# The level of Death and TPD insurance members receive when they join Triple S is as follows:

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2 > 2 Tim is currently 34 years old. When he became a member of Triple S, he automatically received two units of Standard Death and TPD Insurance but, in order to cover his mortgage and other commitments, he chose to apply for another two units. At a cost of \$3.00 per week, Tim has four units of Standard cover valued at \$300,000. Tim must remember that, when he turns 35, the value of his four units of Standard cover will reduce to \$288,000. Standard Cover One Unit (\$) One Unit (\$) Up to 34 75, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , not offered Standard cover The value, or worth, of a unit of Standard cover is linked to your age. Once you reach age 35, the value of a Standard unit gradually decreases each year. For example, if you are aged 34, one unit is worth \$75,000, but at age 45, one Standard unit is worth \$42,000. Standard Death Only Cover One unit (\$) One Unit (\$) Up to 34 75, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , not offered Cost of Standard cover Standard Death and TPD Insurance costs 75 cents per unit per week. Therefore, two units of Standard Death and TPD Insurance will cost \$1.50 per week and so forth. Standard Death Only Insurance costs 50 cents per unit per week. Therefore, two units of Standard Death Only Insurance will cost \$1.00 per week and so forth.

5 > 5 Cost of Fixed cover This depends on your age when you bought units. For members who already have Fixed cover the cost remains the same regardless of age. Fixed cover Members are no longer able to apply for Fixed units of cover. However, members who already have Fixed cover prior to the cessation of this offering on 13 November 2014 retain their current level of cover. Members with Fixed insurance can only increase their level of cover by opting out of Fixed insurance and switching to Standard cover. Members with Fixed Insurance also have the option of reducing their level of Fixed cover. You cannot mix units of Standard and Fixed cover at the same time. Members should be aware that unlike Fixed cover, the value of Standard cover decreases over time. Members with Fixed cover who wish to change their level of cover must use the Triple S Changes to Fixed Insurance form which is available to download from the website. Fixed Death and TPD Cover (\$75,000 per unit) Age unit(s) purchased 20 & under not offered Fixed Cover Death only (\$75,000 per unit) Age unit (s) purchased 20 & under not offered

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