Professionals Life and Living Benefit Plan

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1 Professionals Life and Living Benefit Plan Is your financial future protected?

2 Do you have enough protection?

3 5.3 million Australians don t. Did you know that a recent study found that 5.3 million families with dependent children are underinsured or, worse still, have no insurance at all 1? It s an alarming statistic - especially when you think of the financial impact it can have on a family. But there is something simple you can do. Now, with The Professionals Life and Living Benefit Plan, you can top up your insurance and include a recovery benefit in your portfolio and you can do it easily and conveniently. There s no time-consuming medical, no intrusive health questions and acceptance is guaranteed for members who are permanent residents of Australia aged between 21 and 59. The plan can provide you with up to $1 million in life insurance protection. Plus, it also gives you the option of a living benefit that, in the event of a defined critical illness, pays you a lump sum of 50% of the life insurance cover you select this includes cancer, stroke, heart attack or paralysis. Designed to minimise the financial disruption that serious illness causes, the living benefit can be spent on whatever you need to help you get back on your feet, or make the most of your life. When you consider that 1 in 3 men and 1 in 4 women will be diagnosed with cancer before the age of 75, and that 56.8% of those men and 63.4% of those women will survive for at least 5 years after their diagnosis 2, it s clear just how important the optional living benefit can be. Is this insurance right for you? Please note that the benefits under the policy will not be paid if your death, terminal illness or critical illness results directly or indirectly from an injury, illness, condition or related symptom of which, in the 5 years prior to the policy commencement date, you were aware of or you (or a reasonable person in your position) should have been aware of or for which you had a medical consultation. How much does it cost? Monthly premiums are based on your age and smoker status. The following table provides a few examples. You ll see that a non-smoker aged between 35 and 39 can pay as little as $46.67 a month for $200,000 life insurance benefit plus $100,000 Living benefit. Term Life only Principal Life Insured Non Smoker - Monthly Premium Term Life $200,000 $26.40 $33.54 $48.68 $500,000 $58.51 $76.36 $ $1,000,000 $ $ n/a Smoker - Monthly Premium Term Life $200,000 $49.14 $61.04 $ $500,000 $ $ $ $1,000,000 $ $ n/a Term Life with Living Benefit Principal Life Insured Non Smoker - Monthly Premium Term Life Living Benefit $200,000 $100,000 $46.67 $70.16 $ $500,000 $250,000 $ $ $ $1,000,000 $500,000 $ $ n/a Smoker - Monthly Premium Term Life Living Benefit $200,000 $100,000 $91.30 $ $ $500,000 $250,000 $ $ $ $1,000,000 $500,000 $ $ n/a Please refer to the enclosed Short-Form Product Disclosure Statement for the full range of cover levels available. For immediate cover call

4 Features and Benefits. Features and Benefits Optional Living benefit Discount for joint cover Life insurance protection up to $1 million Guaranteed acceptance with no health or lifestyle questions and no medicals 24/7 worldwide cover Guaranteed renewable up to age 75, no questions asked Fixed level of cover Bonus $10,000 Immediate Assistance Benefit to help with funeral costs

5 Activate your cover in 4 easy steps 1. Select Term Life cover only OR Term Life plus Living benefit 2. Select either single cover for yourself or joint cover for yourself and your partner/spouse. 3. Choose the level of cover that suits your needs refer to the full table of premiums in the Short-Form Product Disclosure Statement to determine your options. 4. Call and we ll get you covered right away * or complete and return your guaranteed acceptance form in the enclosed reply paid envelope. Source 1. Investment and Financial Services Association Cost of Underinsurance Project Analysis of Life Insurance Needs Rice Walker Actuaries May Australian Institute of Health and Welfare (AIHW) Cancer Survival Rates 2001 * To be eligible you must be between 21 and 59 and a permanent resident of Australia. Any advice in this brochure is of a general nature and is not based on any consideration of your objectives, financial situation and needs. Before deciding to take up this product please read the Combined Product Disclosure Statement and Policy Document to make sure it is right for you and call ING if you have any questions. ING Life Limited ABN AFSL Kent Street, Sydney NSW 2000 Phone NKA01 Bro-02/07

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