SuperSure Insurance Plan for Self-Managed Super Funds Supplementary Product Disclosure Statement

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1 SuperSure Insurance Plan for Self-Managed Super Funds Supplementary Product Disclosure Statement 16 February 2015 TAL Life Limited ABN , AFSL (TAL) is the issuer of this Supplementary Product Disclosure Statement (SPDS) dated 16 February 2015 which updates and modifies the information in the SuperSure Insurance Plan for Self-Managed Superannuation Funds Product Disclosure Statement (PDS) dated 3 May You must read this SPDS together with the PDS. Definitions Terms defined in the PDS have the same meaning when used in this SPDS. New name All companies in the WHK Group, including WHK Financial Planning Pty Ltd, have changed name since the date of the PDS as follows: WHK Financial Planning Pty Ltd ACN is now Crowe Horwath Financial Advice Pty Ltd ACN ; and WHK Group is now the Crowe Horwath Group. The following references made in the PDS are updated as follows: The acronym WHK is replaced by CHF; and The acronym WHK Group is replaced by CHF Group. On 6 January 2015 the Crowe Horwath Group became part of the Findex Group of companies when it was acquired by Findex Australia Pty Ltd ACN New contact details for CHF The address for CHF and its related companies (as specified on pages 3 and 13 of the PDS) are deleted and replaced by: Level 17, 181 William Street Melbourne VIC 3000 In addition, the website address for CHF (as detailed on page 13 and the back cover of the PDS) is now: Appointment of a custodian On 8 December 2014, CHF appointed Equity Trustees Limited ACN (EQT), a provider of custodial services, to hold the Policy on CHF s behalf as custodian (Custodian). Appointing the Custodian will not affect: the amount of Your insurance premium; the insurance cover available to You as trustee of a SMSF, in respect of members of Your fund, as per the terms of the Policy; or the way in which You make a claim.

2 The Custodian must only act on the instructions of CHF and CHF remains the beneficial owner of the Policy. EQT is not responsible for the issue of the PDS or of this SPDS and takes no responsibility for the accuracy or truth of any statement in the PDS or this SPDS. The diagram on page 5 of the PDS which explains how the Policy works is replaced with the following diagram: 1. How it Works Your cover is provided under a 'group' life policy with TAL, Australia's largest specialist life insurer. The Policy is held by EQT, in its capacity as custodian for Crowe Horwath Financial Advice Pty Ltd, for the benefit of the Crowe Horwath Group's SMSF clients. This is represented diagrammatically as follows: TAL Life Limited is the Insurer EQT is the Policy Owner as custodian for Crowe Horwath Financial Advice Pty Ltd Your SMSF Trustee/Member 1 Trustee/Member 2 Trustee/Member 3 Trustee/Member 4 (Insured Person) (Insured Person) (Insured Person) (Insured Person) 2

3 General information The information provided in this SPDS is general in nature and has been prepared without taking into account Your objectives, financial situation or needs. Therefore, before making a decision, You should consider the appropriateness of the product, having regard to Your objectives, financial situation or needs. The PDS and this SPDS have been prepared based on TAL's interpretation of the relevant legislation as at the date of issue. TAL may change any of the terms and conditions set out in the PDS at any time, where permitted to do so under law. Changes to PDS and SPDS As stated in the PDS, information in the PDS (and this SPDS) may change from time to time. Where changes are materially adverse, or otherwise required by law, We will replace this PDS or issue a further SPDS and give You notice as required or permitted by law. 3

4 SuperSure Insurance Plan for Self-Managed Superannuation Funds Product Disclosure Statement 3 May 2013 Product Issuer and Insurer TAL Life Limited ABN AFSL Policy Owner WHK Financial Planning Pty Ltd ABN AFSL better advice for a better life

5 The simplest way to obtain life insurance for your SMSF SuperSure understands that Australians are concerned with the amount of superannuation and providing financial security to their loved ones. Through the SuperSure Insurance Plan, you can receive death and Total and Permanent Disablement cover in many cases automatically, without medicals or time-consuming applications. Some unique features of the SuperSure Insurance Plan are: automatic death and Total and Permanent Disablement cover up to $750,000 without medicals; the ability to increase your automatic cover at significant times in your life via a simple process; competitive insurance premiums. 2

6 Important Information This Product Disclosure Statement (PDS) provides important information about the SuperSure Insurance Plan (Plan) for Self-Managed Superannuation Funds (SMSF). The Plan provides insurance for members of SMSFs who engage the services of a WHK Group firm in relation to their SMSF. WHK Group includes WHK Group Limited ABN and its related bodies corporate (as defined under the Corporations Act 2001 (Cth)). A Group Life Insurance Policy ( Policy ) for death and Total and Permanent Disablement (TPD) has been issued by TAL Life Limited ( TAL ) to WHK Financial Planning Pty Ltd ( WHK ) for the benefit of the WHK Group s SMSF clients. WHK acts as a trustee for SMSF trustee/s ( Trustees ) who receive cover under the Policy for the benefit of their SMSF Members. The premium payable by the Trustees is a life insurance premium. Trustees will be provided with a Certificate of Insurance in their name when cover commences which Trustees may provide to the SMSF Auditor for the Superannuation Fund Audit requirements. The Policy terms and conditions will be governed by the life insurance Policy issued by TAL to WHK. The Insurer is the issuer of this PDS and takes sole responsibility for its content. This PDS was prepared based on the Insurer s interpretation of the relevant legislation as at the date of issue. The Insurer may change any of the terms and conditions set out in the PDS at any time where permitted to do so under law. TAL has outsourced the administration, promotion and distribution of the Plan to a dedicated team at Prescott Securities Ltd (SuperSure Administrator). Full details of the Insurer, Policy Owner, and SuperSure Administrator of the Plan are found below: Insurer Policy Owner SuperSure Administrator TAL Life Limited ABN AFSL PO Box 142, Milsons Point NSW WHK Financial Planning Pty Ltd (part of WHK Group) ABN AFSL Level 9, 473 Bourke Street Melbourne VIC 3000 Please send all correspondence to the SuperSure Administrator. Prescott Securities Ltd (member of WHK Group) ABN AFSL Fullarton Road Eastwood SA 5063 T: E: prescottsecurities. com.au Insurance under the Plan is only available to members of an SMSF receiving the offer from a servicing WHK Group firm who make an application within Australia. It is not an offer, invitation or recommendation by the Insurer to purchase cover under the Plan in any other jurisdiction. Applications from outside Australia will not be accepted. The Insurer is also not bound to accept any application. Please note the following important terms used throughout this PDS: Plan means the SuperSure Insurance Plan for Self-Managed Superannuation Funds (SMSF); Policy means the insurance Policy issued by the Insurer; Member means the member(s) of the SMSF of which You are a Trustee or a director of a corporate Trustee; You and Your means the Trustee or a director of a SMSF who participates in the Plan for SMSFs; and We, Us, Our or the Insurer means TAL Life Limited, the product issuer and Insurer. You will see that in addition to the above, there are a number of words in this PDS which are capitalised. These words have a particular definition when used in this PDS and the definitions are found in section 17 under the Insurance Glossary on pages of this PDS. It is important that You read the definitions carefully because their meanings are relevant to the cover You will have the benefit of or Your decision to apply for and keep this product. This PDS should be read before making a decision in relation to any insurance cover. It is intended to help You decide whether the product will meet Your needs and may assist You in comparing its features with other products You may be considering. This PDS has been prepared with the intention of providing You with general information only about the product. Any financial product advice contained in this PDS is of a general nature only and has been prepared without taking into account Your objectives, financial situation or needs. Therefore, before making a decision, You should consider the appropriateness of the product, having regard to Your objectives, financial situation or needs. Information in this PDS may change from time to time. Where changes are materially adverse, or otherwise required by law, We will replace this PDS or issue a supplementary PDS and give You notice as required or permitted by law. Anyone making the PDS available to another person must provide them with the entire electronic file or printout. You can also obtain a paper copy of the PDS on request without charge by contacting Your servicing WHK Group firm or the SuperSure Administrator. We have a formal complaints procedure (see section 16 on page 13 of this PDS for more information). All parties named in the PDS have consented to be named in the form and context in which they have been named and have not withdrawn their consent prior to the issue of this PDS. This PDS is only a summary of the Policy terms. Information about death and Total and Permanent Disablement insurance cover is based on information contained in the Policy issued by Us. While every effort has been made to ensure that the contents of this PDS are consistent with the Policy, if there are any discrepancies between this PDS and the Policy, the Policy will prevail. We reserve the right to replace the Policy and to alter the terms and conditions of the Policy, including the cover and the premiums. You may request a copy of the Policy from either Your servicing WHK Group firm or the SuperSure Administrator. 3

7 Table of Contents 1. How it works 5 2. Insurance Benefits 6 3. Eligibility Criteria 6 4. Automatic Cover 6 5. Voluntary Cover 7 6. Option of an Own Occupation TPD definition 8 7. Cost of Cover 8 8. individual transfer terms transfer of other insurance into the Plan 9 9. Increasing Your cover due to a Life Event Interim Accident Cover Automatic indexation of the Sum Insured Benefits Payable Cessation of cover Reduction or cancellation of cover General Terms and Conditions Other Important information Insurance Glossary 14 4

8 1. How it works Your cover is provided under a group life policy with TAL, Australia s largest specialist life insurer, that is held by WHK Financial Planning for the benefit of the WHK Group s SMSF clients. TAL Life Limited is the Insurer WHK Financial Planning is the Policy Owner Your SMSF Trustee/Member 1 (Insured Person) Trustee/Member 2 (Insured Person) Trustee/Member 3 (Insured Person) Trustee/Member 4 (Insured Person) 5

9 SuperSure Insurance Plan exclusively for WHK 2. Insurance Benefits The Plan offers automatic and extra insurance cover for all members of SMSFs which are serviced by a WHK Group firm. The Insurance cover provided, up to the Maximum Benefit Limit under the Plan, is as follows: Type of cover Death cover (including Terminal Illness cover) providing a lump sum payment upon death (or Terminal Illness) Total and Permanent Disablement (TPD) cover providing a lump sum payment upon becoming TPD Maximum Benefit Limit Unlimited (with Terminal Illness cover of up to $3,000,000) $3,000,000 (the amount of TPD cover cannot be higher than the amount of death cover) 3. Eligibility Criteria For You to be eligible for cover under the Plan You must: be an Australian Resident ordinarily located in Australia when this PDS is issued to You; be a client of WHK Group where services by a WHK Group firm are provided to Your SMSF; be aged 15 to 64 for Automatic Cover or 15 to 69 for extra cover (TPD definitions from age 65 are limited); and at all times have sufficient funds which are available in Your SMSF to pay for the cost of the insurance. 4. Automatic Cover Automatic Cover is provided for all eligible trustees/members of a SMSF using a WHK Group firm as a provider of services to their SMSF on an automatic basis without further action from You commencing when You first meet the Eligibility Criteria under section 3 on page 6 of this PDS. It is designed to provide Members with a basic level of protection for death and TPD without the need for medicals or applications (referred to as Underwriting). Amount of Automatic Cover The amount of Automatic Cover will be based on Your age next birthday as at the day You joined the Plan according to the table below: Age next birthday $750, $750, $750, $500, $500,000 Automatic death and TPD Sum Insured All Automatic Cover decreases for ages (next birthday) 66 to 70 according to the table below: Age next birthday 66* $500,000 Automatic death and TPD Sum Insured 67* $400,000 68* $300,000 69* $200,000 70* $100,000 * TPD cover is subject to different rules (only the Activities of Daily Living (ADL) and Permanent Loss TPD definitions apply) see TPD definition in Insurance Glossary for further information. 6

10 Restrictions and Exclusions applying to Automatic Cover The following restrictions and exclusions apply to Automatic Cover: if You are At Work on the day cover commences, a Three Year Pre-existing Condition Exclusion will apply to Your Automatic Cover. This means that if Your claim was due to something You have or had in the three years prior to Automatic Cover starting, You will not be covered; if, from the commencement of Your Automatic Cover, You have been covered continuously for three years, and You were At Work on the expiry date of the three year period, the Three Year Pre-existing Condition Exclusion will expire; if You are not At Work on the expiry date, due to Illness or Injury, then the exclusion will continue to apply until You are At Work; if You are not At Work on the day that cover commences, You will have Limited Cover (You will not be covered for anything you have or had before Automatic Cover started) unless You undergo Underwriting and cover is accepted by Us in writing without Limited Cover applying; if, at the time Automatic Cover commences, You are entitled to receive either a Terminal Illness or TPD Benefit or have previously received a Terminal Illness or TPD Benefit under this Plan, or any other life insurance policy (whether issued by Us or any other life insurer), then when Automatic Cover commences under this Plan, Limited Cover applies to the Terminal Illness or TPD cover; and if the Illness or Injury which is the subject of a claim under the Plan arose out of Your intentional self-inflicted act or suicide or attempted suicide, no Benefit will be paid for death during the first 13 months from the commencement of cover or for TPD at any time. Varying Your Automatic Cover You may contact the SuperSure Administrator at any time to: apply for additional insurance cover above the Automatic Cover level (called voluntary cover discussed in section 5 on page 7 of the PDS); apply to remove the automatic Three Year Pre-existing Condition Exclusion. This is done by way of completing an application for cover and undergoing the Underwriting assessment process vary Your Automatic Cover by reducing the amount of cover or changing to death only cover; apply to consolidate all Your insurance in one place (see section 8 for individual transfer terms on page 9 of this PDS); apply to increase Your insurance due to a Life Event (see section 9 on page 9 of this PDS); or cancel Your Automatic Cover. 5. Voluntary Cover An application to vary Your cover can be made at any time by contacting Your servicing WHK Group firm or the SuperSure Administrator. Any application to increase insurance cover will be subject to Underwriting and written acceptance by Us. As part of the Underwriting requirements, You will need to provide Your health information. In assessing an application to increase insurance cover, We will consider, amongst other things, Your health condition, financial situation and occupation. These factors will help Us determine whether or not We will provide the cover You are applying for and, if so, any restrictions or insurance loadings We may apply to Your cover. If We accept Your application for voluntary cover through Underwriting without exclusions or loadings and You have existing Automatic Cover, Your Automatic Cover will change to voluntary cover, and the Three Year Pre-existing Condition Exclusion (if applicable) on Your Automatic Cover will cease to apply effective from the commencement date of the voluntary cover. Application forms If You wish to apply for death and TPD insurance cover on Your behalf, please contact Your servicing WHK Group firm or the SuperSure Administrator to obtain a Personal Statement or to arrange a tele-interview. Your answers will be assessed by Us. In some circumstances, We may require You to provide additional medical or financial information about You, or ask You to undergo medical testing. Where this is the case, You will be advised of the additional requirements. Acceptance terms of Underwritten cover Once Underwriting is completed We will notify the SuperSure Administrator of the outcome. The SuperSure Administrator will then notify You to confirm one of the following in relation to the cover You applied for: Your insurance cover has been accepted without any special conditions; a loading has been applied to Your cover in which case You will need to provide Your written acceptance of the loading; an exclusion has been applied to Your cover in which case You will need to provide Your written acceptance of the exclusion; or We have declined the application. Exclusions applying to Voluntary Cover No payments will be made under Voluntary Cover if the event giving rise to the claim is caused directly or indirectly by an intentional, self-inflicted act or suicide or attempted suicide (whether sane or not at the time): within 13 months of the commencement or reinstatement of the voluntary cover for death and Terminal Illness claims; at any time for TPD claims. 7

11 6. Option of an Own Occupation TPD definition If You have cover for TPD, You may be able to apply to vary Your applicable TPD definitions to an Own Occupation TPD definition (please see the TPD definition in the Insurance Glossary on pages of this PDS). This is at an additional cost. Please contact Your servicing WHK Group firm or the SuperSure Administrator to obtain the change of TPD definition form. This form will be assessed by Us, and in some circumstances, We may require You to complete a Personal Statement. If We accept Your application to vary Your TPD definition, We will notify the SuperSure Administrator of the outcome. However, please note that after You turn age 65, only the Activities of Daily Living (ADL) and Permanent Loss TPD definitions will apply. If information regarding Your Occupational Classification and/or smoking status are not available to the SuperSure Administrator on commencement of Automatic Cover, it will be assumed that the Occupational Classification of Heavy Blue, and smoker status, applies. It is Your responsibility to update Your servicing WHK Group firm or the SuperSure Administrator of Your current Employment and smoker classification at any time by completing the relevant form. Your insurance premium will change each year as at the Renewal Date, based on Your age at that date. Loadings (additional insurance costs) may apply to You depending on Your personal circumstances. You will be advised of any additional loadings by Us at the time of application for voluntary cover or transfer of cover. When You are provided with a Certificate of Insurance, You should read it carefully. The Certificate of Insurance will show You the first year s premium amount or the first instalment premium amount. The premium amount will also include any extra amounts charged to You when We accepted Your application or reinstated Your cover. We recommend You contact Your financial adviser to obtain an accurate quotation for Your circumstances. 7. Cost of Cover Your insurance premium represents the applicable cost of Your insurance cover, the amount of which will appear on the Certificate of Insurance issued to You by the SuperSure Administrator. The insurance premium will be deducted by the SuperSure Administrator on WHK s behalf directly from Your SMSF nominated account, or an alternative SMSF account specified to the SuperSure Administrator by You, at the end of each month. Your insurance premium of cover depends on a range of factors, including: premium rates; the type of cover (i.e. death only or death and TPD); the amount of cover; Your age and gender; whether or not You smoke; whether You are paying the insurance premiums monthly in arrears or annually in advance; government duties and charges; Your Occupational Classification; and the relevant TPD definition. If You have Automatic Cover and You provide written notification that You wish to cease Your Automatic Cover to the SuperSure Administrator within 30 days of the Automatic Cover commencing, the cover will cease effective from the cover commencement date and no premiums will be charged. All premiums are payable by You monthly in arrears or annually in advance, by the due date shown on Your Certificate of Insurance (unless otherwise advised). If You choose to pay annually in advance, rather than monthly in arrears, a discount of 2.9 per cent will apply to the applicable insurance premiums. For subsequent years, the SuperSure Administrator will advise You of Your new premium before each Renewal Date. Variations in the cost of cover We may vary the premium rates at any time. If We increase the premium rates, You will be given 30 days prior notice of the increase. 8

12 8. Individual transfer terms transfer of other insurance into the Plan Individual transfer terms are the ability to increase Your cover by consolidating cover You have elsewhere without the need for full medical Underwriting. You may apply to transfer Your insurance cover from within another superannuation fund or that is with another insurer (separate to the Plan) into the Plan via a simplified application process by completing the SuperSure Transfer Form. To be eligible to transfer Your existing cover into the Plan at the date of Our acceptance of the transfer: You must be under age 60; a maximum level of transferred cover of $1,500,000 for death only or death and TPD; total cover after the transfer cannot be greater than $3,000,000 for death only or death and TPD; the same or equivalent insurance loadings, restrictions, exclusions and limitations that applied under the previous insurance policy for Your other insurance, as agreed by Us; the terms and conditions set by Us for Your cover transferred to the Plan (refer to the insurance transfer form) will apply; You must not be engaged in a Hazardous Occupation; You must be At Work and be not prevented by Illness or Injury to perform all of the duties of Your usual occupation on a full-time basis (for at least 30 hours per week) even if Your actual Employment may be full-time, part-time or casual; You must not have been diagnosed with, or must not suffer from, an Illness that may cause a Terminal Illness or permanent inability to work; You must not have had an application for death, total and permanent disablement or income protection cover declined or offered on alternate terms; and not have previously been paid, are not eligible to be paid, have not claimed, and are not eligible to claim or in the process of claiming, for an Illness or Injury through the Plan, Workers Compensation, other Government benefits (including sickness benefits and invalid pensions) or any insurance policy providing total and permanent disablement, income protection, accident or sickness cover. The transfer of Your existing insurance is subject to acceptance by Us and the following requirements must be met in addition to the eligibility requirements under section 3 on page 6 of this PDS: You must cancel their non-supersure insurance immediately after the date of acceptance of the transfer; You cannot exercise any continuation option or reinstate any cover under the insurance policy for their non- SuperSure insurance; You cannot transfer any of Your non-supersure insurance to any superannuation fund or individual insurer other than SuperSure; Your acceptance of all other conditions of cover required by Us; and transferred cover is subject to acceptance by Us. 9. Increasing Your cover due to a Life Event Life Events cover gives You the option to increase Your cover if: You marry; Your child is born; You adopt a child; Your child starts secondary school; or You take out a new mortgage to purchase Your primary residence, or increase an existing mortgage to renovate Your primary residence; without the need for full medical Underwriting. You may apply within 60 days after the occurrence of a Life Event to increase Your existing death only or death and TPD cover via a simplified application process by completing the SuperSure Life Events Insurance Application form. Any increase is subject to acceptance by Us and to be eligible to apply for an increase in cover due to a Life Event, You must, at the date of Our acceptance of the increase: be under age 60; apply for a maximum increase that will be the lesser of 25% of the Sum Insured and $200,000; not be working in a Hazardous Occupation; not have been accepted for a Life Event insurance increase (whether for the same type of Life Event or not) in the 12 months prior to the acceptance date; be At Work and not prevented by Illness or Injury from performing all of the duties of Your usual occupation on a full-time basis (for at least 30 hours per week) even if Your actual Employment may be full-time, part-time or casual; not have been diagnosed with, or do not suffer from, an Illness that may cause a Terminal Illness or permanent inability to work; not have had an application for death, total and permanent disablement or income protection cover declined or offered on alternate terms; and not have previously been paid, are not eligible to be paid, have not claimed, and are not eligible to claim or in the process of claiming, for an Illness or Injury through the Plan, Workers Compensation, other Government benefits (such as sickness benefits, and, but not restricted to invalid pensions) or any insurance policy providing total and permanent disablement, income protection, accident or sickness cover (whether with Us or any other life insurer). 9

13 10. Interim Accident Cover If You apply for voluntary cover or an increase to Your existing insurance cover (other than through Life Events or individual transfer terms), You may be entitled to Interim Accident Cover for the type and amount of cover You have applied for, subject to the terms and conditions of the Policy. You may be entitled to a Benefit upon death or TPD, if such event: is caused solely and directly by an Accident, and independently of any other cause; and occurs within 365 days of the Accident. Commencement of Interim Accident Cover If You are eligible, Interim Accident Cover commences from the date Your fully completed insurance application and Member s Personal Statement form are received by Us. Amount of Interim Accident Cover For death and TPD cover, the amount of cover provided under the Interim Accident Cover is the lesser of: the amount applied for; and $750,000 less any existing cover under the Policy. Exclusions that apply to Interim Accident Cover Interim Accident Cover is not payable for death or TPD if: the claim is due to a Pre-existing Condition; the claim is due to any event or condition We would have excluded or placed a limitation on the cover being applied for had full Underwriting been completed; We would have declined Your application for cover had full Underwriting been completed; the claim arose out of Your intentional self-inflicted act, suicide or attempted suicide; or You failed to comply with Your disclosure obligations when applying for cover. Cessation of Interim Accident Cover The Interim Accident Cover ceases on the earliest of: 90 days from the date We receive Your fully completed Personal Statement; the date that We accept or decline Your application; the date of Your written acceptance of Our conditional offer for Your cover; the earlier of the date the SuperSure Administrator or Us receives Your written notification withdrawing Your application; the termination of all cover(s) under the Policy; the date Your Interim Accident Cover has ceased; or the date You cease to be an Eligible Person. 11. Automatic indexation of the Sum Insured To ensure Your level of cover remains in line with inflation, Your Sum Insured will be automatically increased each Renewal Date by five per cent or by the percentage increase of the Consumer Price Index (CPI) whichever is less and premiums will increase accordingly. 12. Benefits Payable Any Benefit payable whilst You are covered will be subject to the terms and conditions of the Policy. The amount payable will be the lesser of: Automatic Cover plus any voluntary cover; and the Maximum Benefit Limit (see section 2 Insured Benefits on page 6 of this PDS). Payment of a death Benefit If You die while covered under the Policy, We will pay Your Sum Insured for death calculated as at the date of Your death. When We become liable to pay a death Benefit, all cover ceases. Payment of a Terminal Illness Benefit If You become Terminally Ill while covered under the Policy, We will pay a Terminal Illness Benefit equal to the amount of death cover, subject to the Maximum Benefit Limit, applicable at the date You are certified as suffering from a Terminal Illness. When We become liable to pay a Terminal Illness Benefit, all cover ceases if Your Terminal Illness Benefit is equal to the amount of death cover. If the amount of death cover exceeds Your Terminal Illness cover, the difference will continue as death only cover provided You continue to pay Your premiums and meet the other terms and conditions of the Policy. Payment of a TPD Benefit If You become TPD while covered under the Policy, We will pay You the Sum Insured for TPD calculated as at the Date of Disablement. When We become liable to pay a TPD Benefit: all cover ceases if TPD cover is equal to Your death cover; or if the amount of death cover exceeds Your TPD cover, the difference will continue as death only cover provided You continue to pay Your premiums and meet the other terms and conditions of the Policy. 10

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