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

Size: px
Start display at page:

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

Transcription

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

2 What is a Product Disclosure Statement? A Product Disclosure Statement (PDS) is a document which will assist you to make an informed decision about whether or not to purchase a particular insurance product. You should read it carefully before you make your final decision to purchase. You must have received this PDS in Australia. This PDS contains general information about Funeral Plan, which will help you decide whether it is right for you. It explains the significant benefits, premiums, significant risks, our complaints handling process, cooling off period and other rights, and terms and conditions relating to this product. It has been prepared without taking into account your financial situation, needs and objectives. You should read and consider the information contained in this PDS to understand the extent of the cover provided by this policy and its limitations to decide whether it is appropriate for you. You may wish to consult a financial adviser. The information contained in this Product Disclosure Statement (PDS) is current at the time of issue. From time to time we may change or update information that is not materially adverse by providing a notice of changes on You can also obtain a paper copy of the updated information by calling us on If there is a materially significant change or omission to this PDS, we will issue a supplementary or replacement PDS. Funeral Plan is issued by MetLife Insurance Limited (MetLife) ABN AFSL No Level 9, 2 Park Street, Sydney NSW 2000 Telephone: In this PDS, we, our and us refers to MetLife. You and your means the policy owner who is also the insured person. Cover is issued from MetLife s No.1 Statutory Fund. Funeral Plan is not a savings plan. MetLife Insurance Limited (MetLife), an affiliate of MetLife, Inc., is a specialist provider of life insurance to affinity partners, superannuation trustees and employers in Australia. MetLife has expertise in designing and executing both direct insurance programs for partners customers and insurance solutions to meet the needs of specific member groups. MetLife has been a specialist provider of life risk insurance products in Australia, since MetLife is a subsidiary of MetLife, Inc. (NYSE: MET), a leading global provider of insurance, annuities and employee benefit programs, serving 90 million customers in over 50 countries. Through its subsidiaries and affiliates, MetLife holds leading market positions in the United States, Japan, Latin America, Asia Pacific, Europe and the Middle East. For more information, visit Contents 9 great reasons to choose Funeral Plan 1 About Funeral Plan 2 What are the significant benefits? 2 What benefits does Funeral Plan provide if I die? Can I decide who will receive the Funeral Benefit? Can I change my cover if my circumstances change? Applying for cover 4 Am I eligible to apply for cover? How much cover can I have? How can I apply? When will my cover commence? When will my cover end? Premiums 4 What does Funeral Plan cost? Am I eligible for any discounts? What happens if I don t pay my premium? Additional information 5 How do I make a claim? Are there any risks in taking out a Funeral Plan policy? Are Funeral Plan benefits taxed? Who can own a Funeral Plan policy? Is my policy guaranteed renewable? What if I have a problem with my policy? What happens with the personal information I give to you? Register of alternative forms of remuneration Direct Debit Service Agreement 8

3 9 great 1 reasons to choose Funeral Plan Up to $30,000 cover Select the level of cover that best suits you to provide a benefit to your family to help cover your funeral and other final expenses. 6 Easy to apply Applying for Funeral Plan is so easy. For your convenience, you can apply over the phone or by simply completing the Funeral Plan Application. 2 Guaranteed cover with no medical exams or blood tests If you are aged 18 to 70, you are guaranteed cover under this product. 7 Worldwide cover You are covered 24 hours a day, 365 days a year, anywhere in the world. 3 Inflation Protection Increase your level of cover each year to keep pace with inflation. 8 Guaranteed renewability We guarantee to renew your policy as long as you want, regardless of any changes in your health. 4 Cover Discount $20,000 cover or more, you will receive a premium discount of 10%. 9 Joint cover For your convenience, you and your partner may jointly apply for this product. 5 Family Discount Enjoy an additional 20% premium discount if two or more people apply for Funeral Plan cover. Funeral Plan 1

4 About Funeral Plan Funerals can be expensive and usually the money needs to be paid upfront. For many families the cost of a funeral is a real shock, which comes at the worst possible time. So when the time does come, you want your family to be able to remember you in the way they want, not to be struggling to find thousands of dollars to pay for your funeral. Funeral Plan pays a lump sum benefit directly to your nominated beneficiaries or estate, to help cover your funeral costs or other unexpected expenses which may come up at that time. Applying for Funeral Plan cover is easy. There are no blood tests or medical exams so, provided you are between the ages of 18 and 70 and eligible to apply, you are guaranteed cover under this product in minutes. Cooling off period For your added peace of mind, Funeral Plan comes with a 30 day cooling off period. You have 30 days from the policy commencement date to review your policy and make sure that it meets your needs. If you change your mind and wish to cancel your policy during this time, provided that you have not made a claim, you will be entitled to a full refund of premiums paid up to that time. What are the significant benefits? What benefits does Funeral Plan provide if I die? A Funeral Benefit will be payable depending on the event and the time the event occurred. Time of event During the first 12 months from your policy commencement date, reinstatement date or the date you increase your cover. After 12 months from your policy commencement date, reinstatement date or the date you increase your cover. Event Your death as a result of an accident Your death as a result of an illness or intentionally self-inflicted act Your death as a result of any cause Benefit payable Your cover level A refund of premiums paid Your cover level plus any indexation amount Can I decide who will receive the Funeral Benefit? You can nominate to whom your Funeral Benefit will be paid in the event of your death by completing a Nomination of Beneficiary Form. This form will be sent to you when you commence your cover. However, if the policy is jointly owned, the proceeds will be payable to the surviving policy owner. If you are the last surviving policy owner, any benefit payable on your death will be paid to your nominated beneficiary (if any) or estate. Can I change my cover if my circumstances change? You can apply to increase your cover at any time. If we agree to increase your cover level, it will be subject to the maximum entry age and level of cover available. To ensure that your protection keeps pace with the rising cost of living, each year on your policy anniversary, we will automatically increase your cover level by the Consumer Price Index (CPI), subject to a maximum of 10% per annum. Your premium will increase accordingly. If you believe your cover remains sufficient to meet your needs, you do not have to accept this increase. You can cancel your cover at any time or reduce it subject to the minimum cover level available. 2 Funeral Plan

5 Funeral Plan 3

6 Applying for cover Am I eligible to apply for cover? You can apply for a Funeral Plan policy if you are: a citizen or permanent resident of Australia, currently residing in Australia; and aged between 18 and 70 years. You can have up to 2 persons insured on the one policy. However, other family members can apply separately and enjoy a Family Discount. How much cover can I have? You select the cover level that you believe will suit your needs, from $5,000 to $30,000. How can I apply? Applying for Funeral Plan is easy and there are no medicals or blood tests. Simply call between 8am and 6pm (AEST), Monday to Friday to apply. When will my cover commence? Your cover will commence once your application has been accepted by us. You will receive a policy document and policy schedule detailing the level of cover for which you have been approved. The policy document along with the policy schedule forms the basis of your contract. If there is any inconsistency between this PDS and the policy document, the full terms and conditions contained in the policy document will prevail to the extent of the inconsistency. When will my cover end? Your cover ends on the earliest of the following events: you turn age 120; your insurance is cancelled due to non-payment of premium; you cancel your insurance; or when your Funeral Benefit is paid. If your policy is jointly owned, your cover will continue upon the death of the other life and premiums will be adjusted accordingly. Premiums What does Funeral Plan cost? The premium payable for this policy is based on your chosen cover level, your age, gender and the number of persons insured. The table below lists how these factors will affect your premium: Factor Cover level Age Gender Number of persons insured Effect on premium Premiums increase as your cover level increases. Higher sums insured will receive a discount. Premiums usually increase as your age increases. After age 80, your premium rates will be capped. However, your premiums payable will continue to increase in respect of any indexation increases which are applied to your cover level. Premiums are generally lower for females than for males. Discounts apply for more than one person insured. Premium illustration: If you are a 50 year old male purchasing $10,000 cover, your first monthly premium would be $25.20 per month. If you are a 55 year old female purchasing $15,000 cover, your first monthly premium would be $34.05 per month. Your individual premium will be advised during your application. Your premiums must be paid either fortnightly, monthly or annually in advance through either your bank account or credit card (Diners, American Express, Visa or MasterCard). Premiums are re-calculated based on your age at each policy anniversary. The premium you pay includes any compulsory government charges (e.g. stamp duty). We will notify you of any additional charges due to legislative changes. We will send you a notice prior to each policy anniversary confirming your premium. 4 Funeral Plan

7 We may amend the premium rates that apply to Funeral Plan at any time and, as a result, your premium may increase or decrease. However, your premium can only change if we change the rates for all Funeral Plan policies like yours and, therefore, you cannot be singled out for an increase. If we amend the premium rates, we will provide you with at least 30 days written notice. Am I eligible for any discounts? Cover Discount Cover levels of $20,000 and over attract a discount of 10%. Family Discount You may also be entitled to a Family Discount. Should your spouse/de facto, parents, siblings or children also purchase a Funeral Plan policy, you and your family members will all enjoy a 20% discount. This discount will apply from the date you notify us of your entitlement. You may be eligible for both a Cover Discount and a Family Discount. eg. If you purchase a $30,000 Funeral Plan policy and your spouse takes out another MetLife Funeral Plan policy, you will be entitled to a 30% discount (10% Cover Discount + 20% Family Discount). What happens if I don t pay my premium? You must pay your premiums throughout the life of the policy when they are due. If you do not pay a premium within 30 days of it being due, we will cancel your policy. However, we will provide you with 30 days written notice, before we cancel it for this reason. Additional information How do I make a claim? If your family or estate needs to make a claim, they should contact us as soon as possible on We will send out a claims pack, which sets out in detail the information that is required by us to assess and complete a claim. Are there any risks in taking out a Funeral Plan policy? Some of the risks associated with taking out a Funeral Plan policy include that: the policy may not suit your needs; the level of cover may be insufficient; and Funeral Plan is not a savings plan, so if you cancel the policy after the cooling off period, you will not receive any premiums back. It is important that you ensure that the policy meets your needs both now and in the future. You may wish to seek assistance from a financial adviser if you are not sure if Funeral Plan suits your personal circumstances. Are Funeral Plan benefits taxed? Generally the benefit paid under this policy will not be assessable for income tax purposes nor will the premiums be tax deductible where Funeral Plan cover is taken out for personal reasons. Goods and Services Tax (GST) does not currently apply to these insurance premiums. If the tax laws are altered, we reserve the right to increase premiums or charges to reflect any applicable GST or any other Government taxes and charges that may be introduced. This information is based on current interpretation of tax law. If you have any concerns, we recommend you seek advice from a qualified professional in relation to your circumstances. Funeral Plan 5

8 Who can own a Funeral Plan policy? If there is one insured person listed on the policy schedule, you will be the sole owner of the policy. If there are two insured persons listed on the policy schedule, both insured persons will be joint policy owners. You may not assign/transfer the ownership of your policy. Is my policy guaranteed renewable? We guarantee to renew your policy on each policy anniversary until your cover ends (see page 4). This guarantee applies regardless of any change in your health or personal circumstances, provided premiums are paid when due. What if I have a problem with my policy? We have established a complaints resolution process and are committed to working with you to resolve your concerns. If you have any concerns in relation to your policy or MetLife, please contact us by: Telephone: Mail: Dispute Resolution Officer MetLife Insurance Limited Reply Paid 3319 Sydney NSW 2001 If you are not satisfied with how we respond to your complaint, you may contact the Financial Ombudsman Service (FOS), an independent and impartial body, who will investigate the matter. FOS can be contacted by: Telephone: Mail: The Executive Officer Financial Ombudsman Service GPO Box 3 Melbourne Victoria Website: What happens with the personal information I give to you? If you want to purchase Funeral Plan cover, we will need to collect personal information from you so we can: assess your application; set up and administer your policy; provide you with service; and assess any claims you may have. Additionally, we may use the information you give us to: improve our financial products and services; and provide you with information about other MetLife products and services. In some circumstances this may mean that we will need to share your information with a third party, eg. your doctor, in the event of a claim. We may also need to send your personal information overseas or collect personal information about you from overseas. You may request a copy of the information we hold about you at any time. For our full Privacy Statement please go to or call us on Register of alternative forms of remuneration We maintain a register of alternative forms of remuneration paid to intermediaries as required by the Financial Services Council, of which we are a member. The purpose of this register is to provide an outline of the alternative types of remuneration paid and received. You can obtain a copy by calling us on Funeral Plan

9 Funeral Plan 7

10 Direct Debit Service Agreement The following terms and conditions relate to the use of direct debit payments from your bank account or credit card. You (or the Account Holder if different to you) will need to keep this document with your records. 1) You are responsible for ensuring the nominated account can accept direct debits and there are sufficient clear funds available in the nominated account to permit payments on the due date. 2) MetLife will initiate debits from your nominated bank account or credit card in accordance with your application form. 8) In the event that your financial institution refuses to pay any direct debit made under the arrangement, MetLife will write to you requesting alternative payment. 9) Any information supplied by you (or the Account Holder if different to you) will remain confidential and will only be disclosed if authorised by you (or the Account Holder if different to you) or where required by law. 10) Initially, you should direct any request for stops or cancellations to MetLife. 3) MetLife agrees to provide not less than 14 days notice to you if it proposes to vary these arrangements. 4) You may request deferment of, or alteration to, the agreed drawing schedule by writing to: MetLife, GPO Box 3319, Sydney NSW MetLife reserves the right to decline this request. 5) You (or the Account Holder if different to you) can cancel, defer the direct debit, or suspend an individual debit from taking place under it, by notifying MetLife by telephone, fax, or by notice in writing. You need to allow MetLife 14 days to process any cancellation, deferment or suspension. 6) In the event you disagree with any debit under the arrangement with MetLife, you should call us on or write directly to The Dispute Resolutions Officer at the address in point 4. 7) Direct debits will be done on the same date of the relevant month unless otherwise agreed. When the due date for payment falls on a day that is not a business day, MetLife will debit your account on the next business day. 8 Funeral Plan

11 MetLife Insurance Limited ABN AFSL No Level 9, 2 Park Street Sydney NSW 2000 Telephone: MET /12

My plan. Their future. Heading goes. here. Powered by Citi. Powered by Citi. Pure Life. Product Disclosure Statement Issued 025 March?

My plan. Their future. Heading goes. here. Powered by Citi. Powered by Citi. Pure Life. Product Disclosure Statement Issued 025 March? Pure Life My plan. Heading goes Their future. here. Powered by Citi. Powered by Citi. Product Disclosure Statement Issued 025 March? April 2011 Issuer: Distributor: MetLife Insurance Limited Citigroup

More information

Suncorp Funeral Plan. Product Disclosure Statement

Suncorp Funeral Plan. Product Disclosure Statement Suncorp Funeral Plan Product Disclosure Statement Prepared on: 14 February 2014 Effective date: 12 March 2014 Important information This is the Product Disclosure Statement (PDS) for Suncorp Funeral Plan.

More information

Funeral Plan. Product Disclosure Statement. Rewarding experience

Funeral Plan. Product Disclosure Statement. Rewarding experience Funeral Plan Product Disclosure Statement Rewarding experience This product and product disclosure statement are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the

More information

Product Disclosure Statement

Product Disclosure Statement Free Parent Cover Product Disclosure Statement Call 1300 547 435 or visit coles.com.au/insurance Issue Date: 1 February 2015 Issued by: MetLife Insurance Limited Who is the Insurer of Coles Life Insurance

More information

Product Disclosure Statement

Product Disclosure Statement GIO Funeral Plan 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, GIO. Important

More information

GIO Funeral Insurance

GIO Funeral Insurance GIO Funeral Insurance Product Disclosure Statement and Policy Document Prepared on: 19 September 2014 Effective date: 20 October 2014 This product and combined Product Disclosure Statement and Policy Document

More information

LIFE INSURANCE. Product Disclosure Statement

LIFE INSURANCE. Product Disclosure Statement 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

More information

Suncorp Life Protect Product Disclosure Statement

Suncorp Life Protect Product Disclosure Statement Suncorp Life Protect Product Disclosure Statement Prepared on: 20 February 2015 Effective date: 30 March 2015 Important Information This is the Product Disclosure Statement (PDS) for Suncorp Life Protect.

More information

Suncorp Funeral Plan. Policy Document

Suncorp Funeral Plan. Policy Document Suncorp Funeral Plan Policy Document Contents 1.0 Important information 3 2.0 Cooling off period 4 3.0 When does cover start and stop? 4 4.0 Benefits under this policy 5 5.0 Your premium 7 6.0 Claims 8

More information

Loan Protection. Product Disclosure Statement (PDS) Issued: 1 September 2013. Protecting your financial future with us

Loan Protection. Product Disclosure Statement (PDS) Issued: 1 September 2013. Protecting your financial future with us Loan Protection Product Disclosure Statement (PDS) Issued: 1 September 2013 Protecting your financial future with us Issued by: MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096, Level 9, 2 Park

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

ACCIDENTAL DEATH INSURANCE

ACCIDENTAL DEATH INSURANCE ACCIDENTAL DEATH 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,

More information

Funeral Plan. Rewarding experience

Funeral Plan. Rewarding experience Funeral Plan Policy Document Rewarding experience This product and policy document are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, Apia. Contents 1.0.

More information

There s more to an estate plan than just funding your funeral costs

There s more to an estate plan than just funding your funeral costs There s more to an estate plan than just funding your funeral costs National Seniors Premium Funeral & Estate Plan is issued by MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096 (MetLife). Product

More information

Suncorp Accidental Death Plan. Product Disclosure Statement

Suncorp Accidental Death Plan. Product Disclosure Statement Suncorp Accidental Death Plan Product Disclosure Statement Prepared on: 14 February 2014 Effective date: 12 March 2014 Important Information This is the Product Disclosure Statement (PDS) for Suncorp Accidental

More information

Product Disclosure Statement. Issue date: 14 December 2015 Issue number: 6

Product Disclosure Statement. Issue date: 14 December 2015 Issue number: 6 Product Disclosure Statement Issue date: 14 December 2015 Issue number: 6 Accident Only Woolworths Life Insurance 2 Welcome to Woolworths Life Insurance Accident Only Explaining this document This Product

More information

AMP Life Insurance. Product Disclosure Statement and policy document

AMP Life Insurance. Product Disclosure Statement and policy document 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

More information

Life. Product Disclosure Statement and Insurance Policy

Life. Product Disclosure Statement and Insurance Policy Life Product Disclosure Statement and Insurance Policy CGU Life Product Disclosure Statement and Policy Life Preparation date: 01/02/2013 Contents About This Insurance 1 Overview 1 Who is the product

More information

Insurance. Life. Insurance. Product Disclosure Statement and Policy

Insurance. Life. Insurance. Product Disclosure Statement and Policy Insurance Life Insurance Product Disclosure Statement and Policy Effective 11 October 2013 The information provided in this PDS is general information only and does not take into account your individual

More information

Funeral Protection. Product Disclosure Statement and Policy Document. The Power of We. Version 1. Issued 15 August 2011 AIA.COM.AU

Funeral Protection. Product Disclosure Statement and Policy Document. The Power of We. Version 1. Issued 15 August 2011 AIA.COM.AU 1 Funeral Protection Product Disclosure Statement and Policy Document Version 1 Issued 15 August 2011 The Power of We AIA.COM.AU About this booklet We suggest that you keep this booklet in a safe place.

More information

St.George Quick Cover

St.George Quick Cover St.George Quick Cover St.George Quick Cover is the fast and easy way to help protect the people you care about. Product Disclosure Statement and Policy Wording (PDS). Effective Date: 20 October 2014 Issued

More information

Term Life. Product Disclosure Statement and Insurance Policy

Term Life. Product Disclosure Statement and Insurance Policy Term Life Product Disclosure Statement and Insurance Policy Administrator Intermediary The information provided in this PDS is general information only and does not take into account your individual objectives,

More information

Woolworths Life Insurance. Woolworths Life Insurance Accident Only Product Disclosure Statement. Issue date: 16 April 2015 Issue number: 5

Woolworths Life Insurance. Woolworths Life Insurance Accident Only Product Disclosure Statement. Issue date: 16 April 2015 Issue number: 5 Woolworths Life Insurance Woolworths Life Insurance Accident Only Product Disclosure Statement Issue date: 16 April 2015 Issue number: 5 Welcome to Woolworths Life Insurance Accident Only Explaining this

More information

ACCIDENTAL DEATH INSURANCE

ACCIDENTAL DEATH INSURANCE ACCIDENTAL DEATH INSURANCE Policy Document This product and Policy Document are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, AAMI. Contents 1.0 Important

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

Accidental Death Insurance at ClearView. Product Disclosure Statement & Policy Wording

Accidental Death Insurance at ClearView. Product Disclosure Statement & Policy Wording Accidental Death Insurance at ClearView Product Disclosure Statement & Policy Wording 1 October 2011 About this document This document contains the Product Disclosure Statement (PDS) and policy wording

More information

MemberCare Life Insure Policy

MemberCare Life Insure Policy MemberCare Life Insure Policy Product Disclosure Statement incorporating the Policy Wording Your family s complete protection Introduction & Welcome We understand how important it is to be comfortable

More information

Issued by. Product disclosure statement. Smart Shield Income Protection

Issued by. Product disclosure statement. Smart Shield Income Protection Issued by Product disclosure statement Smart Shield Income Protection Issue date: 1 August 2012 About the Product Providers MetLife MetLife, an affiliate of MetLife Inc., is a specialist provider of life

More information

combined financial services guide, product DiSclosure statement and policy Wording insurance

combined financial services guide, product DiSclosure statement and policy Wording insurance combined financial services guide, product DiSclosure statement and policy Wording Accidental death insurance 28th october 2011 This document is a Combined Financial Services Guide, Product Disclosure

More information

Your. Product Disclosure Statement and Insurance Policy

Your. Product Disclosure Statement and Insurance Policy Your Product Disclosure Statement and Insurance Policy In arranging this insurance Defence Bank Limited ABN 57 087 651 385 AFSL /Australian Credit Licence 234582 is acting pursuant to an agreement with

More information

Funeral Insurance at ClearView. Product Disclosure Statement & Policy Wording

Funeral Insurance at ClearView. Product Disclosure Statement & Policy Wording Funeral Insurance at ClearView Product Disclosure Statement & Policy Wording 1 October 2011 About this document This document contains the Product Disclosure Statement (PDS) and policy wording and is designed

More information

Contact AMP You can call or fax a Customer Service Officer on Phone 131 267 Fax 1300 301 267

Contact AMP You can call or fax a Customer Service Officer on Phone 131 267 Fax 1300 301 267 getting a home loan? Easy cover for you Loan Cover Product Disclosure Statement Issue 3, 1 January 2012 Loan Cover is issued by AMP Life Limited ABN 84 079 300 379, AFS Licence No. 233671 Loan Cover is

More information

Suncorp Life Protect Express. Combined Product Disclosure Statement and Policy Document

Suncorp Life Protect Express. Combined Product Disclosure Statement and Policy Document Suncorp Life Protect Express Combined Product Disclosure Statement and Policy Document Prepared on: 20 February 2015 Effective date: 30 March 2015 1.0 Important information This is the combined Product

More information

Smart Term Insurance

Smart Term Insurance Smart Term Insurance Combined Product Disclosure Statement and Financial Services Guide Product Disclosure Statement About Smart Term Insurance HCF Smart Term Insurance is a term life insurance product

More information

LIFE INSURANCE EXPRESS

LIFE INSURANCE EXPRESS LIFE INSURANCE EXPRESS Combined Product Disclosure Statement and Policy Document This product and Combined Product Disclosure Statement and Policy Document are issued by Suncorp Life & Superannuation Limited

More information

Macquarie Term Life Insurance. Product Disclosure Statement

Macquarie Term Life Insurance. Product Disclosure Statement Macquarie Term Life Insurance Product Disclosure Statement Issued by Macquarie Life Limited ABN 56 003 963 773 January 2010 Contents At a glance 01 At a glance 03 Terms and conditions 04 Your Policy 07

More information

LIFE INSURANCE EXPRESS

LIFE INSURANCE EXPRESS LIFE INSURANCE EXPRESS Combined Product Disclosure Statement and Policy Document This product and Combined Product Disclosure Statement and Policy Document are issued by Suncorp Life & Superannuation Limited

More information

Suncorp Accidental Injury Plan. Product Disclosure Statement

Suncorp Accidental Injury Plan. Product Disclosure Statement Suncorp Accidental Injury Plan Product Disclosure Statement Prepared on: 14 February 2014 Effective date: 12 March 2014 Important information This is the Product Disclosure Statement (PDS) for Suncorp

More information

St.George Protection Plans for Mortgage Customers

St.George Protection Plans for Mortgage Customers 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

More information

BT Protection Plans for Mortgage Customers

BT Protection Plans for Mortgage Customers BT 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

More information

Protection Plans for Mortgage Customers

Protection Plans for Mortgage Customers 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

More information

Smart Term Insurance

Smart Term Insurance Smart Term Insurance Combined Product Disclosure Statement and Financial Services Guide Product Disclosure Statement About Smart Term Insurance HCF Smart Term Insurance is a term life insurance product

More information

Seniors Final Expenses Insurance

Seniors Final Expenses Insurance Seniors Final Expenses Insurance Product Disclosure Statement Issue Date: 8 July 2015 The Over 50 s Insurance Specialists Australian Seniors Final Expenses Insurance is issued by Hannover Life Re of Australasia

More information

Aussie Funeral Plan. Product Disclosure Statement Issue date: 5 July 2010

Aussie Funeral Plan. Product Disclosure Statement Issue date: 5 July 2010 Aussie Funeral Plan Product Disclosure Statement Issue date: 5 July 2010 Aussie Funeral Plan is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level 7, 70 Phillip Street,

More information

Life Insurance. Go Protect. Product Disclosure Statement 24 October 2011. TAL Life Limited ABN 70 050 109 450 AFSL 237 848

Life Insurance. Go Protect. Product Disclosure Statement 24 October 2011. TAL Life Limited ABN 70 050 109 450 AFSL 237 848 Life Insurance Go Protect Product Disclosure Statement 24 October 2011 TAL Life Limited ABN 70 050 109 450 AFSL 237 848 Contact details You can contact TAL, 8:00am 7:00pm (EST), using the details below:

More information

Because you never know what may be around the corner. Product Disclosure Statement

Because you never know what may be around the corner. Product Disclosure Statement Essential Because you never know what may be around the corner Product Disclosure Statement Issued: 1 September 2015 Contents About Insure Me Now 1 About Hannover 1 Explaining this Product Disclosure Statement

More information

Accidental Death & Serious Injury Cover

Accidental Death & Serious Injury Cover Accidental Death & Serious Injury Cover Product Disclosure Statement Issue date: 27 April 2015 Accidental Death & Serious Injury Cover is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37

More information

Westpac Estate Plan. Policy Document

Westpac Estate Plan. Policy Document Westpac Estate Plan Policy Document Welcome We welcome you as a client. This document sets out the conditions of your policy. Please contact our Customer Relations Centre on 131 817 if you have any questions

More information

IOOF SMSF Insurance. Product Disclosure Statement

IOOF SMSF Insurance. Product Disclosure Statement IOOF SMSF Insurance Product Disclosure Statement The policy owner of this product is IOOF Investment Management Limited Level 6, 161 Collins Street Melbourne VIC 3000 The administrator and issuer of this

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

I loved reading the terms & conditions! said no one, ever. term deposit terms + conditions

I loved reading the terms & conditions! said no one, ever. term deposit terms + conditions I loved reading the terms & conditions! said no one, ever term deposit terms + conditions index. Part a - general terms and conditions. 2 1 Purpose of this booklet. 2 2 Meaning of words used. 2 3 Opening

More information

Disclosure Statement,

Disclosure Statement, Need help? Need help? Call us on: us 1800 on 633 1317014 63 Mon Go to: to nib.com.au/funeralplan Fri: 8am 8.30pm Sat: 8am 1pm (AEST) Visit an nib Retail Centre nib health care services pty ltd ABN 91 003

More information

ACCIDENTAL INJURY INSURANCE

ACCIDENTAL INJURY INSURANCE ACCIDENTAL INJURY INSURANCE Product Disclosure Statement and Policy Document This product and combined Product Disclosure Statement and Policy Document are issued by Suncorp Life & Superannuation Limited

More information

Aussie Mortgage Protection Plan

Aussie Mortgage Protection Plan Aussie Mortgage Protection Plan Convenient protection for your mortgage Product Disclosure Statement Issue date: 1 November 2013 Issued by: MetLife Insurance Limited and ACE Insurance Limited Distributed

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

Family Life Cover Product Disclosure Statement Issue date: 1 December 2014

Family Life Cover Product Disclosure Statement Issue date: 1 December 2014 Family Life Cover Product Disclosure Statement Issue date: 1 December 2014 Family Life Cover is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level 7, 70 Phillip Street,

More information

Professionals Income Protection Plan

Professionals Income Protection Plan Customer Services Phone 1800 658 679 Fax 02 9234 6668 Email customer@ing.com.au Postal address Customer Services GPO Box 5306 Sydney NSW 2001 Website www.ing.com.au Professionals Income Protection Plan

More information

Loan Protection Plan. Product Disclosure Statement. Issued By: Hannover Life Re of Australasia Ltd and QBE Insurance (Australia) Limited

Loan Protection Plan. Product Disclosure Statement. Issued By: Hannover Life Re of Australasia Ltd and QBE Insurance (Australia) Limited Loan Protection Plan Product Disclosure Statement Issue date: 18 April 2016 Issued By: Hannover Life Re of Australasia Ltd and QBE Insurance (Australia) Limited Distributed by: ALI Group Table of contents

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Issued: 1 November 2013 In this Financial Services Guide (FSG), we, our, us or AEGON means AEGON Direct & Affinity Marketing Services Australia Pty Ltd (ABN 35 082 524 785) with

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

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

Disclosure Statement,

Disclosure Statement, Combined Product Disclosure Statement, Statement Product Disclosure Financial Services Guide and Important information about nib s health covers General terms and conditions Policy Document Hospital cover

More information

Life Insurance. Combined Product Disclosure Statement and Financial Services Guide

Life Insurance. Combined Product Disclosure Statement and Financial Services Guide Life Insurance Combined Product Disclosure Statement and Financial Services Guide 02 About this document This combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG) is designed

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

Building Indemnity Insurance - South Australia Policy Wording

Building Indemnity Insurance - South Australia Policy Wording Building Indemnity Insurance - South Australia Policy Wording CBW BII SA 1213 Effective Date 01 December 2013 Welcome to the financial security provided by Calliden Building Indemnity Insurance - South

More information

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Simply Smarter Life Insurance Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Budget Direct Life Insurance and Budget Direct Accidental Death Insurance

More information

combined financial services guide, product DiSclosure statement and policy Wording funeral insurance

combined financial services guide, product DiSclosure statement and policy Wording funeral insurance combined financial services guide, product DiSclosure statement and policy Wording funeral insurance 28th october 2011 This document is a Combined Financial Services Guide, Product Disclosure Statement

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

Your. Product Disclosure Statement and Insurance Policy

Your. Product Disclosure Statement and Insurance Policy Your Product Disclosure Statement and Insurance Policy In arranging this insurance Credit Union Australia Limited ABN 44 087 650 959 AFSL No. 238317 is acting pursuant to an agreement with the Insurer

More information

Loan Protection Plan

Loan Protection Plan Issued by Short form product disclosure statement NO APPLICATION FORM Please note, this document does not contain an application form. Loan Protection Plan Convenient risk protection for your loan Issue

More information

Challenger Guaranteed Annuity (Liquid Lifetime)

Challenger Guaranteed Annuity (Liquid Lifetime) Challenger Guaranteed Annuity (Liquid Lifetime) Product Disclosure Statement (PDS) Dated 27 October 2014 Challenger Guaranteed Annuity (SPIN CHG0005AU) Issuer Challenger Life Company Limited (ABN 44 072

More information

product disclosure statement Issued by Westpac Life Insurance Services Limited ( Westpac Life )

product disclosure statement Issued by Westpac Life Insurance Services Limited ( Westpac Life ) Westpac Future Cover product disclosure statement Issued by Westpac Life Insurance Services Limited ( Westpac Life ) ABN 31 003 149 157 Australian Financial Services Licence No. 233728 Level 20, Westpac

More information

AMP Firstcare Term Life Insurance

AMP Firstcare Term Life Insurance AMP Firstcare Term Life Insurance Customer Information Brochure A simple and convenient way to protect yourself and your family s future Issue 7d Issue 1 February 2002. Expires 31 December 2002. You should

More information

Group Income Protection For Employees

Group Income Protection For Employees Group Income Protection For Employees Product Disclosure Statement Issue Date 1 February 2014 Contents 1 About this document 2 Important notes 2 About Hannover 3 About UPlus 3 UPlus administration 3 How

More information

Motor Equity Insurance. Policy Document (Product Disclosure Statement) 216469 POL373 Alph cov_d1.indd 2 6/03/13 12:47 PM

Motor Equity Insurance. Policy Document (Product Disclosure Statement) 216469 POL373 Alph cov_d1.indd 2 6/03/13 12:47 PM Motor Equity Insurance Policy Document (Product Disclosure Statement) 216469 POL373 Alph cov_d1.indd 2 6/03/13 12:47 PM Preparation Date: 01/03/2013. 216469 POL373 Alph cov_d1.indd 3 6/03/13 12:47 PM Table

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

Credit Card Protect. Product Disclosure Statement

Credit Card Protect. Product Disclosure Statement Credit Card Protect Product Disclosure Statement Bank of Melbourne Credit Card Protect is issued by Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 (Swann Insurance) and St.George Life Limited ABN 88

More information

Suncorp Income Protection. Policy Document

Suncorp Income Protection. Policy Document Suncorp Income Protection Policy Document Contents 1.0. Important information 3 2.0. Cooling off period 4 3.0. When does cover start and stop? 4 4.0. Benefits under this policy 5 5.0. When we wont pay

More information

Group Income Protection For Employees

Group Income Protection For Employees Group Income Protection For Employees Product Disclosure Statement Issue Date 1 September 2011 Contents 1 About this document 2 How CivilCover works 2 About Hannover 3 About Coverforce 3 CivilCover administration

More information

ACCIDENT INSURANCE PRODUCT DISCLOSURE STATEMENT ISSUED 16 APRIL 2015

ACCIDENT INSURANCE PRODUCT DISCLOSURE STATEMENT ISSUED 16 APRIL 2015 ACCIDENT INSURANCE PRODUCT DISCLOSURE STATEMENT ISSUED 16 APRIL 2015 This Product Disclosure Statement (PDS) is designed to help you decide if the cover provided is right for you. This PDS is provided

More information

Group Income Protection For Employees. Product Disclosure Statement Issue Date 1 September 2011 (Updated March 2014)

Group Income Protection For Employees. Product Disclosure Statement Issue Date 1 September 2011 (Updated March 2014) Group Income Protection For Employees Product Disclosure Statement Issue Date 1 September 2011 (Updated March 2014) Contents 1 About this document 2 How CivilCover works 2 About Hannover 3 About Coverforce

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

BANK OF MELBOURNE PACKAGE. Terms and Conditions

BANK OF MELBOURNE PACKAGE. Terms and Conditions BANK OF MELBOURNE ADVANTAGE PACKAGE. Terms and Conditions Effective Date: 16 November 2015 Parts A, B and C of this booklet comprise the terms and conditions that apply to the package. Part A Summary of

More information

American Express Accident Cash Plan

American Express Accident Cash Plan American Express Accident Cash Plan Policy Wording and Product Disclosure Statement (PDS) Index Index 1 Important information about this Policy Wording and PDS 2 2 About the Insurer and the Promoter 2

More information

Product Disclosure Statement

Product Disclosure Statement MTA Insurance Limited Equity Plus Insurance Product Disclosure Statement This document must be read in conjunction with the Application/Certificate of Insurance for MTA Equity Plus Insurance. Together

More information

Peace of mind from about the cost of a cup of coffee

Peace of mind from about the cost of a cup of coffee FUNERAL plan Product Disclosure Statement Peace of mind from about the cost of a cup of coffee Call now for a $6,000 Funeral Plan from just $3.41* a week InsuranceLine, a trading name of TAL Direct Pty

More information

MOTOR FINANCE GAP PROTECTION POLICY

MOTOR FINANCE GAP PROTECTION POLICY MOTOR FINANCE GAP PROTECTION POLICY Product Disclosure Statement and Policy Wording Version No. 2.0 Effective Date: 3 November 2011 Issued by Chubb Insurance Company of Australia ABN 69 003 710 647, ASFL

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

Westpac Protection Plans. Product Disclosure Statement and Policy Document ( PDS )

Westpac Protection Plans. Product Disclosure Statement and Policy Document ( PDS ) Westpac Protection Plans Product Disclosure Statement and Policy Document ( PDS ) Westpac Term Life Westpac Term Life as Superannuation Westpac Standalone Living Insurance Westpac Standalone Total and

More information

Bendigo Financial Planning. Financial Services Guide. 13 July 2015

Bendigo Financial Planning. Financial Services Guide. 13 July 2015 Bendigo Financial Planning. Financial Services Guide. 13 July 2015 1 Introduction This Financial Services Guide (FSG) is designed to provide you with a clear understanding of what you can expect as a customer

More information

Financial Services Guide

Financial Services Guide Financial Services Guide Virgin Money (Australia) Pty Limited ( VMA ) ABN 75 103 478 897 Authorised Representative Number 280884 & TAL Direct Pty Limited ( TAL ) ABN 39 084 666 017 Australian Financial

More information

FUNERALPLAN PRE-PAID DISCLOSURE DOCUMENT

FUNERALPLAN PRE-PAID DISCLOSURE DOCUMENT Dated 3 August 2015 FUNERALPLAN PRE-PAID DISCLOSURE DOCUMENT Incorporating Travel Protection Plan To be used in conjunction with a pre-paid funeral contract Issued by: Lifeplan Australia Friendly Society

More information

Smartsave Group Salary Continuance Policy Document

Smartsave Group Salary Continuance Policy Document MLC Group Insurance Smartsave Group Salary Continuance Policy Document Version 1: 1 April 2010 MLC Limited Registered Office: Telephone: 1800 458 038 Website: mlc.com.au ABN 90 000 000 402 105-153 Miller

More information

LIFE INSURANCE FOR GREAT AUSTRALIANS LIFE INSURANCE PLAN

LIFE INSURANCE FOR GREAT AUSTRALIANS LIFE INSURANCE PLAN LIFE INSURANCE PLAN COMBINED PRODUCT DISCLOSURE STATEMENT AND FINANCIAL SERVICES GUIDE ISSUE DATE 24 DECEMBER 2015 LIFE INSURANCE FOR GREAT AUSTRALIANS ABOUT THIS DOCUMENT This document is designed to

More information

Accidental Death Plan Combined Product Disclosure Statement and Financial Services Guide Issue date 24 December 2015

Accidental Death Plan Combined Product Disclosure Statement and Financial Services Guide Issue date 24 December 2015 Accidental Death Plan Combined Product Disclosure Statement and Financial Services Guide Issue date 24 December 2015 Protect your loved ones with an Accidental Death Plan About this document This document

More information

Seniors Funeral Insurance Plus

Seniors Funeral Insurance Plus Seniors Funeral Insurance Plus Product Disclosure Statement Issue date: 22 June 2015 The Over 50 s Insurance Specialists Seniors Funeral Insurance Plus is issued by Hannover Life Re of Australasia Ltd

More information