ADVISER USE ONLY. Dominion insurance solutions

Size: px
Start display at page:

Download "ADVISER USE ONLY. Dominion insurance solutions"

Transcription

1 ADVISER USE ONLY Dominion insurance solutions

2 About Dominion your leading platform solution The Dominion wrap platform is a comprehensive wrap administration service across superannuation, retirement and investment that allows you to efficiently tailor a wealth creation solution for your clients. You can transact, record and report on a diverse range of investments within superannuation, pension service and non-super investment portfolios. Dominion also allows you to conveniently package together investments, such as direct shares, managed funds, property trusts and term deposits, to provide a seamless solution for you and your clients. With Dominion, the hard work is done, allowing you more time for new business and client service. About OnePath OnePath is one of Australia s leading providers of wealth, insurance and advice solutions. OnePath have been helping Australians grow and protect their wealth for over 130 years, previously as Mercantile Mutual and more recently as ING Australia. Now as a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ANZ), OnePath operates as ANZ s Australian specialist wealth management and protection business. ANZ is a leading global and local bank with operations in more than 32 countries including Australia, New Zealand, Asia, the Pacific, the Middle East, Europe and America. ANZ provides products and services to more than 5.7 million retail customers worldwide and employs over 39,000 people. OnePath has a comprehensive range of wealth and insurance products available through financial advisers or direct to customers making it easier to find the solution that best suits client s needs. About Oasis Asset Management Dominion s administrator, Oasis Asset Management (Oasis) is a specialist wholesale platform provider and integral to OnePath. Oasis offers a complete range of customised platform services for securities dealers, financial advisers and investors. Their focus is on delivering quality platform administration, excellent client service and market leading front office software with integrated risk management.

3 Contents The insurance opportunity 2 Tax benefits of choosing insurance through super 3 Dominion's insurance offering 4 Applying for insurance 7 Medical requirements 8 Key product features 10 Premium deductions 12 Adviser remuneration options 12 1

4 The insurance opportunity According to a recent study*, the majority of Australians perceive life insurance as expensive, complicated and difficult to talk about. This results in many people delaying the decision to obtain life insurance, often indefinitely. However, insurance should be considered an essential element of a client s overall financial planning strategy. In fact, statistics reveal that: 88% of people interviewed feel life insurance is the best way to protect themselves and their assets 79% agreed life insurance is the best way to ensure their family is provided for if something happens to them 53% felt it s too risky not to have life insurance. * This is based on research conducted by Galileo Kaleidoscope from August to October 2008 for OnePath. Talking to clients about insurance By recommending insurance, you are helping your clients protect the wealth they ve worked hard to accumulate. During the fact-find stage, it is important to discuss with clients whether they would be able to meet their financial obligations, should something happen to the primary income earner. Some questions you could ask: How many people depend on you financially? Do you have an estate plan in place? What liabilities would you wish to discharge? What level of income would your family require in your absence? If you were unable to work for a substantial period of time, how would your family meet their day-to-day and ongoing living expenses? Dominion offers you access to award-winning insurance solutions allowing you to offer your clients a range of cover options that can be funded through super. These cover options include: Group Insurance Cover OneCare Insurance Cover To find out more about Dominion s leading insurance features please refer to page 4 of this guide. A valuable source of revenue for your business Insurance represents an opportunity to diversify your income stream and position your advisory business for growth. The following table shows the potential value that insurance through Dominion can add to your business. Potential revenue from insurance through Dominion* New Super Wrap accounts written ,000 New Group Insurance policies written Commission on Group Insurance 22.5% 22.5% 22.5% 22.5% New OneCare Insurance policies written Commission on OneCare Insurance 32% 32% 32% 32% Commission (indexed) p.a. $9,669 $22,759 $50,435 $98,780 * Commission figures shown are based on a Level commission, include GST and assume 85% of your Super Wrap clients take up insurance, with an average premium of $440 p.a. 2

5 Tax benefits of choosing insurance through super By choosing to fund insurance through superannuation, your clients are able to pay their insurance premiums tax-effectively from their cash account balance. Not only does this usually reduce the effective cost of your clients cover, it represents a convenient way to manage their premiums. Of course, your clients may continue to make additional taxeffective contributions to top-up their super including: pre-tax salary sacrifice contributions personal contributions spouse contributions Benefits of insurance through super Premiums paid through super will generally be tax deductible to the super fund and can reduce the tax paid on contributions Clients can access Death/Life Cover, Total and Permanent Disability (TPD) Cover and Income Protection Cover Clients dependants can receive tax-free lump sum death benefits Premiums are drawn from your clients cash account balances, reducing the risk of cover lapsing Clients receive greater cash flow flexibility by funding premiums from their super, rather than their direct income There is the ability to potentially fund a higher level of cover due to increased purchasing power through super Case study tax effectiveness of insurance through super Cameron, age 45, draws a salary of $100,000 per annum from his sign writing business, which he runs through a corporate entity. Cameron wants to be able to provide financial security for his wife in the event of his death. With the help of his financial adviser, he estimates he will need $1.2 million in combined Death and TPD Cover. Cameron s adviser suggests he obtain the benefits of this insurance through the Dominion Superannuation Master Trust. As Cameron names his wife as his dependant, she would receive this benefit tax-free in the event of his death*. His premiums are $2,000 per annum. Let s have a look at the savings Cameron can receive if he chooses to fund his insurance premiums inside super using his pre-tax salary: Outside super Inside super Premiums owed $2,000 $2,000 Amount of pre-tax income required $3,252 $2,000 Tax paid $1,252 $0 # Savings $0 $1,252 Cameron s sign writing business is left an additional $1,252 pre-tax because the tax on contributions into his super account is offset by a tax deduction for the premium (effectively meaning no contributions tax is paid). These tax savings could be paid as salary, which would put an extra $770 in Cameron s pocket after tax. Alternatively, he could take the amount as a super contribution, which would add an extra $1,064 in his super fund after contributions tax. Note that the figures used above are for illustrative purposes only. Your situation may differ depending on your marginal tax rates and we recommend that you seek independent tax advice for your personal circumstances. * This example is for illustrative purposes only and the outcomes would be different if non-dependants under tax or superannuation law were to receive part or all of the super death benefit proceeds. # $0 tax only applies if the super fund is able to claim a full tax deduction for premiums paid. 3

6 Dominion s insurance offering Dominion offers a range of insurance cover options through the Dominion Superannuation Master Trust including: Group Insurance Group Insurance, held in the Dominion Superannuation Master Trust, provides unlimited Death, up to $3 million in TPD Cover and up to $25,000 per month in GSC Cover for new and existing clients. OneCare External Master Trust Insurance OneCare External Master Trust Insurance offers your clients a comprehensive insurance solution that includes access to Income Secure Cover, unlimited Life Cover, up to $5 million in TPD Cover and Extra Care Cover. Insurance cover options The Dominion Superannuation Master Trust has a broad range of insurance cover options for you to develop a comprehensive protection package for your clients. Below are the available options: Death / Life Cover Group Insurance OneCare External Master Trust Insurance Minimum and maximum entry age Age next birthday 16 to 75 Age 15 to 74 No minimum Product parameters Minimum and maximum sum insured No maximum Terminal illness limit: $2,500,000 (with any balance payable on death) Minimum $50,000 No maximum Death benefit (includes terminal illness benefit) Optional TPD Cover Terminal illness benefit Built-in benefits and features Indexation If elected by member Stepped premium option Level premium option Future insurability Premium freeze* * This feature allows your clients to freeze their premium (partially or fully) so that it does not increase in future years. 4

7 Total and Permanent Disablement (TPD) Cover Group Insurance Minimum and maximum entry age Age next birthday 16 to 70 OneCare External Master Trust Insurance Age 15 to 60 *,# Age 15 to 74 (non-working) # Minimum and maximum sum insured No minimum Maximum $3 million Minimum $50,000 Maximum $5 million Product parameters TPD Definition: Working TPD Definition: Non-working (working less than 15 hours per week) Working more than 15 hours per week Unlikely to return to work Permanent impairment Specific loss Loss of independent existence Cognitive loss Unlikely to return to homemaking duties Permanent impairment Specific loss Loss of independent existence Cognitive loss Working more than 10 hours per week Unable to return to any/own/homemaker occupation Permanent impairment Loss of limbs and/or sight Loss of independent existence Cognitive loss Loss of limbs and/or sight Loss of independent existence Cognitive loss Non-working definition Own or similar any occupation definition Own occupation definition Homemaker definition Included in non-working definition Non-working definition Stand alone TPD available Stepped premium option Built-in benefits and features Level premium option Premium freeze Indexation If elected by member Future insurability * Any occupation, own occupation and home maker # Stepped premium for level premium, aged 15 to 60 for all TPD definitions 5

8 Income Protection Cover Group Insurance OneCare External Master Trust Insurance Cover type Group Salary Continuance Cover Income Secure Standard or Income Secure Special Risk Minimum and maximum entry age Age next birthday: 16 to age 65 (to age 65 benefit period) to age 70 (2 year benefit period) Age 19 to 60 Product parameters Provides core income protection for those who are unable to work due to illness or injury Minimum and maximum sum insured No minimum up to $25,000 per month $1,250 $60,000 per month* Percentage insured 75% plus up to 10% for continuing SGC 75% plus 5% if priority income option is elected Minimum work hours Working full time or part time for more than 15 hours per week White collar 20 hours per week Blue collar 30 hours per week Waiting period options 30 days, 60 days, 90 days 14 days #, 30 days, 60 days, 90 days, 180 days, 1 year and 2 years Built-in benefits and features Benefit period options 2 years and to age 65 2 years and 6 years to age 50 #, 55 #, 60 #, 65 #, 70 # Stepped premium option Level premium option Premium waiver option Stand alone cover option Basic death benefit No claim benefit Rehabilitation and retraining benefit Conversion to living expense cover ## * Amounts insured over $30,000 are limited to a two year benefit period and amounts applied for in excess of $40,000 are subject to a maximum entry age of 54. # Not applicable to Income Secure Special Risk. ## At the expiry of Income Secure Cover a conversion to a separate non-superannuation policy will occur. Full details of the Group Insurance product offering is available in the Dominion Superannuation Master Trust Product Disclosure Statement Part 2 Group Insurance. Full details of the OneCare External Master Trust Insurance product offering is available in the OneCare External Master Trust PDS. 6

9 Applying for insurance The Dominion Superannuation Master Trust provides you with a range of online services to make it faster and easier to provide insurance cover options to your clients. This functionality enables you to submit applications online and manage them through the underwriting process. How to apply for insurance Group Insurance OneCare External Master Trust Insurance Application requirements Application submission method Application tracking For up to $350,000 in cover Short Form Personal Statement For up to $800,000 in cover transferred from another insurer Insurance Transfer Personal Statement form Mail paper-based application form Online via OnePath s RiskWorks online case management system For all applications OneCare personal statement Desktop OneCare Express Mail paper-based application form Online via OnePath s Adviser Advantage Applying for OneCare External Master Trust Insurance via OneCare Express OneCare Express online applications allow you to apply for OneCare External Master Trust Insurance for your clients through your client s account. With an intuitive underwriting rules engine and quicker processing of applications, you can provide cover faster for your clients. Using OneCare Express you can: give eligible clients instant cover with almost 50% of applications generally accepted upon submission complete applications quickly with intuitive questioning that only asks for details that are relevant to your client keep a record of client transactions by saving PDF copies of submitted applications. Applying for Group Insurance via RiskWorks online case management system RiskWorks is an online case management system for monitoring the progress of your client s Group Insurance application. It provides you with greater visibility of the underwriting process and allows outstanding requirements to be managed in real time. Using RiskWorks you can: view the details of your client s applications including their personal statement, the status of any underwriting requirements and the final underwriting decision correspond with underwriters and case managers by viewing and adding notes to applications receive notifications for key events such as additional underwriting requirements or case decisions report on the status of applications in suspense or finalised applications. 7

10 Medical requirements To provide the right protection for your clients needs, your clients may need to undergo medical examinations based on the requested level of cover. Group Life Insurance Insured benefit Ages 16 to 44 Up to $2,500,000 Death Only: $2,500,001 $5,000,000 Death & TPD: $2,500,001 $3,000,000 Death Only: $5,000,001 and above Requirements Personal Statement Personal Statement, Blood Screen (Fasting MBA20, HIV, Hepatitis B&C Serology), MediQuick (Fast Check Medical) and PMAR by usual doctor Individual consideration by the Insurer Ages 45 to 54 Up to $1,000,000 Personal Statement $1,000,001 to $1,250,000 Personal Statement, Blood Screen (Fasting MBA20, HIV, Hepatitis B&C Serology) $1,250,001 to $3,000,000 Death Only $3,000,001 and above Personal Statement, Blood Screen (Fasting MBA20, HIV, Hepatitis B&C Serology), MediQuick (Fast Check Medical) and PMAR by usual doctor Individual consideration by the Insurer Ages 55 and above Up to $750,000 Personal Statement $750,001 to $1,000,000 Personal Statement, Blood Screen (Fasting MBA20, HIV, Hepatitis B&C Serology) $1,000,001 to $2,000,000 Personal Statement, Blood Screen (Fasting MBA20, HIV, Hepatitis B&C Serology), MediQuick (Fast Check Medical) and PMAR by usual doctor $2,000,001 and above Individual consideration by the Insurer Group Salary Continuance Insured benefit Up to $10,000 $10,001 to $25,000 Requirements Personal Statement Personal Statement, Blood Screen (Fasting MBA20, HIV, Hepatitis B&C Serology), MediQuick (Fast Check Medical) and PMAR by usual doctor 8

11 OneCare Insurance Life and TPD Cover Current age MediQuick* HIV Test, Hep B & C Fasting MBA-20 Full Blood Count Exercise ECG PMAR GP medical exam Specialist medical exam $2,500,001 $2,500,001 $2,500,001 $5,000,001 $5,000,001 $2,500,001 $5,000, $1,500,001 $1,500,001 $1,500,001 $5,000,001 $5,000,001 $2,500,001 $3,000,001 $5,000, $1,000,001 $1,000,001 $1,000,001 $5,000,001 $5,000,001 $2,500,001 $3,000,001 $5,000, $500,001 $750,001 $500,001 $5,000,001 $5,000,001 $2,500,001 $3,000,001 $5,000, $250,001 $750,001 $500,001 $5,000,001 $5,000,001 $2,500,001 $3,000,001 $5,000, $100,001 $750,001 $250,001 $5,000,001 $5,000,001 $2,500,001 $3,000,001 $5,000,001 OneCare Insurance Income Secure Cover Current age MediQuick* HIV Test, Hep B & C Fasting MBA-20 PMAR Full Blood Count (including ESR) Microscopic Urinalysis PSA levels / Mammogram results Specialist medical exam Stress Echocardio -gram $10,001 $10,001 $10,001 $15,001 $40,001 $40,001 $40,001 $40, $10,001 $10,001 $10,001 $15,001 $40,001 $40,001 $40,001 $40, $10,001 $10,001 $10,001 $15,001 $40,001 $40,001 $40,001 $40,001 $40, $10,001 $10,001 $10,001 $15,001 $40,001 $40,001 $40,001 $40,001 $40, $10,001 $10,001 $10,001 $15,001 $40,001 $40,001 $40,001 $40,001 $40,001 * MediQuick is a simplified paramedical examination. The life insured completes the Personal Statement themselves and is examined by a paramedical service provider (PSP) at their work place or home. Under MediQuick, the PSP will collect height, weight and blood pressure measurements and conduct a urinalysis. The PSP will also take blood samples if required at the appropriate limits for HIV, Hepatitis B and C, Fasting MBA-20 and Full Blood Count tests. If the life insured would prefer, they can choose to go to their General Practitioner (GP) for these tests. When arranging a MediQuick, it is necessary for all the applicable Personal Statement questions in the OneCare Application Form to be completed. 9

12 Key product features Group Insurance and OneCare External Master Trust Insurance Cover options have been designed with convenience and innovation in mind. Below is an overview of some of the key product features available to you and your clients. Group Insurance Guaranteed insurability The guaranteed insurability option provides cover that keeps up with your clients ever changing lifestyle. These options allow clients to increase their cover by up to $200,000 without further medical underwriting, following certain defined events. The following life events applicable to guaranteed insurability under Group Insurance are: marriage birth or adoption of a new child child commencing secondary school. Interim cover Clients who apply for Death Only Cover, Death and TPD Cover, Group Salary Continuance Cover, or an increase in cover may be provided with interim accident cover while their cover is being assessed, as described in the Dominion Superannuation Master Trust PDS. This interim cover commences from the date that OnePath Life receives your client s application for insurance and continues until the earlier of: the date OnePath Life notifies you in writing that they accept or reject the application for cover 90 days after the date interim cover commences when cover otherwise ends. Where interim cover applies, a benefit is only payable in the event of an accident as defined in the Dominion Superannuation Master Trust Part 2 Group Insurance PDS. Indexation linking To ensure your clients insurance keeps up with the cost of living, they can elect for their Group Insurance Death Only or Death & TPD sum insured to increase annually by the indexation factor. Terminal illness benefit OneCare within the Dominion Superannuation Master Trust provides a terminal illness benefit in the event the life insured becomes terminally ill: while the policy is in force before cover ends before age 70. Further key product features available under Group Insurance are provided in the Dominion Superannuation Master Trust Part 2 Group Insurance PDS. OneCare External Master Trust Insurance Future insurability The future insurability option provides cover that keeps up with your clients ever changing lifestyle. These options allow clients to increase their cover by up to the lesser of $200,000 or 25% of the amount insured at the cover start date without further medical underwriting, following certain defined events. The following life events applicable to future insurability under OneCare Insurance are: marriage birth or adoption of a new child child commencing secondary school completes an undergraduate degree at a government recognised Australian university spouse death divorce becomes a carer for the first time and is financially responsible for provision of such care, and/or is physically providing such care change in tax dependency status as a result of the life insured ceasing to have any tax dependants as defined by current law having an increase in a salary package of 15% or more the life insured takes out or increases a mortgage on their principal place of residence with an accredited mortgage provider (excludes re-draw and refinancing)*. * Lesser of $200,000, 50% of the Life Cover amount insured at the cover start date, 25% of the TPD/Extra Care Cover amount insured at the cover start date, the amount of the mortgage, or increase to the mortgage. 10

13 Interim cover Clients who apply for Life Cover, TPD Cover, Income Secure Cover or an increase in cover may be provided with interim cover while their cover is being assessed. This interim cover commences from the date that OnePath Life receives your client s fully completed, signed and dated OneCare application form for insurance and continues until the earlier of: the date OnePath Life accepts, declines or defers the application in respect of the life insured the date the policy owner withdraws the application the date OnePath Life cancels this interim cover at its complete discretion by written notice to the policy owner 21 days from the date OnePath Life offers varied terms of acceptance of the application, such as a premium loading or an exclusion, requiring acceptance by the policy owner the date you ceased to be at work for Income Secure Cover you attaining the cover expiry age specified below: Life Cover 75 years TPD Cover 60 years Income Secure Cover 60 years Extra Care Cover 60 years. The full terms and conditions applicable to interim cover are disclosed in the OneCare External Master Trust PDS. Indexation linking To ensure your clients insurance keeps up with the cost of living, indexation is automatic on all covers provided under OneCare External Master Trust Insurance. Terminal illness benefit OneCare within the Dominion Superannuation Master Trust provides a terminal illness benefit in the event the life insured becomes terminally ill: while the policy is in force before cover ends before age 70. Further key product features available under OneCare External Master Trust Insurance are provided in the OneCare External Master Trust PDS. 11

14 Premium deductions Group Insurance Group Insurance premiums will be automatically deducted from your client s cash account on the first business day of the month in advance. OneCare External Master Trust Insurance OneCare External Master Trust Insurance premiums will be automatically deducted from your client s cash account, on the fifth day of the month, in accordance with their elected frequency of payment. The payment frequencies available to your clients are monthly, half yearly and yearly. Adviser remuneration options Level commission is available through Group Insurance and upfront, hybrid, stepped and level commission options are available through OneCare External Master Trust Insurance which gives you the flexibility to control your income stream. Importantly, choosing one type of OneCare External Master Trust Insurance commission option over another will not affect your client s premiums. Group Insurance Death Only Cover Cover available Commission (including GST) Death and TPD Cover GSC Cover Level 22.5% OneCare External Master Trust Insurance Life Cover (including terminal illness) Cover available Life and Total and Permanent Disablement (TPD) Cover Extra Care Cover Income Secure Policy year Upfront (p.a.) Stepped (p.a.) Hybrid (p.a.) Level (p.a.) Year 1 115% 95% 70% 32% Commission* (including GST) Year 2 11% 12.5% 24% 32% Year 3 11% 15% 24% 32% Year 4 11% 17.5% 24% 32% Year % 20% 24% 32% * Standard commission rates apply when the life insured s cover commences at least five years before maximum entry age. 12

15 Contact details Client Services Available Monday to Friday (other than national public holidays) 8.30 am 6.00 pm (Eastern Standard Time) Telephone: Facsimile: (02) Website: OneCare Risk Adviser Services Telephone: Dominion Superannuation Master Trust Locked Bag 1000 WOLLONGONG DC NSW 2500 Trustee Oasis Fund Management Limited 347 Kent Street, Sydney NSW 2000 ABN AFSL Administrator Oasis Asset Management Limited 347 Kent Street, Sydney NSW 2000 ABN Insurer OnePath Life Limited 347 Kent Street Sydney NSW 2000 ABN AFSL Disclaimer: This document is issued by Oasis Fund Management Limited, ABN (OFM), as trustee of the Oasis Superannuation Master Trust, ABN (Fund). OFM is a wholly owned subsidiary of OnePath Australia Limited (ABN ) (OnePath). OnePath is a wholly owned subsidiary of ANZ. OneCare is issued to OFM by OnePath Life (ABN , AFSL ). Other than as set out in the PDS, an investment in this product does not represent a deposit with or other liability of OFM, ANZ or other member companies of the ANZ Group. Neither ANZ nor any member of the ANZ Group stands behind or guarantees the issuer. This material is current as at 22 June 2011 but is subject to change. OFM reserves the right to change matters which are the subject of representations. Updated information will be available free of charge by calling Client Services. This document contains general information only, has been prepared only for financial advisers. This document does not take into account your client s objectives, financial situation or needs and may not be reproduced or distributed without the issuer s prior written permission. OFM recommends that, before making a decision in relation to any features in this product, your client seeks professional advice and reads the relevant applicable Product Disclosure Statement available on or by calling Client Services.

16

Put your clients on the TTR track

Put your clients on the TTR track RETIREMENT November 2012 Put your clients on the TTR track Adviser guide to transition to retirement strategies About OnePath OnePath is one of Australia s leading providers of wealth, insurance and advice

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

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

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

RETIREMENT. Transition to retirement

RETIREMENT. Transition to retirement RETIREMENT Transition to retirement OneAnswer offers you the opportunity to ease into retirement using a transition to retirement pension, which allows you to maintain your current level of income whilst

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

Adviser Guide ONECARE 1 JULY 2014. ANZ Wealth

Adviser Guide ONECARE 1 JULY 2014. ANZ Wealth Adviser Guide ONECARE 1 JULY 2014 ANZ Wealth Contents Section 1 OneCare at a glance 4 All covers 4 Life Cover 5 TPD Cover 7 Trauma Cover 9 Child Cover 10 Extra Care Cover 11 Income Secure Cover 12 Business

More information

Investment. A guide to investment bonds

Investment. A guide to investment bonds Investment A guide to investment bonds Investment bonds represent an opportunity to build wealth in a unique tax environment. * Here is a brief explanation of how investment bonds work. About OnePath OnePath

More information

RETIREMENT. Home Insurance. Get on the TTR track How to transition to retirement tax-effectively

RETIREMENT. Home Insurance. Get on the TTR track How to transition to retirement tax-effectively RETIREMENT Home Insurance Get on the TTR track How to transition to retirement tax-effectively Everyone s idea of the perfect retirement lifestyle is different. But whatever your goals, you want to make

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

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

Insurance in your super

Insurance in your super Insurance in your super Fact sheet Information in this fact sheet is current as at 1 July 2015 Contents Overview 1 What is Life cover? 5 How your Life cover works 6 When is your insured benefit payable?

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

SUPERANNUATION. Corporate Super OnePath Life Limited. Death and Total and Permanent Disablement Cover. Insurance Guide

SUPERANNUATION. Corporate Super OnePath Life Limited. Death and Total and Permanent Disablement Cover. Insurance Guide SUPERANNUATION Death and Total and Permanent Disablement Cover Corporate Super OnePath Life Limited Insurance Guide 27 February 2012 Corporate Super Entity details in this Insurance Guide Name of legal

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

SUPERANNUATION. Integra Super OnePath Life Limited. Insurance Guide

SUPERANNUATION. Integra Super OnePath Life Limited. Insurance Guide SUPERANNUATION Integra Super OnePath Life Limited Insurance Guide 27 February 2012 Integra Super Entity details in this Insurance Guide Name of legal entity Registered numbers Abbreviated terms used throughout

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

MLC Personal Protection Portfolio MLC Life Cover Super

MLC Personal Protection Portfolio MLC Life Cover Super MLC Personal Protection Portfolio MLC Life Cover Super Product disclosure statement This Product Disclosure Statement was prepared by: MLC Limited ABN 90 000 000 402 AFSL 230694 Issuer of MLC Personal

More information

RETIREMENT. Home Insurance. Get on the TTR track How to transition to retirement tax-effectively

RETIREMENT. Home Insurance. Get on the TTR track How to transition to retirement tax-effectively RETIREMENT Home Insurance Get on the TTR track How to transition to retirement tax-effectively Everyone s idea of the perfect retirement lifestyle is different. But whatever your goals, you want to make

More information

Insurance through your super

Insurance through your super Insurance through your super Review my cover Save on insurance through Super $ TPD insurance income protection Death We insure many aspects of our lives: house, car, health, life, even pets. Of all of

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

Understanding Superannuation

Understanding Superannuation 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

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

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

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

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

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 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

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

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

CHANT WEST PRODUCT SUMMARIES PERSONALSUPER RESEARCH

CHANT WEST PRODUCT SUMMARIES PERSONALSUPER RESEARCH Insurer AMP CommInsure CommInsure Types of cover available Death only Available to all members up to and including age 74 (renewable to age 98) Death & TPD Available to all members up to and including

More information

Example INSURANCE. CRITERIA AMP Flex Lifetime AustSafe HESTA. Insurer In-house CommInsure CommInsure. Types of cover available

Example INSURANCE. CRITERIA AMP Flex Lifetime AustSafe HESTA. Insurer In-house CommInsure CommInsure. Types of cover available Insurer In-house CommInsure CommInsure Types of cover available Death only Available to all members up to and including age 74 (renewable to age 98) Death & TPD Available to all members up to and including

More information

The benefits of insuring through super. Macquarie Life

The benefits of insuring through super. Macquarie Life 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

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

Zurich Life Risk Zurich Income Replacement

Zurich Life Risk Zurich Income Replacement Product Summary Issued 1 March 2015 Zurich Life Risk Zurich Income Replacement Adviser use only Summary These tables outline the in-built benefits, optional extras and product parameters for Zurich Income

More information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information 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

More information

ANZ Chief Investment Office. Leo Mauceri Insurance Research Manager. William Burkitt Global Head of Investment Product & Research

ANZ Chief Investment Office. Leo Mauceri Insurance Research Manager. William Burkitt Global Head of Investment Product & Research Owner: ANZ Chief Investment Office Version: 1 Date: January 2014 Next Review Date: January 2015 Author: Released By: Leo Mauceri Insurance Research Manager William Burkitt Global Head of Investment Product

More information

SUPERANNUATION. Home Insurance. Super fundamentals. Foundations for your future

SUPERANNUATION. Home Insurance. Super fundamentals. Foundations for your future SUPERANNUATION Home Insurance Super fundamentals Foundations for your future As one of your most important financial investments, it s worth understanding how superannuation works. For many Australians,

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

Home Insurance OneAnswer

Home Insurance OneAnswer Home Insurance OneAnswer Reach your financial goals sooner About OnePath OnePath is one of Australia s leading providers of wealth, insurance and advice solutions. We have been helping Australians grow

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014 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.

More information

Macquarie Life Adviser Guide. Macquarie Adviser Services

Macquarie Life Adviser Guide. Macquarie Adviser Services Macquarie Life Adviser Guide Macquarie Adviser Services Dated 11 June 2010 Contents 01 Our promise 02 How to generate an insurance quote 03 How much cover can I give my client? 08 Transferring existing

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

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3.

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3. 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

More information

Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy

Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy 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

More information

Income Care with either monthly or lump sum benefits

Income Care with either monthly or lump sum benefits Income Care with either monthly or lump sum benefits Important information This advice has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015 Contents BT Super for Life Product Disclosure Statement (PDS) Dated: 1 July 2015 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with 3 BT Super for Life 4. Risks of super 5

More information

Financial Services and Credit Guide

Financial Services and Credit Guide Issued on 27 April 2012 Helping you make the most of life Financial Services and Credit Guide RI Advice Group Pty Ltd ABN 23 001 774 125 Australian Financial Services Licence 238429 Australian Credit Licence

More information

Personal Choice Private ewrap Super/Pension

Personal Choice Private ewrap Super/Pension Personal Choice Private ewrap Super/Pension Product Disclosure Statement PART 1 General Information I 1 July 2014 PERSONAL CHOICE PRIVATE Trustee of Personal Choice Private ewrap Super/Pension and issuer

More information

LIFE, DISABILITY AND INCOME PROTECTION

LIFE, DISABILITY AND INCOME PROTECTION This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 14 August 2015 LIFE, DISABILITY AND INCOME PROTECTION * FACT SHEET 6 14 AUGUST 2015 It s vital that you re prepared

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

BT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS)

BT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS) 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

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

The Executive Superannuation Fund

The Executive Superannuation Fund The Executive Superannuation Fund Agenda Overview of The Executive Superannuation Fund ( the Fund ) Contributions ti and insurance benefits available to KPMG staff Investment option asset allocation Investment

More information

Income Care with either monthly or lump sum benefits

Income Care with either monthly or lump sum benefits Income Care with either monthly or lump sum benefits Important information This advice has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited

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

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

INSURANCE. Income protection and business expense claims. Your step-by-step guide

INSURANCE. Income protection and business expense claims. Your step-by-step guide INSURANCE Income protection and business expense claims Your step-by-step guide Income protection and business expense claims process Step 1 Contact your adviser or call our Claims Helpline To make a claim

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

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

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

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 Select Portfolio SuperWrap

BT Select Portfolio SuperWrap BT Select Portfolio SuperWrap Product Disclosure Statement BT Select Portfolio SuperWrap Personal Super Plan BT Select Portfolio SuperWrap Pension Plan Dated 11 March 2013 The distributor of BT Select

More information

AMP Eligible Rollover Fund

AMP Eligible Rollover Fund AMP Eligible Rollover Fund Fact sheet Issued 30 June 2014 Issued by AMP Superannuation Limited ABN 31 008 414 104, AFSL No. 233060, the Trustee of AMP Eligible Rollover Fund ABN 32 931 224 407. Registered

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

Aviation Cover. Income Protection

Aviation Cover. Income Protection 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,

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

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

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

Personal super insurance changes Adviser Q&A

Personal super insurance changes Adviser Q&A Personal super insurance changes Adviser Q&A What is happening? During 2010/2011, IOOF negotiated new insurance terms and conditions with the Insurer of the IOOF Portfolio Service Superannuation Fund,

More information

Funeral Plan. Product Disclosure Statement (PDS) Issue Date: 14 May 2012. Funeral Plan is issued by MetLife Insurance Limited

Funeral Plan. Product Disclosure Statement (PDS) Issue Date: 14 May 2012. Funeral Plan is issued by MetLife Insurance Limited Funeral Plan Product Disclosure Statement (PDS) Issue Date: 14 May 2012 Funeral Plan is issued by MetLife Insurance Limited What is a Product Disclosure Statement? A Product Disclosure Statement (PDS)

More information

LifeTrack Personal Superannuation

LifeTrack Personal Superannuation This product disclosure statement has been produced for the successor fund transfer of existing members of the LifeTrack Superannuation Fund to the IOOF Portfolio Service Superannuation Fund. LifeTrack

More information

Westpac Protection Plans and BT Protection Plans.

Westpac Protection Plans and BT Protection Plans. Westpac Protection Plans and BT Protection Plans. March 2012 Enhancements Guide. For Planner use only 1 We re committed to delivering you a superior insurance solution. Delivering an enhanced insurance

More information

Supplementary Product Disclosure Statement

Supplementary Product Disclosure Statement Supplementary Product Disclosure Statement 12 March 2014 This Supplementary Product Disclosure Statement (SPDS) is dated 12 March 2014, and supplements each Product Disclosure Statement and Policy (PDS)

More information

Product Disclosure Statement Insurance Guide ING Life Limited

Product Disclosure Statement Insurance Guide ING Life Limited Product Disclosure Statement Insurance Guide ING Life Limited Effective 1 October 2007 The Employer PDS is comprised of: Employer Guide Member Guide Investment Choice Guide Insurance Guide (this guide)

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

Understanding insurance Version 5.0

Understanding insurance Version 5.0 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

More information

SMSF insurance options and strategies

SMSF insurance options and strategies SMSF insurance options and strategies Agenda Will be looking at: Requirement to consider insurance Why hold insurance through an SMSF? Life Insurance Permanent Incapacity Temporary Incapacity. Requirement

More information

Zurich Super Estate Management

Zurich Super Estate Management Zurich Super Estate Management Binding Nominations The Trustee of the Zurich Master Superannuation Fund is Zurich Australian Superannuation Pty Limited ABN 78 000 880 553, AFSL 253 500, RSE Licence No.

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

SMSF. Comprehensive life insurance cover for members of self managed super funds. Product Disclosure Statement

SMSF. Comprehensive life insurance cover for members of self managed super funds. Product Disclosure Statement SMSF Comprehensive life insurance cover for members of self managed super funds Product Disclosure Statement Issued: 18 April 2013 Contents About Insure Me Now 3 About Hannover 3 Explaining this Product

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

Income Protection and Total and Permanent Disability

Income Protection and Total and Permanent Disability 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

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

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

Underwriting guide. AMP s Group Insurance. When underwriting terms apply. Initial medical underwriting requirements. Medical underwriting requirements

Underwriting guide. AMP s Group Insurance. When underwriting terms apply. Initial medical underwriting requirements. Medical underwriting requirements AMP s Group Insurance Underwriting guide This guide provides information on AMP s underwriting as well as the procedures adopted where automatic acceptance does not apply. When underwriting terms apply

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

SUPERANNUATION Retirement fundamentals

SUPERANNUATION Retirement fundamentals SUPERANNUATION Retirement fundamentals Your guide to retirement You ve been working hard to accumulate your superannuation, and now you re nearing the next stage of your life retirement. So what do you

More information

Wealthpac Superannuation Service Insurance Options

Wealthpac Superannuation Service Insurance Options Date Issued: 12 October 2009 SUPPLEMENTARY PRODUCT DISCLOSURE STATEMENT Wealthpac Superannuation Service Insurance Options Important Notice For Members and Employers This notice is supplementary to the

More information

Core Super MySuper. Insurance & Other Important Information 3 August 2015

Core Super MySuper. Insurance & Other Important Information 3 August 2015 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

More information

INSURANCE GUIDE For members of Civil Contractors Federation Super Fund

INSURANCE GUIDE For members of Civil Contractors Federation Super Fund INSURANCE GUIDE For members of Civil Contractors Federation Super Fund The information in this document forms part of the Product Disclosure Statement of the Civil Contractors Federation Super Fund dated

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

Understanding insurance

Understanding insurance 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

More information

MLC Insurance. How to make your insurance more affordable

MLC Insurance. How to make your insurance more affordable 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

More information

INSURANCE GUIDE INSIDE. Rebecca Farrell QIEC Super member

INSURANCE GUIDE INSIDE. Rebecca Farrell QIEC Super member INSURANCE GUIDE INSIDE Cover your family How much insurance do you need? Discount insurance products Insurance basics Rebecca Farrell QIEC Super member Prepared 1 June 2012 by the Trustee QIEC Super Pty

More information

Death and Total and Permanent Disablement (TPD) Cover Fact Sheet

Death and Total and Permanent Disablement (TPD) Cover Fact Sheet Death and Total and Permanent Disablement (TPD) Cover Fact Sheet Who should read this fact sheet? The information in this fact sheet applies to most Defined Contribution (accumulation) members of Energy

More information

Illustrator and OneCare Express Quick reference guide INSURANCE

Illustrator and OneCare Express Quick reference guide INSURANCE Illustrator and OneCare Express Quick reference guide INSURANCE Contents Welcome to OnePath s Illustrator 4 Creating an illustration 5 Adding lives and cover to an illustration 6 Navigating between policies

More information

BT Lifetime Personal Super

BT Lifetime Personal Super BT Lifetime Personal Super Additional Information Booklet Part 3 Insurance Dated 24 December 2015 Things you should know The information in this document forms part of the Product Disclosure Statement

More information

CLIENT FACT SHEET. If you are under age 65 you may make personal contributions to superannuation on your own behalf.

CLIENT FACT SHEET. If you are under age 65 you may make personal contributions to superannuation on your own behalf. CLIENT FACT SHEET July 2010 Understanding superannuation and superannuation contributions Superannuation is an investment vehicle designed to assist Australians in saving for their retirement. The Government

More information