Zurich Life Risk Guide to Wealth Protection products

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1 Product Summary Issued 1 March 2015 Zurich Life Risk Guide to Wealth Protection products Adviser use only

2 Income products Product description Ownership Zurich Income Replacement Pays an income benefit after the expiry of the waiting period while the insured is disabled and suffers a loss of income due to that disability. Individual, business, SMSF/external trustee, platform we have agreement with Zurich Superannuation Income Replacement Insurance cover through membership in the Zurich Master Superannuation Fund. Pays an income benefit after the expiry of the waiting period while the insured is disabled and suffers a loss of income due to that disability. Zurich Master Superannuation Fund Trustee Entry ages 19 to 59 (working a minimum of 26 hours per week) 19 to 59 (working a minimum of 26 hours per week) Yearly renewable to: Up to age 70 depending on benefit period chosen Up to age 70 depending on benefit period chosen Indexation Actual CPI Actual CPI Benefit period Waiting periods 1, 2 or 5 years or to 55, 60, 65 or 70* * A occupations only (Split periods are available) 14, 30, 60, 90, 180 days 1 or 2 years 1, 2 or 5 years or to 55, 60, 65 or 70* * A occupations only (Split periods are available) 14, 30, 60, 90, 180 days 1 or 2 years Cover (per life insured) $1,500 (minimum per month) $1,500 (minimum per month) In-built benefits Optional benefits Benefits provided under all three levels of cover (standard/comprehensive/premier): Income benefit (agreed value) Income benefit (indemnity) Specified injury benefit Rehabilitation benefit Funeral benefit Flexible cover benefit Waiver of premium Recurrent disability Concurrent disability Additional benefits provided under comprehensive and premier cover only: Confined to bed benefit Special care benefit Additional benefits provided under premier cover only: Family support benefit Trauma benefit Increasing claims option Super contributions option Business expenses option Lump sum accident option Day 4 accident option Trauma option option (comprehensive) Booster option Family care option Severe disability option Needlestick cover option Home support option Benefits provided under both levels of cover (standard/comprehensive): Income benefit (indemnity) Funeral benefit Waiver of premium Conversion of cover to non-superannuation Recurrent disability Concurrent disability Premium holiday Additional benefits provided under comprehensive cover only: Confined to bed benefit The premier level of cover is only available where tailored super structuring is selected Increasing claims option Super contributions option Day 4 accident option option (comprehensive) Booster option Severe disability option Premium structure Minimum premium (per life insured) Management fee Choice of stepped or level $200 p.a. (excludes management fee) $89.70 per year, indexes each 1 March with CPI not available to SR occupations # not available under platform Page 2 of 6

3 Zurich Protection Plus Death cover Pays a lump sum benefit on the death of the insured. Individual, business, SMSF/ external trustee, platform we have agreement with Zurich Protection Plus TPD cover Lump sum products Pays a lump sum on the total and permanent disablement of the insured. Individual, business, SMSF/ external trustee, platform we have agreement with 10 to to to if taken on its own, or with Death cover (limited conditions apply after age 64) 65 if taken with Extended trauma Zurich Protection Plus Trauma cover Pays a lump sum if the insured suffers a specified Trauma condition. Basic or Extended trauma is available. Not available in super. Individual, business, non-super platform we have agreement with 99 if Extended trauma is taken with Death cover (limited conditions apply after age 75) 75 in all other instances Zurich Superannuation Term Life Plus Insurance cover through membership in the Zurich Master Superannuation Fund. Pays a lump sum on the death or TPD of the insured (depending on the cover chosen). Zurich Master Superannuation Fund Trustee Term: 15 to 69 TPD: 19 to or earlier cessation of membership of the Fund (limited conditions apply to TPD after age 64) Higher of 5% and CPI Higher of 5% and CPI Higher of 5% and CPI Higher of 5% and CPI N/A N/A N/A N/A N/A N/A N/A N/A $50,000 minimum $50,000 $5m $50,000 $2m Death: $50,000 minimum TPD: $50,000 $5m Death benefit Terminal illness benefit Accidental injury benefit Advancement for funeral expenses Buy back death benefit (TPD) Buy back death benefit (Trauma) business benefit TPD benefit ( own ) TPD benefit ( any ) Partial TPD benefit Trauma benefit (12 or 42 conditions) Funeral benefit $5,000 (only if no Death cover) Partial trauma benefit (Extended only: 11 conditions) Paralysis booster benefit With Death cover: Death benefit Terminal illness benefit Accidental injury benefit Advancement for funeral expenses Buy back death benefit (TPD) With TPD cover: TPD benefit ( any ) Premium freeze Premium freeze Premium freeze In-built provisions which apply to all: Premium holiday Conversion of cover to non-superannuation Double TPD option Buy back TPD option Available under Extended trauma: Trauma reinstatement option Double trauma option Top-up option Double TPD option Living activities TPD option Needlestick cover option Insured child option Living activities TPD option Needlestick cover option Insured child option Living activities TPD option Needlestick cover option Insured child option Accelerated buy back death option Choice of stepped or level $160 p.a. (excludes management fee) $89.70 per year, indexes each 1 March with CPI = available under non-super ownership = available under super ownership (additional conditions may apply) Page 3 of 6

4 Mandatory financial underwriting requirements Financial requirements are based on the total cover held with Zurich and any other insurer for all types of cover applied for. DEATH, TPD and TRAUMA Death and TPD Sum insured Personal cover Business cover up to $3,000,000 Trauma Sum insured Personal cover Business cover up to $1,500,000 $3,000,001 $6,000,000 $6,000,001 + Last 2 years PITRs and BETRs Last 2 years PITRs and BETRs Last 2 years business financial statements Last 2 years business financial statements $1,500,001 $2,000,000 Last 2 years PITRs and BETRs Last 2 years business financial statements (Note that business financials only required if applicable) INCOME REPLACEMENT Mandatory financial evidence is required for agreed value policies when the monthly benefit applied for, or total cover held with Zurich and any other insurer, would be equal to or greater than: Agreed Value Occupation Class Monthly benefit Income equivalent Indemnity Income replacement/business expenses Monthly benefit A1/A1M $15,001 $240,000+ up to $20,000 Nil A2 $12,001 $192,000+ A3 $8,001 $128,000+ $20,001+ Refer to below tables for requirements B1/B2 $6,251 $100,000+ B3 $5,001 $80,000+ SR $4,001 $64,000+ Financial requirements for employees up to $20,000 per month We require any one of the following: Most recent individual tax return Most recent PAYG Summary or Group Certificate Letter from employer confirming employment status, clearly stating the remuneration package including details of salary/wage, superannuation and other benefits Most recent 2 payslips (showing at a minimum the year-to-date salary) $20,001 + per month We require any one of the following: Individual tax returns for the past two years PAYG Summaries or Group Certificates for the past two years Letter from employer confirming employment status, clearly stating the remuneration package including details of salary/wage, superannuation and other benefits Financial requirements for self-employed persons Sole-Trader Partnership Individual tax returns for the past two years Individual tax returns for the past two years Partnership tax returns and financial statements for the past two years Employee/Owner/Director of Own Company/Trust Individual tax returns for the past two years Company tax returns and financial statements for the past two years Financials will be required for all entities which the client has an ownership interest in. Financials are not required for indemnity sums insured up to $20,000 per month. Page 4 of 6

5 Mandatory medical underwriting requirements DEATH & TPD Death & TPD Age next birthday Up to up to $350,000 $350,001 $500,000 $500,001 $750,000 $750,001 $1,000,000 $1,000,001 $1,500,000 $1,500,001 $2,500,000 $2,500,001 $5,000,000 $5,000,001 $10,000,000 $10,000,001 + TRAUMA Trauma Age next birthday Up to up to $500,000 $500,001 $1,000,000 $1,000,001 $1,500,000 $1,500,001 $2,000,000 * To be completed by GP or specialist. ^ Medical examination to include a breast examination for female applicants For a full list of acronyms please refer to our Adviser Guide. PSA (males) Page 5 of 6

6 INCOME REPLACEMENT When applying for Business expenses, medical requirements should be based on 50% of the Business expense monthly benefit Income replacement/business expenses (monthly benefit) Age next birthday Up to up to $10,000 $10,001 $15,000 $15,001 $20,000 $20,001 $40,000 $40,001 + Sum insured discounts Death and TPD Trauma Income replacement Discount Discount Insured monthly benefit Discount $250,000 $499,999 11% $500,000 $749,999 21% $750,000 $999,999 22% $1,000,000 $1,999,999 27% $2,000, % $100,000 $149,999 3% $150,000 $249,999 16% $250,000 $349,999 24% $350,000 $499, % $500,000 $749,999 29% $750,000 $999,999 32% $1,000, % $0 $2, % $2,500 $3, % $3,500 $4,999 5% $5,000 $7,499 8% $7,500 $9,999 12% $10,000 $14,999 14% $15, % Your support team Claims Underwriting Adviser services Website For all stationery orders, including PDSs, forms and marketing material, submit orders or download documents via the Adviser Assist website. Important information This publication is dated 1 March 2015 and is of a general nature and does not take into account any personal objectives, situation or needs. This information is a summary for financial advisers only and there are relevant exclusions and conditions that you should consider before making a decision or recommendation about the product. You should refer to the Zurich Wealth Protection Product Disclosure Statement (PDS) (available on or calling us on ) for further information or to apply for any of the products in the PDS. Zurich Australia Limited ABN AFSLN and Zurich Australian Superannuation Pty Limited ABN AFSLN are the issuers of Zurich Wealth Protection. Zurich Australia Limited ABN , AFSLN Zurich Australian Superannuation Pty Limited ABN , AFSLN Blue Street North Sydney NSW 2060 Client enquiries Telephone: ZU V10 02/15 - NGAL

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