reinstated. If you increase your Benefit Amount the Cover Start Date for the increase is the day cover began for the increased Benefit Amount. Material Information means all relevant information that we needed in order to decide the terms of your Policy. It includes, but is not limited to, information about your health, occupation and income. Policy means this document, the Policy Summary and your application details. Policy Summary means the summary sent to you with this document that shows the details specific to your Policy, or any replacement summary. Premium Amount means the amount of premium shown on the Policy Summary. Premium Start Date means the date that the first premium is due as shown on the Policy Summary.
12 8. If you need to register a complaint If you have a complaint we are happy to discuss it. Please contact us in the first instance, our Customer Service team will do their best to resolve your issue straight away. However, if they can t sort out the issue, our dedicated Customer Resolution Consultant will personally take on your case. Also, Cigna is a member of the Insurance and Savings Ombudsman (ISO) scheme, a free, independent service which can help settle any dispute you are unable to resolve with us. Any dispute or action relating to this Policy will be determined in accordance with New Zealand law. About Cigna Cigna New Zealand is a leading specialist provider of insurance products and services including life insurance, identity theft protection, funeral insurance, income protection insurance, accidental death insurance and trauma insurance. We ve been operating in New Zealand for more than 85 years, and now protect over 275,000 New Zealanders with our insurance policies. Cigna New Zealand is part of Cigna Corporation, a Fortune 500 company and one of the world s largest publicly-owned companies. A copy of Cigna s latest financial statements is available on request. ISO contact details Post P O Box , Wellington 6143 Phone Website Cigna s Financial Strength Cigna has an A- (Excellent) financial strength rating which was given by A.M. Best Company Inc. The rating scale is: Secure Vulnerable A++ A+ Superior B B- Fair A A- Excellent C++ C+ Marginal B++ B+ Good C C- Weak D E F S Poor Under regulatory Supervision In Liquidation Suspended
13 Contact us By phone By for general information about your Policy such as premiums and address changes to register a complaint to request a claim form or ask any questions related to a claim By letter Cigna Life Insurance PO Box Manners Street Wellington 6142 By Fax CIG495 12/03/1103/02
INCOME PROTECTION Policy Wording Together, all the way. Income Protection Policy Wording 1. Introducing your policy 2. What you can expect from us 3. Making a claim 4. How does the Income Benefit work?
Expect to understand your Accidental Death Insurance POLICY WORDING Accidental Death Insurance Contents 1. Introducing your policy 2. What you re covered for 3. What you re not covered for 4. Changes you
CREDITCARE BUSINESS Policy Wording CreditCare Business Policy Wording Part A: About this Policy Part B: Definitions Part C: What this Policy covers 1. Temporary Disablement cover in detail 2. Permanent
BILL COVER INSURANCE Policy Wording Cigna Bill Cover Insurance Policy Wording 1. Introducing your policy 2. Temporary Disability Your Policy - Important This document refers to your Cigna Bill Cover policy
Q Card Term Life Policy Wording Q Card Term Life Policy Wording 1. Your Policy Important 2. About the Policy 3. Policy Terms and Conditions 3.1 Definitions 3.2 Policy Benefits 3.3 Other terms and conditions
Life insurance Policy wording Life insurance policy wording contents 1. Introducing your Policy 2. What you re covered for 3. What you re not covered for 4. Changing your cover 5. What you can expect from
MERCER BILLPROTECT INSURANCE MERCER BILLPROTECT INSURANCE POLICY WORDING 1. INTRODUCING YOUR POLICY 2. TEMPORARY DISABILITY COVER 3. REDUNDANCY COVER 4. BANKRUPTCY COVER 5. HOW TO MAKE A CLAIM 6. IF YOU
ADVANCED PERSONAL LOAN Policy Wording Advanced Personal Loan Insurance Policy Wording Part A: The basic terms of the Policy Part B: Temporary Disablement cover in detail Part C: Permanent Disablement cover
ACCIDENTAL CREDITCARE DEATH PLUS ACCIDENTAL Policy Policy DEATH Wording Wording Policy Wording CreditCare Plus Policy Wording Part A: The basic terms of the Policy Part B: Temporary Disablement cover in
Expect to understand your Prime Life Insurance POLICY WORDING TSB Bank Prime Life Insurance Contents 1. Introducing your policy 2 2. What you re covered for 3 3. What you re not covered for 4 4. Changes
Living Expenses Cover Policy Wording Putting plans in place for the future Welcome to AA Life Helping put plans in place for the unexpected AA Life Services Limited is pleased to provide you with the confidence
Home Loan Insurance. Policy wording What s Inside Here. 1 Introduction to your cover 3 General terms and conditions of the Policy 7 The Death and Terminal Illness benefit 8 The Temporary Disability benefit
Home Loan Insurance. Policy wording What s Inside Here. 1 Introduction to your cover 3 General terms and conditions of the Policy 6 The Death and Terminal Illness benefit 7 The Temporary Disability benefit
ACCIDENTAL FUNERAL DEATH PLAN ACCIDENTAL Policy Policy DEATH Wording Wording Policy Wording Funeral Plan Policy Wording 1. About the Policy 2. Definitions 3. What you are insured for 4. Other terms and
Life & Living Insurance. Policy wording What s Inside Here. 1. Welcome 1 2. General conditions 3 3. About your cover 4 3.1. Life Account 4 3.2. Living Account 6 3.3. Living Benefits 13 3.4. Automatic annual
Life Insurance Go Protect Product Disclosure Statement 24 October 2011 TAL Life Limited ABN 70 050 109 450 AFSL 237 848 Contact details You can contact TAL, 8:00am 7:00pm (EST), using the details below:
CREDITSURE PLUS MASTER POLICY NO. CL100002 Certificate of Nomination Credit Card Facility / Unsecured Credit Facility EXTENT OF COVER DEATH, TOTAL & PERMANENT DISABILITY, TERMINAL ILLNESS AND TOTAL & TEMPORARY
Cash Back Cover We ve got you covered for life. Contents Combined Product Disclosure Statement and Financial Services Guide Page No. Product Disclosure Statement 3 About Cash Back Cover 3 Information about
AMI Life Injury Insurance Policy wording What you need to know about your policy Please read your policy wording and schedule carefully to ensure it meets your needs. If there is any error please contact
Edelweiss Tokio Life - Accidental Death Benefit Rider Toll Free : 1800 2121212 Edelweiss Tokio Life - Accidental Death Benefit Rider Plan Summary: This rider can be attached to individual non-linked plans.
Expect to understand your Term Life with Crisis Cover Insurance POLICY WORDING TSB Bank Term Life with Crisis Cover Contents 1. Introducing your policy 1 2. What you re covered for 2 3. What you re not
Life & Living Insurance. Policy wording What s Inside Here. 1. Welcome 1 2. General conditions 3 3. About your cover 5 3.1. Life Account 5 3.2. Living Account 6 3.3. Living + Benefits 14 3.4. Automatic
Travel Accident Policy Document Statement of demands and needs This product meets the demands and needs of those who are aged over 18 but under 65 and fulfil the eligibility criteria and who wish to benefit
CIGNA SERENITY SERIES SENIOR CANCER PRO Supporting you all the way through recovery GLOBAL LEADER IN HEALTH SERVICES About Cigna Rooted in health expertise dating back over 200 years through its predecessor
Insurance Life Insurance Product Disclosure Statement and Policy Effective 11 October 2013 The information provided in this PDS is general information only and does not take into account your individual
Lloyd s Accident and Illness Insurance (UK) You have applied to us for insurance and this document is the contract of insurance setting out the details of the insurance which you have requested. In deciding
Term Life Product Disclosure Statement and Insurance Policy Administrator Intermediary The information provided in this PDS is general information only and does not take into account your individual objectives,
TotalCare Max Personal Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT AGREED VALUE This appendix only applies if cover under the policy schedule includes the disability income protection
Core Super MySuper Insurance & Other Important Information 3 August 2015 As a Core Super MySuper member you have Income Protection as well as Life and Total and Permanent Disablement [TPD] Insurance available
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
Expect to understand your Tailored Loan Coverage POLICY WORDING The following is a Summary and Guide to the provisions of the Master Policy between Sovereign Assurance Company Limited (Sovereign) and TSB
Five Year Mortgage Repayment Insurance Product Disclosure Statement and Policy Document. Preparation Date: 04/07/2012 Table of contents page Section A About this insurance 3 The insurers 3 Purpose of the
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
TotalCare Max - Personal Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT INDEMNITY This appendix only applies if cover under the policy schedule includes the disability income protection
The Disability and Involuntary Unemployment component of this policy is underwritten by Credicorp Insurance Pty Ltd ABN 50 069 196 756, AFSL No. 238 335. Life Insurance issued by arrangement with CGU Insurance
GIO Funeral Insurance Product Disclosure Statement and Policy Document Prepared on: 19 September 2014 Effective date: 20 October 2014 This product and combined Product Disclosure Statement and Policy Document
Smart Term Insurance Combined Product Disclosure Statement and Financial Services Guide Product Disclosure Statement About Smart Term Insurance HCF Smart Term Insurance is a term life insurance product
START-UP INCOME PROTECTION TABLE OF CONTENTS 1 What are your Start-Up Income Protection policy benefits? 2 2 When will Sovereign pay a benefit? 2 3 What amount will Sovereign pay for a benefit? 2 4 What
OPTIONAL BENEFIT APPENDIX TOTALCAREMAX Personal DISABILITY INCOME PROTECTION BENEFIT INDEMNITY This appendix only applies if cover under the policy schedule includes the Disability Income Protection Benefit
SPORTS Snap cover from Take It Easy Sports Personal Accident Insurance Product Disclosure Sheet (Read this Product Disclosure Sheet before you decide to take out the Take It Easy Sports Personal Accident
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
UNEMPLOYMENT OR INCOME-PROTECTION INSURANCE You have applied for disability or unemployment protection with certain underwriters at Lloyd s. In return for the appropriate premium, this insurance will insure
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
Policy Summary for Over 50s Life Insurance Plans 1. Fixed Plan 2. Increasing Plan 3. Funeral Plan This is an important document, which you should read carefully so that you understand what you are buying
disability income insurance Protect your income in case of a disability Did You Know? 3.8 million Canadians live with disabilities. That is 13.7 percent of our population. 1 There is a 1 in 3 chance that
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
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
Specimen copy of the Master Policy Life Protection for Superannuation Accounts Asgard Capital Management Limited ABN 92 009 279 592 AFSL 240695 is the Trustee and Administrator and is the owner of this
Suncorp Accidental Death Plan Product Disclosure Statement Prepared on: 14 February 2014 Effective date: 12 March 2014 Important Information This is the Product Disclosure Statement (PDS) for Suncorp Accidental
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
ACCIDENTAL DEATH INSURANCE Policy Document This product and Policy Document are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, AAMI. Contents 1.0 Important
Page 1 of 5 CIBC Mortgage Disability Insurance and CIBC Mortgage Disability Insurance Plus Your Certificate Of Insurance CIBC Mortgage Disability Insurance ( Mortgage Disability Insurance ) and CIBC Mortgage
Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit 13002-2016/03 Page 1 of 9 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2
CRITICAL INDIVIDUAL ILLNESS DISABILITY INSURANCE INSURANCE AT A GLANCE Competitor Oasis Individual critical illness insurance AT A GLANCE Table of Contents Competitor.......................................1
Term Life Policy Wording Term Life Policy Wording 1. Your Policy important 2. About the Policy 3. Policy Definitions 4. What you are insured for 5. Other Terms and Conditions 6. Policy Exclusions 7. How
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
This is an important document, which you should read carefully so that you understand what you are buying. Please keep together with your Policy Terms and Conditions, in a safe place, for future reference.
Shepherds Premier Protect Professional Cricket Player Income Protection Plan Terms and conditions The Shepherds Friendly Society Limited Registered Office: Shepherds House, Stockport Road, Cheadle, Cheshire
Introduction The lender offers five levels of payment waiver covering the Events set out below: Platinum: the Events of Death, Disablement, Terminal Illness, Redundancy, Bankruptcy and Insurance Shortfall
START-UP INCOME PROTECTION TABLE OF CONTENTS 1 What are your Start-Up Income Protection Policy benefits? 2 When will Sovereign pay a benefit? 3 What amount will Sovereign pay for a benefit? 4 What does
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.
Accidents are a matter of chance. Securing your family s financial future isn t. Provide additional financial security to your family with Birla Sun Life Insurance Accidental Death and Disability Rider
Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered
Guaranteed Lifelong Protection Plan Conditions 1. WORDS WITH SPECIAL MEANINGS Where the words we, us or our are used in the Plan they refer to Aviva Life & Pensions UK Limited. The words you or your refer
ACCIDENTAL DEATH 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,
SHRIRAM JANA SURAKSHA (UIN: 128N018V01) It is a One year Renewable Group Term Assurance plan that assures payment of sum assured upon death. WHOM THE PRODUCT IS OFFERED TO? Employer Employee groups Associations
Dated 9 September 2004 MASTER INSURANCE POLICY (SAMPLE) BETWEEN PRIVATE EDUCATION ORGANISATION AND NTUC INCOME Page 1 of 11 Student Protection Scheme NTUC INCOME Student Tuition Fees Insurance Policy INTRODUCTION
Canara HSBC Oriental Bank of Commerce Life Insurance esmart Term Plan UIN 136N023V01 TERMS AND CONDITIONS 1. Introduction, Interpretation & Definitions 1.1. Introduction: This Policy document evidences
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?
PRODUCT Disclosure statement It s more than just today. It s life. GOprotect Product Disclosure Statement 28 June 2014 Important Note This Product Disclosure Statement (PDS) gives you important information
Nova Scotia College of Art & Design Plan Document Number: G0080847 Group Policy Number: G0050232 Plan - All Employees Employee Name: Certificate Number: Welcome to Your Group Benefit Program Plan Document
INDIVIDUAL LONG TERM DISABILITY INSURANCE POLICY POLICY FACE PAGE Policy Number Insured Policy Effective Date Policy End Date (Both days inclusive, any time zone) Benefit XX% of Salary, to a maximum of
Key features of the Income Protection Plan Helping you decide This is an important document which gives you a summary of the Income Protection Plan. Please read this with your illustration, if you have
St. Thomas University Group Policy Number: G0050234 Plan B: Support Staff Employee Name: Certificate Number: Welcome to Your Group Benefit Program Group Policy Effective Date: September 1, 2010 This Benefit
MOTOR FINANCE GAP PROTECTION POLICY Product Disclosure Statement and Policy Wording Version No. 2.0 Effective Date: 3 November 2011 Issued by Chubb Insurance Company of Australia ABN 69 003 710 647, ASFL
2014 Personal Accident and Illness Insurance This is your Personal Accident and Illness Insurance policy document. If you have any questions about these documents, please contact your insurance adviser