For advisers. More than just life insurance

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1 For advisers More than just life insurance

2 Life insurance is about more than just protecting your client s lifestyle and long term financial security. It can also change your client s life for the better today. At Asteron Life, we believe life is all about making the most of every day, instead of worrying about tomorrow. We want to give people the freedom to live life to the full, secure in the knowledge that they re covered, whatever happens. That s why we ve developed Asteron Life Plus our health and wellbeing program that makes it easier for you and your clients to feel your best and get the most out of life. Welcome to Asteron Life Plus.

3 Currently in Australia we are seeing an increase in lifestyle related illnesses such as heart disease, stroke, obesity and type 2 diabetes. The good news is these are largely preventable it doesn t have to be hard and you and your clients don t have to do it alone. At Asteron Life we are the market leaders in helping educate Australians on how to fight preventable illness. The Asteron Life Plus program is part of our ongoing commitment to help you and your clients do just that. Asteron Life Plus is a personalised online program complimentary to you and every client with an Asteron Life insurance policy. The program is designed to help you and your clients make positive changes to your health and lifestyle, with our support at every step. Asteron Life have partnered with roadtohealth to ensure you and your clients get the best out of life. Who is roadtohealth? roadtohealth is an international healthcare company, founded in 2002, delivering a series of membership-based health programs which revolve around a highly interactive and informative online customer experience and a single number the Q Score. The new program includes a number of exciting features designed to provide your clients with a valuable, tailored online resource. Want to register? If you would like to register yourself on the Asteron Life Plus program, speak to your Asteron Life Sales Manager. Visit to start using the program today

4 Benefits for you and Online Health Assessment (and Q Score) After registering, you ll be asked to complete an online Health Assessment to see how healthy you are right now. The questions will include your weight, diet, exercise, stress levels, whether you smoke, how much alcohol you drink and other health related matters. Your personal Q Score is calculated on the information you provide. What is your Q Score? It measures your level of health in a queue of 100 people of the same age, ethnicity and gender. The higher up the queue, the less at risk you are. Once you have your Q Score you can set yourself some realistic goals to gradually improve your health. You might be looking to lose some weight, kick your smoking habit, cut down on alcohol or lead a less stressful life. No matter what your goals are, setting targets gives you something to aim for and will help to improve your Q Score. In-store Terry White Chemists health check The Terry White Chemist health check* is unique to members of the Asteron Life Plus program. The health check will include several health measurements to help gauge your overall health and ensure the information and guidance we provide is right for you. The pharmacy tests include: Blood pressure and resting heart rate Cholesterol profile (including total cholesterol and HDL) Blood glucose (a test for diabetes) Height, weight and body mass index (BMI) You can book your Terry White Chemist health check online. The appointment will last for around 15 minutes. While you re there, you ll receive specialist advice about your results and what impact they may be having on your health. The pharmacist will also directly update your Q Score which you ll be able to see the next time you log in. *The cost of a health check is $38 12 week tailored online health program The customised 12 week program will provide you with week by week practical advice and tips that are aimed to help you achieve your health goals. It will tell you how to become more physically active and provide you with specific information on how to eat well and boost your health and energy levels. Once you ve achieved your first set of goals, you can set different targets and a new 12 week program will begin to support you in reaching these.

5 your clients Online Health Coach Your personal online health coach is there to support and guide you on your road to a better, healthier you. Depending on your goals, they ll pass on specialist advice, practical health information and encouragement to ensure you ve every chance of achieving your goals plus lots, lots more. Health Trackers Once your goals are set you can keep track of your progress online. All you need to do is update any changes in your health (such as your weight, BMI, exercise levels, diet, drinking and smoking habits, blood pressure, cholesterol) and your Q score will change accordingly. Hopefully for the better! A value add for your clients At Asteron Life, we re committed to helping you position your business for the challenges and opportunities that lie ahead. We want to make partnering with us to maintain your clients wellbeing and financial security an easy choice. With the Asteron Life Plus program you can offer something different and tangible to your clients now and not just at claim time. Conversation starter It provides you with a reason to call and make contact with your clients. A different angle to start the conversation about life insurance or review your clients circumstances. Opportunity to strengthen the relationship with your clients The program also allows you the opportunity to help your clients in life and show them you care by providing them with more than just insurance.

6 Support tools To help you share this exciting program with your clients, we ve put together some tools you can customise to show you care about their health and wellbeing. Use the tools to start a dialogue with your existing clients about the benefits of a healthy lifestyle and how Asteron Life Plus can help them achieve this. Or take advantage of the differentiated positioning in your prospecting activities. Let s take a look at these tools. Asteron Life Plus Send an to your clients who have just signed up with Asteron Life to let them know about their complimentary access to the Asteron Life Plus program. Plus advise them that they will soon receive an Asteron Life Plus pack to provide more information and show them how to register. Unlock your life s potential flyer Use this as a prospecting tool in new client meetings to bring health and wellbeing into the conversation. And to show the added benefit of being covered by Asteron Life. The flyer will give your clients an insight to the Asteron Life Plus program and get them thinking about the importance of improving their health. Postcards/advertisements Send a mailout to your existing client base and/or your centre of influence s client base (e.g. accountants) inviting them to review their insurance. Display in your office for clients to read when they come in for a meeting. Use as advertising material to place in your local media. Editorials Use the editorials as an article in your current client newsletter or submit it in editorial form to local media in your area. You can download these tools from the Marketing material page on the Adviser website. Visit to log in.

7 How do clients register? Once your client has an Asteron Life insurance policy, we ll send out an Asteron Life Plus information pack*. The pack contains details on how to register and additional information about the program. To reinforce your relationship with your client, you can send out the Asteron Life Plus to let them know what to expect and remind them that it is coming. *Important information: You will need to let your clients know that if they call to opt out of receiving information about other products and services, they will not receive the Asteron Life Plus information pack. Life insurance that rewards a healthy life At Asteron Life, we recognise that everyone is different. If your clients look after themselves, eat well and exercise they are less likely to make a claim for a preventable disease. And we believe they should be rewarded. If your client has received a loading due to a high BMI, you can encourage them to join the Asteron Life Plus program and set goals to help reduce their BMI. Once they believe they ve reached their goals, they can return for a review of their loading. This may result in reducing their premium. With Asteron Life, your client can feel good and possibly even save money! An attractive incentive and powerful marketing tool for you. The new Asteron Life Plus program complements our award-winning products, services and claims experience to bring you and your clients a truly differentiated life insurance offer. For more information on Asteron Life Plus visit or speak to your Asteron Life Sales Manager.

8 Important note This information is general advice and doesn't take into account a person's objectives, financial situation or needs. Before acting on the advice a person should consider the appropriateness of the advice having regard to the person s objectives, financial situation or needs. A person should consider the Product Disclosure Statement (PDS) available at before making any decision about acquiring or purchasing this financial product. The information in this brochure is provided for informational purposes only, it should not be used as a substitute for professional medical advice or to diagnose or treat a health problem or disease. Consult your healthcare provider with any questions you may have about your condition or physical or mental ability to participate in exercise, nutrition and dietary requirements. Suncorp Life & Superannuation Limited ABN AFSL and Suncorp Portfolio Services Limited ABN AFSL RSE Licence No L AS /07/12 A

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