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1 Protect your lifestyle and your home loan FlexiLife works hard for you when you can t PPU26245 FlexiLife Brochure.indd 1 8/1/08 11:14:55 AM

2 > Contents 01 Protecting your home and your lifestyle 02 FlexiLife Benefits 05 Lifestyle insurance - How much is enough? 06 About the FlexiLife policy 08 How to apply 09 ASB can offer you a full range of other insurance products Introducing Sovereign, the Underwriter Since its inception in 1989, Sovereign Assurance Company Limited ( Sovereign ) has become New Zealand s leading life insurance provider with a proud history of innovation and service. Sovereign became a member of the ASB Group of Companies in 1998, and as the underwriter for FlexiLife they bring experience and expertise to the administration of your policy. Sovereign has an A+ (Superior) claims rating assigned 28 December 2007 by A.M. Best Company Inc of New Jersey, United States of America. PPU26245 FlexiLife Brochure.indd 2

3 Don t wait for misfortune to strike. FlexiLife protects you and your loved ones and makes a big difference in difficult times. > Protecting your home and your lifestyle Cover yourself for the possibility that you may need help to get on with life with a serious debilitating condition. Nobody likes thinking about worst case scenarios however the unexpected could happen to any of us. It may be hard to imagine now, but there is a possibility you could develop a serious illness or may even die. How would you or your loved ones cope? The distress caused by serious injury, illness or death could be compounded by the inability to repay debt or maintain a reasonable lifestyle. With any level of borrowing you need to be reassured that you are financially covered. FlexiLife will protect your home and your lifestyle in the event of an injury, illness, redundancy or at worst death , 8am-9pm, 7 days a week. PPU26245 FlexiLife Brochure.indd 3

4 > FlexiLife Benefits Life Cover It makes sense to cover the basics and protect what matters most. Providing a lump sum payment in the event of your death, a Life Cover benefit can contribute greatly towards the financial survival, security, peace of mind and the future of your family and loved ones. > Terminal Illness You are eligible for the immediate payment of 100% of your Life Cover benefit upon the diagnosis of a terminal illness, where you have a projected life expectancy of 12 months or less. > Bereavement Support An immediate payment of $10,000 will be paid to your estate on notification of death of the insured. This benefit can be used to help offset funeral expenses. Total Permanent Disablement If an illness or accident leaves you permanently disabled there will still be the usual bills to pay and new medical costs to meet. This optional FlexiLife benefit pays out a lump sum to provide financial peace of mind. When a Total Permanent Disablement claim is accepted, the Life Cover benefit you have will decrease by the amount of the claim paid , 8am-9pm, 7 days a week. PPU26245 FlexiLife Brochure.indd 4

5 > Loan Instalment Repayment If you have an illness or injury that leaves you temporarily disabled, FlexiLife s Loan Instalment Repayment benefit helps you and your family cover your loan repayments at this crucial time: Benefit Paid: Monthly Stand-down Period: 4 weeks Benefit Period: Maximum of 2 years for each period of claim > Waiver of Premium With FlexiLife, you automatically get a Waiver of Premium benefit with your Loan Instalment Repayment benefit. During the time when you are unable to work, due to total disability, your regular premiums payable under this policy will be waived for the duration of the claim payment period. Redundancy This is an optional benefit, available when you select a Loan Instalment Repayment benefit. FlexiLife s Redundancy benefit can help to remove concerns you may have meeting your financial responsibilities while you go through this difficult time. You will receive a monthly benefit, giving you financial assistance while you consider your employment options for information on rates, products and services. PPU26245 FlexiLife Brochure.indd 5

6 Benefit Paid: Monthly based on the Loan Instalment Repayment benefit amount. Stand-down Period: 4 weeks (which may be extended up to 6 months to take into account any redundancy payments received). Benefit Period: Maximum of 6 months for each period of claim. Features of FlexiLife > Flexibility at any stage you can apply to alter your level of cover > All benefit payments are tax free > The lump sum payment for Terminal Illness can be used for any purpose you choose > 15 day free look period > Underwritten by Sovereign, New Zealand s leading life insurance provider , 8am-9pm, 7 days a week. PPU26245 FlexiLife Brochure.indd 6

7 > Lifestyle insurance how much is enough? To help determine the level of lifestyle cover you need, you should consider the following: > Covering outstanding personal or business loans including ASB home loan, overdraft, hire purchases, credit card debts > Protecting your assets and loan repayments and maintaining a good everyday lifestyle > Ensuring your spouse continues to have an adequate income > Making provision for your children s education > Covering your funeral and associated expenses ASB staff are always more than happy to advise you and help you carry out this important assessment. 5 for information on rates, products and services. PPU26245 FlexiLife Brochure.indd 7

8 > About the FlexiLife Policy > Who is eligible? You are eligible to apply for cover from age 16 to 55 inclusive. > What happens when your situation changes? It s important to ensure that your insurance keeps pace with any changes in your life, for example, the arrival of a child, moving to a new house or the topping up of an existing home loan. With FlexiLife you can apply to increase or decrease the amount of cover required as your circumstances change , 8am-9pm, 7 days a week. PPU26245 FlexiLife Brochure.indd 8

9 > > Level Cover Level Cover is a unique feature that allows you to build a surplus of cover. As the graph below shows, the cover remains constant. AMOUNT OF COVER/LOAN TIME Loan Cover Surplus As your loan decreases, your cover remains the same, allowing a surplus to be built. > After your loan is repaid It is an accomplishment to repay your home loan, but it does not mean that your cover should cease. FlexiLife will continue to offer ongoing protection even after your home loan is repaid for information on rates, products and services. PPU26245 FlexiLife Brochure.indd 9

10 > How to apply Applying for your FlexiLife policy is simple. You can apply at any ASB branch or over the phone. All policies are issued subject to the acceptance of a completed application. In some cases where further medical information may be required this will be handled by a telephone call from our Underwriters. > Take a free look With our free look period, any premiums paid will be refunded in full if you change your mind within 15 days from your policy being received, provided no claim has been made. > What is not covered? There are some circumstances where no cover is provided under FlexiLife. These are listed in the Policy Document available from any ASB branch , 8am-9pm, 7 days a week. PPU26245 FlexiLife Brochure.indd 10

11 > ASB can offer you a full range of other insurance products, for example; > Income Protection > Living Assurance > Accidental Death > Health Insurance > Business Protection > Home, Contents and Private Motor Vehicle Insurance > Travel Insurance To find out more, to get a no-obligation quote, or to apply, simply call into any ASB branch or call our Contact Centre on Our staff are happy to discuss your requirements, advise you and answer any questions you may have. FlexiLife is underwritten by Sovereign Assurance Company Limited ( Sovereign ), Sovereign House, 74 Taharoto Road, Takapuna, North Shore City Sovereign is a member of the ASB Group of Companies. This brochure is not a policy document. The availability of any insurance cover is subject to acceptance and approval by the underwriter Sovereign. All applications are subject to individual consideration. Special conditions, maximums, exclusions or premium loadings may apply. For full details, please refer to the Policy Document available from ASB Bank Limited. 9 Sovereign Assurance Company Limited, the policy insurer, is part of the Commonwealth Bank of Australia Group and is a related company of ASB Bank Limited and its subsidiaries (the Banking Group ). Neither the Banking Group, the Commonwealth Bank of Australia, nor any other company in the Commonwealth Bank of Australia Group, nor any other person, guarantees Sovereign Assurance Company Limited or its subsidiaries, or any of the products issued by Sovereign Assurance Company Limited or its subsidiaries. PPU26245 FlexiLife Brochure.indd 11

12 ASB Bank Limited PPU26245 FlexiLife Brochure.indd 12

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