1 That Easy SIMPLE INSURANCE FROM EDGARS FAMILY FUNERAL PLAN Underwritten by Hollard Life Assurance Company Limited, a registered Insurer and an authorised Financial Services Provider. Edcon is a juristic representative of Hollard. Terms and Conditions apply.
2 POLICY NUMBER: 01/PFS/EIS/EFU/1/2002 Underwritten by HOLLARD LIFE ASSURANCE COMPANY LIMITED (Reg. No. 1993/001405/06) ( Hollard ) (specially arranged for Edcon (Pty) Limited) (Reg. No. 2007/003525/07) ( Edcon ) The following is your Edgars Family Funeral Plan Policy Wording. Hollard has set out the details of the policy for your information. This policy is underwritten by Hollard Life Assurance Company Limited (Hollard). Edcon is a juristic representative and markets this policy as a joint venture with Hollard and does so in terms of Hollard s role as a Financial Services Provider (FSP). Hollard is authorised to sell insurance products. Hollard agrees to accept any eligible person who has successfully applied for this cover and will, in the event of a valid claim, pay the Funeral Benefit to the Main Insured Person, the Nominated Beneficiary or to the Main Insured Person s estate subject to the terms, conditions and exceptions of this policy. This policy wording as amended from time to time, various administrative forms, application forms, policy schedule, benefit schedule, declarations, authorisations, any voice-logged conversations pertaining to this policy and agreements supplied by Hollard shall form the basis of this insurance contract. In the event of any conflict between the provisions of this policy wording and that of any other documents as mentioned above, the provisions of this policy wording shall prevail. COMMUNICATION INFORMATION To communicate with Hollard in connection with claims and queries regarding this policy, kindly contact: Edcon Insurance Services, PO Box 87428, Houghton, 2041 Tel Number: , Fax Number: To communicate with Edcon in connection with this policy kindly contact: Customer Care Services, Edcon Financial Services, PO Box 100, Crown Mines, 2025 Share Call Number: BENEFITS The benefits applicable to each Insured Person are subject to waiting periods as stated in this policy wording. FUNERAL BENEFIT The Funeral Benefit provides a payment, the sum insured specified in the Policy Schedule, in the event of an Insured Person s death during the Period of Insurance. The Policy Schedule will specify for which Insured Persons the Funeral Benefit is applicable, and the sum insured and the monthly premium applicable to each of these Insured Persons. This benefit does not acquire any surrender value or paid-up value. An Insured Person may not cede the funeral benefit and any cession shall be null and void. The Benefit Inception Date for each Insured Person shall be the date that the Insured Person becomes covered for this benefit under this policy. MEMORIAL BENEFIT The Memorial Benefit provides a payment, the sum insured specified in the Policy Schedule, 1 (one) year after the death of the Insured Person where such death occurred during the Period of Insurance. If the Memorial Benefit is applicable, the Policy Schedule will specify for which Insured Persons the Memorial Benefit is applicable, and the sum insured and the monthly premium applicable to each of these Insured Persons. This benefit does not acquire any surrender value or paid-up value. EARLY CLAIM BENEFIT The Early Claim Benefit provides a payment in the event of the Main Insured Person s death from natural causes during the first 6 (six) months after the Policy Inception Date in respect of the Main Insured Person. The benefit amount is equal to the total of the premiums paid in respect of the policy from the Policy Inception Date. LIMITATION OF BENEFITS In the event that an Insured Person is covered on more than 2 (two) Hollard Funeral policies, the maximum total benefit amount per Insured Person from all Funeral, Memorial and Monthly Provider Benefits (as applicable) is as follows: - R (seventy thousand Rand) where the Insured Person is 18 years or older; - R (thirty thousand Rand) where the Insured Person is over the age of 6 (six) years and under the age of 18 (eighteen) years; - R (ten thousand Rand) where the Insured Person is under the age of 6 (six) years. For purposes of the maximum total benefit amounts above, where benefits are payable monthly, the accumulated total of all amounts that are payable will be used in calculating the maximum total benefit amount. Hollard may increase the maximum total benefit amounts above from time to time. The maximum total benefit amounts above apply at the Benefit Inception Date and take into consideration any existing cover (including any past benefit increases) with Hollard.
3 In the event that claims are submitted for more than the maximum amount allowed, the amount payable by Hollard will be limited to the benefits provided for in terms of this policy and up to the maximum amount allowed. All benefit payments are subject to the verification of the validity of any claim. NOMINATION OF BENEFICIARY or BENEFICIARIES The Main Insured Person may nominate a person as the Beneficiary in terms of this policy. The Beneficiary will receive the benefit on the Main Insured Person s death. In the event of the death of any other Insured Person nominated in the policy schedule, the benefit will be paid directly to the Main Insured Person. Once a Beneficiary nomination has been made, it remains in force until the Main Insured Person informs Hollard in writing of any change. If no Beneficiary has been nominated, in the event of the Main Insured Person s death the benefit will be paid to the Main Insured Person s estate. SPECIFIC RESTRICTIONS, EXCLUSIONS, PROVISIONS AND CONDITIONS RESTRICTIONS ON THE NUMBER OF INSURED PERSONS For the Funeral Benefit: - The Main Insured Person is covered; - And a maximum of 1 (one) Partner of the Main Insured Person and a maximum of 5 (five) Children of the Main Insured Person or the Main Insured Person s Partner may be covered; - You need to inform Hollard of the birth of a Child whom you want covered within 3 months from the date of birth of the child; - Extended Family Members are not covered on this policy. For the Memorial Benefit: Only the Main Insured Person will be covered. If the Main Insured Person is joined in marriage with 2 (two) or more persons then only the Main Insured Person s Partner who is reflected on the Policy Schedule as a Partner will be covered. ELIGIBILITY For the Funeral Benefit: - The Main Insured Person and/or Main Insured Person s Partner are eligible to be covered provided they are over the age of 18 (eighteen) and below the age of 65 (sixty-five) on the Benefit Inception Date. - Children who are below the age of 21 (twenty-one) on the Benefit Inception Date are eligible to be covered. For the Memorial Benefit: - The Main Insured Person is eligible to be covered provided he/she is over the age of 18 (eighteen) and below the age of 65 (sixty-five) on the Benefit Inception Date. TERMINATION OF BENEFITS The Funeral Benefit for particular Insured Person will cease on the earlier of: - where the Insured Person was over the age of 18 (eighteen) and not a Child when the Insured s cover commenced: The death of the particular Insured Person, or The Main Insured Person cancelling this policy and the cover provided; or The death of the Main Insured Person; or If Hollard does not receive the policy premium within the grace period the policy will lapse. No claims will be accepted or paid during this period of time. Once the arrear payments are paid up to date the cover will be reinstated automatically and the Waiting Periods will automatically become applicable from the Reinstatement Date. - where the Insured Person was a Child when the Insured s cover commenced: The Insured Person s 21st (twenty-first) birthday; or The Insured Person s 25th (twenty-fifth) birthday if the Insured Person is an unmarried full-time student registered at a registered educational institution or is mentally disabled or is permanently and totally physically disabled (provided that satisfactory proof is submitted to Hollard in respect of the above); or The Insured Person getting married; or The death of the Insured Person; or The Main Insured Person cancelling this policy and the cover provided; or The death of the Main Insured Person; or If Hollard does not receive the policy premium on the due date or within the grace period the policy will lapse. No claims will be accepted or paid during this period of time. Once the arrear payments are paid up to date the cover will be reinstated automatically and the Waiting Periods will automatically become applicable from the Reinstatement Date. The Memorial Benefit (if applicable) for particular Insured Person will cease on the earlier of: - The death of the Main Insured Person; or - The Main Insured Person cancelling this policy and the cover provided; or - If Hollard does not receive the policy premium within the grace period the policy will lapse. No claims will be accepted or paid during this period of time. Once the arrear payments are paid up to date the cover will be reinstated automatically and the Waiting Periods will automatically become applicable from the Reinstatement Date. The termination of your Edgars retail account. COMPULSORY ANNUAL INCREASES The premiums increase every year by the Annual Premium Increase percentage specified in your Policy Schedule. The benefit amounts increase every year by the Annual Benefit Increase percentage specified in your Policy Schedule. The premium and benefit increases will cease on the earlier of the Main Insured Person s 75th birthday or the Partner s 75th birthday. You may cancel the compulsory annual increases only once during the lifetime of your policy.
4 WAITING PERIODS Benefits are not payable if the cause of the claim occurs during any applicable Waiting Period. The waiting period in respect of an Insured Person commences on the Benefit Inception date or the date on which the relevant Insured Person becomes entitled to cover in terms of this policy. Should cover in respect of an Insured Person be terminated and subsequently restarted the Waiting Periods will commence from the date that cover is restarted unless waived in writing by Hollard. Should cover in respect of an Insured Person be terminated and subsequently reinstated then from the date that cover is reinstated and unless waived in writing by Hollard a Waiting Period of 6 (six) consecutive months and 6 (six) consecutive premium payments will apply to any claim where the cause is either due to natural causes, suicide or self-inflicted injury. No waiting period applies in the event of the Insured Person dying as a result of an accident. In the event of the Insured Person dying before the Benefit Inception Date or dying during the waiting period as a result of an accident that occurred before the Benefit Inception Date, there will be no benefit payable. Should additional benefits and/or cover be applied for in respect of an Insured Person and be added to the policy, the Waiting Periods will apply in respect of the additional benefits from the Benefit Inception Date of the additional benefits or the increased cover. WAITING PERIOD DEATH FROM NATURAL CAUSES A Waiting Period of either 6 (six) or 12 (twelve) consecutive months and consecutive premium payments (dependant on your cover option chosen and as is reflected on your Policy Schedule), will apply on the death of an Insured Person due to natural causes. WAITING PERIOD DEATH FROM SUICIDE A Waiting Period of 12 (twelve) consecutive months and 12 (twelve) consecutive premium payments will apply on the death of an Insured Person by suicide, where death is caused directly or indirectly by or arising from or resulting from or contributed to by or traceable to any attempted suicide. GENERAL RESTRICTIONS, EXCLUSIONS, PROVISIONS AND CONDITIONS TRANSFERABILITY / CESSIONABILITY No rights or benefits payable under this policy may be ceded or transferred to any third party. You may exercise all rights provided for by this policy without the consent of any of the beneficiaries. CURRENCY AND LAW Premiums and benefits payable under this policy shall be paid in the Republic of South Africa and in South African Rands only. This policy shall be governed by and interpreted in accordance with South African Law in the courts of the Republic of South Africa. TERRITORY COVERED Any Insured Person ordinarily resident in the Republic of South Africa will be covered in terms of this policy. Cover is extended to include a visit lasting for a period of less than three months outside the territory covered. An Insured Person who is not a South African citizen, a legal permanent resident or who ordinarily resides outside of the Republic of South Africa will not be covered in terms of this policy. POLICY FEE A monthly policy fee, as reflected in the Policy Schedule, is payable in addition to the benefit premiums, as reflected in the Policy Schedule. Hollard may increase the policy fee on an annual basis in-line with any increase in administration costs by giving you 30 (thirty) days written prior notice thereof. CRIMINAL ACTIVITIES Hollard shall have no liability whatsoever under this policy where any claim arises from, or is the result of any intentional contravention of any criminal law, whether legislative or at common-law (including fraud), by the Insured Person, or by anyone acting on behalf of the Insured Person or with the Insured Person s connivance and/or consent, or by any person claiming any benefit under this policy. In the event of such a claim all benefits afforded in terms of this policy and all premiums paid in respect of this policy shall be forfeited, and this policy may be voided or cancelled as from the date of the criminal offence, at Hollard s discretion MISREPRESENTATION, MISDESCRIPTION OR NON-DISCLOSURE Misrepresentation, misdescription or non-disclosure of any material fact or circumstances in connection with this policy, a claim or the application for this policy may result in this policy being cancelled, a claim rejected or the policy voided from inception and all your premiums forfeited. In the event that a benefit has been paid as a result of any misrepresentation, non-disclosure, misdescription or fraudulent action by an Insured Person or by any person claiming any benefit under this policy, such person will be required to repay or return the benefit paid. Hollard shall be entitled to take legal action to recover the benefit and any costs involved. CLERICAL ERROR A clerical error by Hollard shall not invalidate insurance otherwise validly in force, nor continue insurance otherwise not validly in force. INSURABLE INTEREST In order for an insurance policy to be valid, you are required to have an insurable interest in the Insured Person. This means that there needs to be a recognised relationship between you and the Insured Person and as a result of this relationship, you reasonably expect that you will incur a financial expense in the event of the death of the Insured Person. Where no insurable interest exists on the Inception Date or Restart Date, the policy shall be void from the Inception Date of cover.
5 PREMIUM PAYMENT DAYS OF GRACE A period of 30 (thirty) days from the Premium Due Date is allowed for the payment of each premium for the first 12 (twelve) premiums. For every 12 (twelve) premiums that is paid in a row the period within which to pay the premium is extended by another 30 (thirty) days from the Premium Due Date, subject to a maximum grace period of 6 (six) months. Once a grace period has been used it cannot be used again until all the premiums that are in arrears have been paid. During the grace period all benefits will remain in force. If any event occurs during the grace period that results in a valid claim, the unpaid premiums will be deducted from any amount paid out. If any premium is not paid and received by Hollard during the grace period, the policy will automatically be cancelled and no Funeral Benefit will be paid. The premium grace period does not apply to the payment of the first premium on inception of the policy. PREMIUM PAYMENT Premiums are due monthly on the date of billing of your Edgars account. Edgars will notify the Main Insured Person of any non-payment of premium. 30 DAY POLICY REVIEW PERIOD Hollard will provide you with a copy of the policy document and policy schedule within 30 (thirty) days of receiving the application form and/or telephonic confirmation from you. Where no claim has been instituted in terms of this policy or where no right has accrued to an Insured Person to institute a claim or receive any benefit in terms of the policy, you may, within 30 (thirty) days of reciept of the policy documentation, cancel the policy by contacting Edcon Customer Care Services on and informing them of the cancellation. All premiums paid to Hollard during this 30 (thirty) day review period will be refunded by Hollard, subject to the deduction of the cost of any cover actually enjoyed. NO PREMIUM NO COVER This policy is conditional upon and will only commence following the payment of the first premium. Premiums are due and payable monthly on the date of billing of your Edgars account. This policy does not acquire any paid up value or surrender value. CANCELLATION You may cancel this policy at any time by giving 30 (thirty) days notice, in writing and/or telephonically, to Edgars of the cancellation of the policy. Hollard may cancel this policy at any time by giving 30 (thirty) days notice, in writing and/or telephonically, to you of the cancellation of the policy. Such cancellation notice shall be accepted from the date of posting such notice. The cancellation shall commence on the next Premium Due Date of the policy. If a premium has been paid for a period beyond the date of cancellation of this policy, Hollard shall refund the relevant premium. Hollard cannot be held responsible for any damages suffered by you due to a cancellation requested by you, where you do not inform the Insured Persons of such cancellation. CONTINUATION OF COVER Following the termination of the policy cover may be: - reinstated, subject to Hollard agreeing to such reinstatement and the receipt of all arrear premiums; or - restarted, subject to Hollard agreeing to such restart and the receipt of an administration charge. And subject to the terms and conditions advised at the time of the reinstatement or the restart request. PREMIUM AND POLICY AMENDMENTS Hollard may increase the premium amount from time to time by giving you 30 (thirty) days written notice of such increase. Hollard may amend this policy by way of endorsement, provided that any amendment will not affect the extent of cover already provided for and in force in terms of this policy. CHANGES IN DETAILS SUPPLIED Should there be any changes to the original details supplied by you at the time of application of the policy and/ or specified in the policy schedule, you must notify Edgars, in writing within 30 (thirty) days of such change occurring. Should you not notify Edgars of such change, Hollard reserves the right to reject liability in terms of a claim or to cancel this policy. CONSENT TO DISCLOSURE OF PRIVATE INFORMATION It is essential for insurance companies to share claims and underwriting information (as well as credit information) in order to enable the fair assessment and underwriting of risks and to reduce the number of fraudulent claims. You hereby waive any right to privacy and consent to the disclosure of any insurance information provided by you or on your behalf for any insurance policy or claim made or lodged by you or on your behalf and you agree to such information being disclosed to any other insurance company, whether on your behalf or on behalf of any person you represent herein. This consent clause will survive the termination for whatever reason of the policy, including the cancellation or lapsing thereof. The information provided may be verified against other sources or databases. CONDITION PRECEDENT Hollard s liability in terms of this policy is conditional on you, or anyone acting on your behalf, complying with all the terms, conditions and warranties of this policy. HOLLARD S LIABILITY Hollard will not be liable to make any payment unless the premium due in terms of this policy has been received, and the applicable documentation, data or medical evidence and satisfactory proof of a claim, as required by Hollard has been provided to Hollard at your, or if applicable the Nominated Beneficiary or appointed Executor s expense. Payment by Hollard of the benefits provided in the event of a valid claim in terms of this policy will be a full and effective discharge by Hollard of its liability and obligations in terms of the policy.
6 No benefit payable under this policy shall carry interest. REJECTION OF CLAIM AND TIME BAR If Hollard declines liability for a claim made in terms of this policy, void this policy, or if there is a dispute regarding the amount of the claim, representation may be made to Hollard within 90 (ninety) days (the representation period ) of the date of your receipt of the letter of rejection or avoidance. Representation must be submitted in writing to: Edcon Insurance Services, PO Box 87428, Houghton, 2041 Fax: Alternatively, you may contact: The Ombudsman for Long Term Insurance, Private Bag X45, Claremont 7735 Telephone: Fax: If the dispute is not satisfactorily resolved in this manner, legal action may be instituted against Hollard for the enforcement of the claim by way of the service of summons against Hollard. Summons must be served on Hollard within 180 (one hundred and eighty) days of the expiry of the representation period, failing which all benefits in respect of such claim shall be forfeited and no liability can arise in terms of such claim. CLAIM NOTIFICATION PERIOD On the happening of an event, which may result in a claim in terms of this policy, you, the Nominated Beneficiary or appointed Executor shall, at their own expense submit the claim to Hollard. You, the Nominated Beneficiary or appointed Executor must submit to Hollard, the full details in writing of the claim as soon as reasonably possible up to a maximum of 180 (one hundred and eighty) days from the date of the event giving rise to the claim. Hollard shall in no way whatsoever be liable to pay any benefit if the full details of the claim are not received within the maximum period as stipulated above. CLAIM PROCESS All certificates, information and evidence required by Hollard shall be furnished in the form prescribed and without expense to Hollard. Hollard shall be entitled to access any medical and hospital records in relation to an Insured Person s health and make copies of such records. Any receipt or discharge which you or your personal representatives or Beneficiary may give to Hollard for any benefit paid under this policy shall be deemed as final and complete discharge of all liability of Hollard in respect of any and every contingency resulting to the Insured Person in consequence of the death whether resulting before or after the date of such receipt or discharge. Refer to your policy schedule for the claims and customer care contact details. INTERPRETATION Words importing the singular shall include the plural, and vice versa, words importing the masculine gender shall include the feminine and neuter genders, and vice versa, and words importing natural persons shall include legal persons, and vice versa. The clause headings in this policy are inserted for reference purposes only and shall not affect the interpretation of any of the provisions to which they relate. SPECIFIC DEFINITIONS Unless the contrary appears from the context, the following words and phrases shall have the meanings assigned to them where they appear in this policy: HOLLARD Hollard means the Hollard Life Assurance Company Limited. PERIOD OF INSURANCE The period commencing on the Inception Date or the date that cover is restarted and ceasing one month after the Inception Date or the date that cover is restarted. This period is extended by one month for each additional monthly premium received by Hollard. POLICY SCHEDULE The Policy Schedule is incorporated in and forms part of this Policy and sets out inter alia the Insured Person(s) details, premium(s) payable and the benefits applicable to each Insured Person and may be amended from time to time. INSURED PERSON Insured Person means an individual who is covered in terms of this policy and refers to a person who has been accepted by Hollard as an Insured Person where applied for by you in terms of this policy. An Insured Person will only be covered if the Insured Person is reflected on the Policy Schedule as an Insured Person, and subject to the terms and conditions of this policy. An Insured Person s cover will continue until you notify Hollard of any changes or until cover ceases in terms of the terms and conditions of this policy. Persons who are not reflected on the Policy Schedule will not be covered in terms of this policy. The following Insured Persons may be covered in terms of this policy: MAIN INSURED PERSON or YOU or YOUR The person applying for cover. The person who has been accepted as the Main Insured Person in terms of this policy.
7 PARTNER Partner means the person to whom you or the Main Insured Person (as applicable) is married. Marriage means: a marriage or civil union in terms of statutory law; or a union which is recognised as a marriage in terms of any customary or tribal law or under the tenets of any Asiatic religion; or a union where 2 (two) persons are living together as if married (whether in a heterosexual or homosexual partnership), with the commitment of continuing to do so permanently and had been doing so for at least 12 (twelve) consecutive months immediately prior to the Benefit Inception Date and for at least 12 (twelve) consecutive months immediately before a claim is submitted; provided that satisfactory proof is submitted to Hollard regarding the above. CHILD A Child means a Child or Grandchild of the Main Insured Person or Main Insured Person s Partner, where Child is defined as one of the following: a Child by birth, including a Stillborn Child, during the Period of Insurance; or a step-child, an illegitimate Child and an adopted Child; or a Child in respect of whom the Main Insured Person has been appointed as the legal guardian (in certain special circumstances) and where the Child is not a Child by birth, a step-child, an illegitimate Child or an adopted Child; provided that satisfactory proof of such status is submitted to Hollard. A Stillborn Child means a child born following 28 (twenty-eight) weeks of pregnancy and not as a result of any wilful abortion. A Grandchild means a Child of any of the Main Insured Person s Children or the Main Insured Person s Partner s Children and where both parents of the Grandchild are deceased or where the Grandchild is a Dependant of the Main Insured Person or the Main Insured Person s Partner, provided that satisfactory proof of such status is submitted to Hollard. INCEPTION DATE The Inception Date will be the later of the Benefit Inception Date, Restart Date and Policy Inception Date specified in your most recent Policy Schedule. POLICY INCEPTION DATE The date of receipt of the first premium. BENEFIT INCEPTION DATE The Benefit Inception Date for each Insured Person may be different. For each benefit and Insured Person, the Benefit Inception Date as set out in your most recent Policy Schedule is the date from which the Insured Persons are covered in terms of this policy. RESTART A restart occurs when a policy which has lapsed or been reflected as not taken up (NTU d) (status is out-of-force) is returned to a position similar to that it was in before it lapsed (i.e. returned to an in-force premium paying status or quote status for NTU d policies). No arrear premiums are payable on a restart. However, an admin charge is payable. All waiting periods re-apply from the effective Restart Date. RESTART DATE The date of receipt of the first premium after Hollard agreeing to restart cover under this policy. REINSTATEMENT A reinstatement occurs when a policy which has lapsed (status is out-of-force status) or been made paid-up (status is in-force and not premium paying) is returned to the position it was in before it lapsed or became paid-up (i.e. returned to an in-force premium paying status). All arrear premiums are payable before a reinstatement will be effected. (Note: The partial payment of arrear premiums is not allowed). A 6 (six) month waiting period will apply from the effective Reinstatement Date. REINSTATEMENT DATE The date of termination of the policy subject to Hollard agreeing to reinstate cover under this policy. PREMIUM DEBIT DATE Premium Debit Date is the day in each month on which Edgars will debit the Premium Payer s Account. PREMIUM DUE DATE Premium Due Date is the day in each month on which the premium is payable to Edgars to extend the Period of Insurance and coincides with your Edgars account due date. PREMIUM PAYER The Premium Payer is the Main Insured Person. DEPENDANT Dependant means a person who is financially dependent on the Main Insured Person or Main Insured Person s Partner at the date of application and immediately prior to the Dependant s death.
8 EFPP WE COVER YOUR WORLD YOUR LIFE PERSONAL/FAMILY ACCIDENT PLAN EDGARS LIFE COVER PERSONAL FUNERAL PLAN PARENT FUNERAL PLAN FAMILY FUNERAL PLAN FAMILY PROVIDER PLAN ACCOUNT PROTECTION PLAN YOUR HEALTH HOSPITAL CASH BACK DENTAL ACCIDENT PLAN DENTAL HEALTH PLAN YOUR STUFF EDGARS HOME PROTECT CELLPHONE INSURANCE YOUR LAWYER EDGARS LEGAL INSURANCE Call to enrol for any of the above products. Visit for more information. Pol ver: Mkt ver:
HSBC Life Cover (Level and Decreasing) Everything you need to know for: Personal Protection and Business Protection 2 Contents Section Page Policy Summary 3 Type of Insurance and Cover 3 Significant Features
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
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
Aus Income Protection, Life and Total and Permanent Disablement Insurance for Avant Doctors Combined Financial Services Guide and Product Disclosure Statement Avant Insurance Limited ABN 82 003 707 471
Insurance Credit Protection Product Disclosure Statement including Policy Wording Issued by: St Andrew s Insurance (Australia) Pty Ltd and St Andrew s Life Insurance Pty Ltd Happy Banking CREDIT PROTECTION
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
CALIFORNIA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT SUMMARY DOCUMENT AND DISCLAIMER Residents of California who purchase life and health insurance and annuities should know that the insurance
Group Term Life Insurance Certificate For Active Employees and Retirees State of Michigan m Employee Group Term Life Certificate of Insurance Minnesota Life Insurance Company - A Securian Company 400 Robert
AMP Life Insurance Product Disclosure Statement and policy document Issue date: 12 March 2014 Contents Summary 1 Product issuer 1 Other companies involved in providing services 1 for the AMP Life Insurance
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
State of Illinois Group Life Insurance Program m Minnesota Life Insurance Company A Securian Company Group Insurance - Springfield Office 1 North Old Capitol Plaza, Suite 305 Springfield, IL 62701-1393
This is an electronic version of the Product Disclosure Statement. Applications for MLC Personal Protection Portfolio may only be made by persons receiving this electronic document within Australia. Should
MEDIBANK INCOME PROTECTION Combined Product Disclosure Statement and Financial Services Guide INCOME PROTECTION Issue date: 27 April 2015 Issue number: 4 In store 1300 766 085 medibank.com.au Who is the
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
Westpac Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a Combined
Release 10.0.1 YOUR GROUP SHORT-TERM DISABILITY BENEFITS FOR EMPLOYEES OF: St. Clair County Commission CLASS(ES): All Eligible Employees excluding Elected Officials EFFECTIVE DATE: August 1, 2013 PUBLICATION
A Plan Designed to Provide Security for Employees of Ameren Group Life Insurance Plan for Employees Represented by a Collective Bargaining Agreement with: AmerenUE and IBEW Local Union 2 AmerenEnergy Resources
St.George Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a
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)
Blacksheep Business Communications Terms and Conditions for Telephone Services For Business and Residential s Last updated April 2009 1. DESCRIPTION OF THE SERVICE 1.1 The Service is the facility to make
Fund Rules Bupa Australia Pty Limited Effective from 5 June 2015 BUPALEGAL338441\0.3 Page 1 of 462 CONTENTS SECTION NUMBER PAGE A INTRODUCTION 3 B INTERPRETATION AND DEFINITIONS 6 C MEMBERSHIP 12 D CONTRIBUTIONS
Group Life Insurance Supplementary Product Disclosure Statement Issued: 1 July 2014 Life s better with the right partner This Group Life Insurance Supplementary Product Information Booklet ( SPIB ) supplements
Group Life Insurance Program MAINE PUBLIC EMPLOYEES RETIREMENT SYSTEM Certificate of Coverage for Accidental Death and Personal Loss Insurance BENEFIT PROGRAM Prepared Exclusively for Maine Public Employees
Supplementary Product Disclosure Statement Issued: 12 March 2014 Product name Date of PDS CoverPlus Life 28 April 2011 CoverPlus Income Protection 28 April 2011 CoverPlus Critical Illness 28 April 2011
This document is a summary of the Bupa Australia Pty Ltd Fund Rules. You can access the full version of the Fund Rules (which includes product information) here. You can also access information about your