Retail insurance through the Annex IOOF Pursuit platform

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Retail insurance through the Annex IOOF Pursuit platform"

Transcription

1 your investment & insurance needs Financial adviser use only November 2013 Retail insurance through the Annex IOOF Pursuit platform In or out, it s up to you Life insurance is about protecting the things that matter most to your clients. It's about providing them with the peace of mind that their family will be able to financially survive an unexpected death, illness or injury. We have partnered with TAL to offer you a comprehensive insurance offering on our Annex IOOF Pursuit Platform to ensure you can find the level of insurance that suits your clients. Pursuit members have access to TAL s Retail Product Accelerated Protection as well as the current Pursuit insurance offering. This will provide Pursuit members with a comprehensive range of insurance options to choose from. Regardless of which insurance offer members apply for, administration and payment will be managed through their Pursuit cash account. Why TAL? TAL is a leading life insurance specialist in Australia, protecting the lives of more than 2.5 million Australians. With over 130 years of experience and in-force premiums exceeding $1.2 billion, they are well placed to respond to the needs of your clients. The Pursuit insurance offering is extremely flexible. Members can retain the tax advantages and administrative ease of cover inside super while adding extra benefits outside super. For example, they're able to add critical illness and business expense insurance outside super while keeping their life cover within their super account. 1

2 Product overview Annex IOOF s comprehensive insurance offer provides the flexibility to manage your client s insurance needs; with award winning products available both in super, out of super or a mixture of both. Insurance through Pursuit Term Group policies Accelerated Protection superannuation Accelerated Protection IDPS Type of cover Death Life (death) Life (death) Total & Permanent Disablement (TPD) attached to death cover Income protection (IP) TPD attached to Life IP (Standard) TPD Critical Illness (CI) Insurance IP (Premier, Standard, Optimal) Business Expense Insurance Ownership IOOF Investment Management Limited (IIML) IOOF Investment Management Limited (IIML) Life Insured/Company/Trustee/ Joint/SMSF Minimum premium None $220pa per policy $220pa per policy Commission* Level only, paid monthly Online commission rates Online commission rates up to 33% Upfront: 115%/10% Upfront: 115%/10% Hybrid 1: 85%/20% Hybrid 1: 85%/20% Hybrid 2: 70%/25% Hybrid 2: 70%/25% Level: 37%/32% Level: 37%/32% Renewability Guaranteed renewable Guaranteed renewable Guaranteed renewable Regardless of which insurance offer you choose, administration and payment will be managed through your client s Pursuit cash account. Annual statements and consolidated reporting will keep you up to date on your client s investment and insurance portfolio. Life (Death) overview Insurance through Pursuit Term Group policy Accelerated Protection superannuation Max entry age 70 next birthday Stepped premium 75 next birthday Level premium 60 next birthday Accelerated Protection IDPS Stepped premium 75 next birthday Level premium 60 next birthday Max benefit Death unlimited Any financially justifiable amount Any financially justifiable amount Terminal illness $5m Benefit expiry age Death and terminal illness age next birthday** 100 next birthday** Premium type Stepped Stepped/Level Stepped/Level Included benefits Death benefit Terminal illness benefit Death benefit Terminal illness benefit As per Accelerated Protection in superannuation plus: Ability to transfer in cover Advanced payment benefit Financial planning benefit Ability to increase cover for certain life events Repatriation benefit Inflation protection benefit Accommodation benefit Grief counseling benefit Premium freeze benefit Child s critical illness benefit Guaranteed future insurability benefit Self Managed Super Fund benefit * Any of the above commissions may be paid where permitted by law. ** See Accelerated Protection Product Disclosure Statement 2

3 Annex IOOF Pursuit Retail insurance through the Pursuit platform TPD overview Insurance through Pursuit Term Group policy Accelerated Protection superannuation Max entry age 70 next birthday Stepped premium 62 next birthday Level premium 60 next birthday Accelerated Protection IDPS Stepped premium 62 next birthday Level premium 60 next birthday TPD definitions Any occupation Any occupation Any occupation Loss of limbs Own occupation Own occupation Whole person impairment Activities of daily living (ADL) Activities of daily living (ADL) Activities of daily living (ADL) Superlink Superlink Domestic duties Max benefit $5m $5m* $5m* Benefit expiry age Age 75 Age 75 TPD stand-alone anniversary prior to 65th birthday TPD attached/linked anniversary prior to 100th birthday TPD rider to CI anniversary prior to 65th birthday Premium type Stepped Stepped/Level* Stepped/Level* Included benefits TPD benefit Ability to transfer in cover Ability to increase cover for certain life events TPD benefit Terminal illness benefit Advanced payment benefit Repatriation benefit As per Accelerated Protection in superannuation plus additional benefits: Financial planning benefit Accommodation benefit Inflation protection benefit Grief counseling benefit Premium freeze benefit Child s critical illness benefit Guaranteed future insurability benefit Optional benefits N/A Premium relief option Death buy back option As per Accelerated Protection in superannuation plus additional benefits: Double TPD Business insurance option * See Accelerated Protection Product Disclosure Statement 3

4 Income protection overview Insurance through Pursuit Term Group policy Accelerated Protection superannuation Max entry age 65 next birthday Stepped premium: up to 60 next birthday* Level premium: 55 next birthday* Accelerated Protection IDPS Stepped premium: up to 64 next birthday* Level premium: up to 55 next birthday* IP optimal: up to 64 next birthday* Max benefit 75% of earnings plus up to 10% super, up to $30K per month $30K long term benefit $60K short term benefit $30K long term benefit $60K short term benefit Benefit expiry age Age next birthday IP standard and premier: For benefit periods 1/2/5 years and to age 65 anniversary prior to 65th birthday. For benefit period to age 70 anniversary prior to 70th birthday IP optimal: anniversary prior to 70th birthday Premium type Stepped Stepped/Level IP standard/premier: Stepped/Level IP optimal: Stepped only Waiting periods 30, 60 or 90 days 2, 4, 8, 13, 26, 52 and 104 weeks 2, 4, 8, 13, 26, 52 and 104 weeks Benefit periods 2 years, 5 years or to age 65 1 year, 2 years, 5 years or to age 65 1 year, 2 years, 5 years, to age 65 or to age 70 Indemnity/ agree value Indemnity Agreed Indemnity Agreed Indemnity Included benefits Total and partial disability benefit Recurrent disability benefit Waiver of premium benefit Total and partial disability benefit Recurrent disability benefit Waiver of premium benefit As per Accelerated Protection in superannuation benefits plus 14 additional benefits* Benefit indexation Inflation protection benefit Death benefit (while on claim) Death benefit Rehabilitation benefit Concurrent disability benefit Ability to transfer in cover Elective surgery benefit Ability to increase cover for certain life events Ability to increase IP cover due to salary increase Extended care benefit Bed confinement benefit Family support benefit Housekeeper benefit Optional benefits Superannuation contributions benefit Increasing claims option Accident benefit option As per Accelerated Protection in superannuation benefits plus: Retirement protection option Disability plus option Critical illness option Mental health discount option * See Accelerated Protection Product Disclosure Statement 4

5 Annex IOOF Pursuit Retail insurance through the Pursuit platform How does it work? Group policy Step 1 Your client applies for a superannuation account. Step 2 Get group life and income protection quote using the online quote tool. Step 3 Apply for insurance using online underwriting system, UWPlus. Accelerated Protection Step 1 Your client applies for an investment or superannuation account. Step 2 Use Accelerated Protection s online quote and application system and select: Platform Super Fund trustee as owner for superannuation policies Life Insured as owner for ordinary policies. Step 3 During the application process in the payment details, add your client s account name and number. Your client s premiums will be automatically debited from your client s account. You will have access to all of your client s reporting in the one place. 5

6 How to transition an individual client with no TAL retail insurance to Accelerated Protection via Pursuit? Accelerated Protection transfer terms apply. Use the Accelerated Protection transfer application form if underwritten within the last five years. Otherwise, full application is required. Original policy New policy Form used Commission available External retail (funded via platform) or group Accelerated Protection Short transfer application form Level only External retail (funded via platform) or group Accelerated Protection Full Accelerated Protection application form Upfront & Hybrid 1 (2 year Responsibility Period (RP)) Hybrid 2 & Level External retail non platform Accelerated Protection Full Accelerated Protection application form only short form not available. Upfront & Hybrid 1 (2 year RP) Hybrid 2 & Level Eligibility Term TPD Critical illness Income protection Business expenses Maximum entry age 60 next birthday 60 next birthday 60 next birthday 55 next birthday 55 next birthday Maximum sum insured $3m $2m $1.5m $15K monthly benefit (inclusive of Retirement Protection Option & Disability Plus Option) $15K monthly benefit Last underwritten 5 Years 5 Years 5 Years 5 Years 5 Years Maximum sub-standard terms considered* 100% loading To age % loading To age % loading 50% loading 50% loading Age 56 to 60 standard rates only Age 56 to 60 standard rates only * For medical sub-standard terms, in addition to the medical loading, we will consider additional loadings/exclusions for non-medical risks. A medical exclusion equates to +50% loading. Can an existing group policy be transferred to TAL s group policy? Individual basis use current IOOF Insurance Transfer Form. Bulk transfer available, subject to prior agreement with TAL. 6

7 Annex IOOF Pursuit Retail insurance through the Pursuit platform Can cover from a group policy (either external or within TAL) be transferred to a TAL retail policy via Pursuit? Accelerated Protection transfer terms apply. Use the Accelerated Protection transfer application form if underwritten within the last five years. Otherwise, full application is required. Original policy New policy Form used Commission available TAL Group Accelerated Protection TAL Group Accelerated Protection Full Accelerated Protection application form Short transfer application form Level only Level only Eligibility Term TPD Critical illness Income protection Business expenses Maximum entry age 60 next birthday 60 next birthday 60 next birthday 55 next birthday 55 next birthday Maximum sum insured $3m $2m $1.5m $15K monthly benefit (inclusive of Retirement Protection Option & Disability Plus Option) $15K monthly benefit Last underwritten 5 Years 5 Years 5 Years 5 Years 5 Years Maximum sub-standard terms considered* 100% loading To age % loading To age % loading 50% loading 50% loading Age 56 to 60 standard rates only Age 56 to 60 standard rates only * For medical sub-standard terms, in addition to the medical loading, we will consider additional loadings/exclusions for non-medical risks. A medical exclusion equates to +50% loading. How to apply for Accelerated Protection direct to TAL or via Portfolio Online? Advisers can access the Accelerated Protection online application in two ways: 1 POL will have a link that simply redirects them to the TAL Adviser Centre. 2 Directly via the TAL Adviser Centre. Can you see online whether an Accelerated Protection application has been accepted? All applications go through TAL and information is accessible through the TAL Adviser Centre. 7

8 Annex IOOF Pursuit Retail insurance through the Pursuit platform Who to contact to find out more? Contact TAL for all your Accelerated Protection queries including: registering for Accelerated Protection help with the insurance application process insurance product features (including commissions) insurance processes and procedures Accelerated Protection underwriting assessments. Contact IOOF for all your Pursuit Platform needs including: registering for Pursuit consolidated reporting where to find Accelerated Protection on the Platform group life and income protection offering. TAL (Accelerated Protection) Adviser Service Centre Monday to Friday 8.00am 7.00pm (AEST) E F GPO Box 5380 Sydney NSW IOOF (Pursuit or Group Life and Income Protection) Adviser Services Monday to Friday 8.00am 6.00pm (AEST) E F GPO Box 264 Melbourne VIC This document is for financial adviser use only it is not to be distributed to clients. Issued by IOOF Investment Management Limited (IIML) ABN , AFS Licence No IIML s contact details can be found on their web site ( IIML is a company within the IOOF Group of companies (IOOF Group) which consists of IOOF Holdings Limited (ABN ) and its related bodies corporate. IIML is the Trustee of the IOOF Portfolio Service Superannuation Fund ABN and the Service Operator of the Pursuit Select Investment Service. Pursuit Select Personal Superannuation, Pursuit Select Allocated Pension, IOOF Portfolio Service Employer Superannuation and IOOF Portfolio Service Corporate Superannuation are all products within the IOOF Portfolio Service Superannuation Fund (ABN ). The information presented in this document is believed to be correct at the time of publication, however to the extent permitted by law, no liability is accepted for any loss or damage as a result of any reliance on the information it contains. Insurer: TAL Life Limited (TAL) ABN AFSL Before making any decision about Accelerated Protection, advisers and their clients should consider the Accelerated Protection Product Disclosure Statements and/or Policy Documents. If there is any inconsistency between this document and the Product Disclosure Statement or Policy Document, the terms of the Policy Document will prevail to the extent of the inconsistency. Neither IIML nor TAL are registered tax agents. PLA

sgard s choice of insurance options comparison guide

sgard s choice of insurance options comparison guide sgard s choice of insurance options comparison guide Page 1 Policy comparison for insurance through Asgard super accounts Page 2 Life/Total & Permanent Disablement (TPD) comparison Page 6 Income Protection/Salary

More information

Zurich Life Risk Guide to Wealth Protection products

Zurich Life Risk Guide to Wealth Protection products Product Summary Issued 1 March 2015 Zurich Life Risk Guide to Wealth Protection products Adviser use only Income products Product description Ownership Zurich Income Replacement Pays an income benefit

More information

Personal super insurance changes Adviser Q&A

Personal super insurance changes Adviser Q&A Personal super insurance changes Adviser Q&A What is happening? During 2010/2011, IOOF negotiated new insurance terms and conditions with the Insurer of the IOOF Portfolio Service Superannuation Fund,

More information

dependab e IMAGE AREA

dependab e IMAGE AREA AMP Elevate insurance Product Disclosure Statement Issue Number 14, 19 May 2014 insurance that s dependab e IMAGE AREA because life is unpredictable Life Insurance Life Insurance Superannuation Life Insurance

More information

Priority Protection. Product Disclosure Statement Version 13, Date Prepared 1 March 2014. Life s better with the right partner

Priority Protection. Product Disclosure Statement Version 13, Date Prepared 1 March 2014. Life s better with the right partner Priority Product Disclosure Statement Version 1, Date Prepared 1 March 2014 Life s better with the right partner Important Notes This Product Disclosure Statement ( PDS ) describes the main features of

More information

Priority Protection for Platform Investors

Priority Protection for Platform Investors Priority Protection for Platform Investors Product Disclosure Statement Version 12, Issued 8 June 2013 aia.com.au Life s better with the right partner Who issues Priority Protection for Platform Investors?

More information

Zurich Life Risk Zurich Income Replacement

Zurich Life Risk Zurich Income Replacement Product Summary Issued 1 March 2015 Zurich Life Risk Zurich Income Replacement Adviser use only Summary These tables outline the in-built benefits, optional extras and product parameters for Zurich Income

More information

CommInsure Protection

CommInsure Protection CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Issue date: 11 May 2014 Product Disclosure Statement This Product Disclosure Statement (PDS) is issued by the insurer, The Colonial

More information

Professional Insurance Portfolio

Professional Insurance Portfolio Product Disclosure Statement Please read this Product Disclosure Statement carefully. It contains important information about the above product. Version 9 Issued 6 June 2014 Professional Insurance Portfolio

More information

Zurich Wealth Protection

Zurich Wealth Protection Issue Date: 21 December 2015 Zurich Wealth Protection Product Disclosure Statement including policy conditions This PDS, prepared on 25 November 2015, is provided in two parts: Part 1 Policy information

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

Priority Protection for Platform Investors Supplementary Product Disclosure Statement

Priority Protection for Platform Investors Supplementary Product Disclosure Statement Priority for Platform Investors Supplementary Product Disclosure Statement 1 July 2014 Life s better with the right partner This Priority for Platform Investors Supplementary Product Disclosure Statement

More information

Important changes to insurance

Important changes to insurance Important changes to insurance Effective 1 July 2013 rest.com.au 1800 063 627 Contents Why have these changes been made? 2 New cover levels 2 New insurance costs 5 Access to higher cover under the new

More information

Priority Protection for Platform Investors

Priority Protection for Platform Investors Priority for Platform Investors Product Disclosure Statement Version 1.1, Date Prepared 22 August 2014 Life s better with the right partner Important Notes This Product Disclosure Statement ( PDS ) describes

More information

Insurance Online User guide for advisers

Insurance Online User guide for advisers Insurance Online User guide for advisers At IOOF we aim to make the administration of your client s accounts as quick and easy as possible. That s why we re pleased to bring you Insurance Online technology

More information

FutureWise at a glance. Macquarie Life

FutureWise at a glance. Macquarie Life FutureWise at a glance Macquarie Life Macquarie Life FutureWise offers a comprehensive and competitively priced suite of products that enables you to choose the right combination of cover types and benefits

More information

Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy

Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Effective 25 June 2014, this document updates the Sum m ary of incom e p ro t ect ion d if f erences in sid e an d

More information

Asgard Personal Protection Package

Asgard Personal Protection Package Asgard Personal Protection Package Supplementary Product Disclosure Statement (SPDS) This SPDS is dated 1 February 2009 and relates to the Product Disclosure Statement (PDS) dated 18 February 2008 for

More information

TOWER PROTECTION POLICY

TOWER PROTECTION POLICY LIFE INSURANCE TOWER PROTECTION POLICY Product Disclosure Statement November 2008 Runner Up Risk Company of the Year 2008 RUNNER UP 2008 Risk Company of the Year Winner WINNER Risk Company of the Year

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement 30 September 2013 ClearView LifeSolutions is issued by ClearView Life Assurance Limited: ABN 12 000 021 581, AFS Licence No. 227682. ClearView LifeSolutions Super is issued

More information

Insurance through your super

Insurance through your super Insurance through your super Review my cover Save on insurance through Super $ TPD insurance income protection Death We insure many aspects of our lives: house, car, health, life, even pets. Of all of

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

dependab e because life is unpredictable.

dependab e because life is unpredictable. AMP Elevate insurance Product Disclosure Statement Insurance that s dependab e because life is unpredictable. Issue Number 12, 21 May 2012 Life Insurance Life Insurance Superannuation Total and Permanent

More information

At a glance. Income Protection. Protection to survive life s ups and downs.

At a glance. Income Protection. Protection to survive life s ups and downs. At a glance Protection to survive life s ups and downs. P r o t e c t i o n f i r s t Why Protection? With Protectionfirst you have peace of mind knowing that you and your family will be financially secure

More information

Zurich Life Risk Zurich Income Protector / Plus

Zurich Life Risk Zurich Income Protector / Plus Product Summary Issued 21 December 2015 Zurich Life Risk Zurich / Adviser use only Summary These tables outline the in-built benefits, optional extras and product parameters for Zurich. They show which

More information

Product Summary. Life s better with the right partner. Life Cover. November 2015. Complimentary Final Family Expenses. Why consider Life Cover?

Product Summary. Life s better with the right partner. Life Cover. November 2015. Complimentary Final Family Expenses. Why consider Life Cover? Product Summary November 2015 Life s better with the right partner This is a summary of the main features and terms of the AIA Australia Priority Protection for Platform Investors product. For full details,

More information

protecting you and your family

protecting you and your family protecting you and your family Insurance guide Effective 1 July 2015 Issued by CSF Pty Limited ABN 30 006 169 286, AFSL 246664, Trustee of the MyLifeMyMoney Superannuation Fund ABN 50 237 896 957 mylifemyinsurance.com.au

More information

Zurich Wealth Protection. Product Disclosure Statement including policy conditions Issue date: 1 March 2014

Zurich Wealth Protection. Product Disclosure Statement including policy conditions Issue date: 1 March 2014 Zurich Wealth Protection Product Disclosure Statement including policy conditions Issue date: 1 March 2014 This PDS, prepared on 6 February 2014, is provided in two parts: Part 1 Policy information Part

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

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

Aviation Cover. Income Protection

Aviation Cover. Income Protection Aviation Cover Income Protection B Important information This advice has been prepared without taking account of your objectives, financial situation or needs. Because of that, before acting on the advice,

More information

Product Summary Zurich Income Replacement Insurance Plus

Product Summary Zurich Income Replacement Insurance Plus Zurich Life Risk Product Summary Zurich Income Replacement Insurance Plus Zurich proudly supports Adviser use only. Preparation Date: 1 April 2008 Zurich Australia Limited ABN 92 000 010 195 AFSLN 232510

More information

Protection Plans. Enhancements Guide 19 May 2014. For Adviser use only

Protection Plans. Enhancements Guide 19 May 2014. For Adviser use only Protection Plans Enhancements Guide 19 May 2014 For Adviser use only Protection Plans Enhancements We are committed to continually delivering market-leading solutions and product features for you and your

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

Why would you want to consider insurance? We pay claims

Why would you want to consider insurance? We pay claims SMSF Plan CommInsure s SMSF Plan is a customised, easy to use product designed to offer SIS-aligned cover to SMSF trustees. This has the potential to reduce the compliance burden on trustees when selecting

More information

At a. glance. Income. Protection. Protection to survive life s twists and turns

At a. glance. Income. Protection. Protection to survive life s twists and turns At a glance Income Protection Protection to survive life s twists and turns Aviva Income Protection Take a look Standard care 4 Gold care 4 Extra care 4 How do Excell and Gold compare? 5 1 Why Protection?

More information

Product Disclosure Statement Version 11, Issued 21 May 2012. Life s better with the right partner AIA.COM.AU. Priority Protection

Product Disclosure Statement Version 11, Issued 21 May 2012. Life s better with the right partner AIA.COM.AU. Priority Protection Priority Protection Product Disclosure Statement Version 11, Issued 21 May 2012 Life s better with the right partner AIA.COM.AU Who issues Priority Protection? This Product Disclosure Statement ( PDS )

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

Priority Protection. Product Disclosure Statement Version 15, Date Prepared 21 November 2015. Life s better with the right partner

Priority Protection. Product Disclosure Statement Version 15, Date Prepared 21 November 2015. Life s better with the right partner Priority Get a 12.5% initial discount on eligible lump sum AIA Australia policies with Turn to the back to find out about AIA Vitality, our health and wellness rewards program. Product Disclosure Statement

More information

ADAPTABLE INSURANCE FOR LIFE. INSURANCE INSIDE SUPER. Case studies include the Total Care Plan Super Rollover discount (TCPS RD)

ADAPTABLE INSURANCE FOR LIFE. INSURANCE INSIDE SUPER. Case studies include the Total Care Plan Super Rollover discount (TCPS RD) ADAPTABLE INSURANCE FOR LIFE. INSURANCE INSIDE SUPER Case studies include the Rollover discount (TCPS RD) Adaptable insurance for life. s needs and budgets can change they move jobs, get married, have

More information

Premier Advantage Package. Conditions of Use

Premier Advantage Package. Conditions of Use Premier Advantage Package Conditions of Use Effective as at 29 June 2015 Table of Contents Premier Advantage Package Conditions of Use 1. Acceptance of Conditions of Use 3 2. Opening a Package 3 3. Eligibility

More information

CHANT WEST PRODUCT SUMMARIES PERSONALSUPER RESEARCH

CHANT WEST PRODUCT SUMMARIES PERSONALSUPER RESEARCH Insurer AMP CommInsure CommInsure Types of cover available Death only Available to all members up to and including age 74 (renewable to age 98) Death & TPD Available to all members up to and including

More information

Personal Insurance Portfolio

Personal Insurance Portfolio Personal Insurance Portfolio Product Disclosure Statement (PDS) Preparation date: 26 September 2005 This PDS contains information about the following products: Income Care basic income protection insurance

More information

Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249

Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249 The Transport Industry Superannuation Fund Insurance Guide Prepared and issued 1 July 2014 Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249. This information in this guide forms part of the Product

More information

Transferring your insurance cover into Bendigo and Adelaide Bank Staff Super

Transferring your insurance cover into Bendigo and Adelaide Bank Staff Super Staff Superannuation Plan a sub-plan of IOOF Employer Super 1 January 2014 Transferring your insurance cover into Bendigo and Adelaide Bank Staff Super If you hold insurance cover in another superannuation

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

Asteron Lifeguard Enhancements Life Cover Super

Asteron Lifeguard Enhancements Life Cover Super Enhancements Life Cover Super Contents 1.0 Summary of changes 2 2.0 Improved Included Benefits 3 2.1 Improved Special Events Increase Benefit New Trigger Events 3 2.2 Improved Removal of $2,000,000 cap

More information

Example INSURANCE. CRITERIA AMP Flex Lifetime AustSafe HESTA. Insurer In-house CommInsure CommInsure. Types of cover available

Example INSURANCE. CRITERIA AMP Flex Lifetime AustSafe HESTA. Insurer In-house CommInsure CommInsure. Types of cover available Insurer In-house CommInsure CommInsure Types of cover available Death only Available to all members up to and including age 74 (renewable to age 98) Death & TPD Available to all members up to and including

More information

Zurich Wealth Protection

Zurich Wealth Protection Issue date: 1 March 2015 Zurich Wealth Protection Product Disclosure Statement including policy conditions This PDS, prepared on 4 February 2015, is provided in two parts: Part 1 Policy information Part

More information

Let TAL SuperPay do the heavy lifting. Lifetime protection. 15% TAL Super Tax Rebate SUPERANNUATION

Let TAL SuperPay do the heavy lifting. Lifetime protection. 15% TAL Super Tax Rebate SUPERANNUATION ADVISER INFORMATION ACCELERATION PROTECTION Increase Cover Accelerated Protection Automated Rollover 15% TAL Super Tax Rebate SUPERANNUATION Lifetime protection Let TAL SuperPay do the heavy lifting. With

More information

COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT

COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT COVER THOSE YOU LOVE A GUIDE TO LIFE INSURANCE SUNCORP LIFE PROTECT THE EASY WAY TO PROTECT YOUR FAMILY You ve made the smart decision to learn about life insurance. Now we can make it easy for you to

More information

Protecting you and your family. Insurance guide. www.csf.com.au. Effective 1 April 2014

Protecting you and your family. Insurance guide. www.csf.com.au. Effective 1 April 2014 Protecting you and your family Insurance guide Effective 1 April 2014 www.csf.com.au Issued by CSF Pty Limited ABN 30 006 169 286, AFSL 246664, Trustee of the Catholic Superannuation Fund ABN 50 237 896

More information

PRODUCT DISCLOSURE STATEMENT. Protect what matters. It s life. Accelerated Protection for Investment Platforms.

PRODUCT DISCLOSURE STATEMENT. Protect what matters. It s life. Accelerated Protection for Investment Platforms. PRODUCT DISCLOSURE STATEMENT Protect what matters. It s life. Accelerated Protection for Investment Platforms. Product Disclosure Statement 12 December 2014 Important Note This Product Disclosure Statement

More information

Insurance Booklet. IOOF Portfolio Service Corporate Superannuation IOOF Portfolio Service Employer Superannuation

Insurance Booklet. IOOF Portfolio Service Corporate Superannuation IOOF Portfolio Service Employer Superannuation Insurance Booklet IOOF Portfolio Service Corporate Superannuation IOOF Portfolio Service Employer Superannuation Part 3: Insurance Booklet Supplementary Product Disclosure Statement Dated: 1 November 2007

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

PRODUCT DISCLOSURE STATEMENT. Protect what matters most in life. Accelerated Protection

PRODUCT DISCLOSURE STATEMENT. Protect what matters most in life. Accelerated Protection PRODUCT DISCLOSURE STATEMENT Protect what matters most in life. Accelerated Protection Product Disclosure Statement 1 July 2016 Important Note This Product Disclosure Statement (PDS) gives you important

More information

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

Funeral Plan. Product Disclosure Statement (PDS) Issue Date: 14 May 2012. Funeral Plan is issued by MetLife Insurance Limited Funeral Plan Product Disclosure Statement (PDS) Issue Date: 14 May 2012 Funeral Plan is issued by MetLife Insurance Limited What is a Product Disclosure Statement? A Product Disclosure Statement (PDS)

More information

Insurance request VicSuper FutureSaver

Insurance request VicSuper FutureSaver GPO Box 89 Melbourne Vic 3001 VicSuper Member Centre 1300 366 216 vicsuper.com.au Insurance request VicSuper FutureSaver * Indicates that providing this information is mandatory. Not doing so may delay

More information

Life Insurance Accelerated Protection Policy Document 24 October 2011

Life Insurance Accelerated Protection Policy Document 24 October 2011 Life Insurance Accelerated Protection Policy Document 24 October 2011 TAL Life Limited ABN 70 050 109 450 AFSL 237 848 TAL Superannuation Limited ABN 69 003 059 407 AFSL 237 851 TAL Superannuation and

More information

ANZ Chief Investment Office. Leo Mauceri Insurance Research Manager. William Burkitt Global Head of Investment Product & Research

ANZ Chief Investment Office. Leo Mauceri Insurance Research Manager. William Burkitt Global Head of Investment Product & Research Owner: ANZ Chief Investment Office Version: 1 Date: January 2014 Next Review Date: January 2015 Author: Released By: Leo Mauceri Insurance Research Manager William Burkitt Global Head of Investment Product

More information

HOSTPLUS Superannuation Fund and HOSTPLUS Personal Super Plan Member Guide. Everything you need to get the most from your super.

HOSTPLUS Superannuation Fund and HOSTPLUS Personal Super Plan Member Guide. Everything you need to get the most from your super. Everything you need to get the most from your super Product Disclosure Statement 31 October 2011 Issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL No. 244392 as trustee for the HOSTPLUS Superannuation

More information

PRODUCT DISCLOSURE STATEMENT. Protect what matters. It s life. Accelerated Protection.

PRODUCT DISCLOSURE STATEMENT. Protect what matters. It s life. Accelerated Protection. PRODUCT DISCLOSURE STATEMENT Protect what matters. It s life. Accelerated Protection. Product Disclosure Statement 12 December 2014 Important Note This Product Disclosure Statement (PDS) gives you important

More information

Transferring your insurance cover into JR Super

Transferring your insurance cover into JR Super The JR Superannuation Fund is a division of IOOF Employer Super. IOOF Employer Super is one of many products and services offered by the IOOF group. Transferring your insurance cover into JR Super If you

More information

WA Super Insurance Guide

WA Super Insurance Guide MY SUPER APPROVED WA Super Insurance Guide The information in this document forms part of the WA Super Product Disclosure Statement, November 2013 You should read the PDS in conjunction with this Member

More information

The benefits of insuring through super. Macquarie Life

The benefits of insuring through super. Macquarie Life The benefits of insuring through super Macquarie Life While your clients are accumulating wealth, they also need to ensure adequate insurance cover is in place so they and their families are looked after

More information

Group Insurance for Employer Super

Group Insurance for Employer Super Group Insurance for Employer Super Reference Guide INFORMATION FOR ADVISERS ONLY Introduction The intention of this booklet is to provide advisers with: general information on Automatic Acceptance Limits

More information

Insurance Administration Expenses ASFA

Insurance Administration Expenses ASFA Sydney Melbourne Level 1 Level 20 2 Martin Place 303 Collins Street Sydney NSW 2000 Melbourne VIC 3000 T +61 2 9293 3700 T +61 3 8621 4100 ABN 35 003 186 883 F +61 2 9233 5847 F +61 3 8621 4111 AFSL 239

More information

ADVISER USE ONLY. Dominion insurance solutions

ADVISER USE ONLY. Dominion insurance solutions ADVISER USE ONLY Dominion insurance solutions About Dominion your leading platform solution The Dominion wrap platform is a comprehensive wrap administration service across superannuation, retirement and

More information

Transferring your insurance cover into the Medical & Associated Professions Superannuation Fund

Transferring your insurance cover into the Medical & Associated Professions Superannuation Fund AMA Financial Services Medical & Associated Professions Transferring your insurance cover into the Medical & Associated Professions If you hold insurance cover in another superannuation fund or directly

More information

CommInsure Protection

CommInsure Protection CommInsure Protection Peace of mind for the times of your life Product Disclosure Statement (PDS) Issue date: 20 November 2011 This PDS contains information about the following types of cover: Life Total

More information

Tasmanian Accumulation Scheme Death and Incapacity Cover

Tasmanian Accumulation Scheme Death and Incapacity Cover Death and Incapacity Cover Retirement Benefits Fund Tasmanian Accumulation Scheme Death and Incapacity Cover Information in this brochure is current as at 18 January 2012 Retirement Benefits Fund Tasmanian

More information

Zurich Wealth Protection. Product Disclosure Statement including Policy conditions Issue date: 1 March 2012

Zurich Wealth Protection. Product Disclosure Statement including Policy conditions Issue date: 1 March 2012 Zurich Wealth Protection Product Disclosure Statement including Policy conditions Issue date: 1 March 2012 About this PDS Date of preparation: 25 January 2012 This Product Disclosure Statement (PDS) is

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

PRODUCT DISCLOSURE STATEMENT. Protect what matters. It s life. Accelerated Protection for Investment Platforms.

PRODUCT DISCLOSURE STATEMENT. Protect what matters. It s life. Accelerated Protection for Investment Platforms. PRODUCT DISCLOSURE STATEMENT Protect what matters. It s life. Accelerated Protection for Investment Platforms. Product Disclosure Statement 1 July 2014 Important Note This Product Disclosure Statement

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

Issued ₁ July ₂₀₁₅. Insurance Guide. SignatureSuper AIA fact sheet. AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379.

Issued ₁ July ₂₀₁₅. Insurance Guide. SignatureSuper AIA fact sheet. AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. Issued ₁ July ₂₀₁₅ Insurance Guide SignatureSuper AIA fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the product

More information

INSURANCE Group Salary Continuance Insurance

INSURANCE Group Salary Continuance Insurance INSURANCE Group Salary Continuance Insurance Product Disclosure Statement 15 November 2010 About OnePath Helping you shape and protect your future OnePath Life Limited (OnePath Life) is one of Australia

More information

Supplementary Product Disclosure Statement

Supplementary Product Disclosure Statement The Portfolio Service Superannuation Plan The Portfolio Service 1 July 2014 Supplementary Product Disclosure Statement Issuer: Questor Financial Services Limited ABN 33 078 662 718 AFS Licence No. 240829

More information

29/05/2014. B1: Millions face super premium sting. Objective of Session. Bill Baker, Swiss Re Andrew Parkinson, Swiss Re

29/05/2014. B1: Millions face super premium sting. Objective of Session. Bill Baker, Swiss Re Andrew Parkinson, Swiss Re B1: Millions face super premium sting Bill Baker, Swiss Re Andrew Parkinson, Swiss Re 29 May 2014 Objective of Session Material losses recently suffered in the Australian "Group" protection market Share

More information

Adviser use only. Easy access to retail insurance FirstChoice

Adviser use only. Easy access to retail insurance FirstChoice Adviser use only Easy access to retail insurance FirstChoice We understand the important role insurance can play in your advice model. So we ve ensured that through FirstChoice you have easy access to

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

ENERGY SUPER INSURANCE GUIDE. Prepared and issued 1 July 2015

ENERGY SUPER INSURANCE GUIDE. Prepared and issued 1 July 2015 ENERGY SUPER INSURANCE GUIDE Prepared and issued 1 July 2015 CONTENTS Insurance Overview 1 Death & TPD cover 1 Income Protection cover 10 Other insurance information 18 Definitions 19 ABOUT THIS ENERGY

More information

Energy Super Insurance Guide. Prepared and issued 30 April 2013

Energy Super Insurance Guide. Prepared and issued 30 April 2013 Energy Super Insurance Guide Prepared and issued 30 April 2013 Contents Insurance Overview 1 Death & Total and Permanent Disablement cover 1 Income Protection cover 9 Other insurance information 15 Definitions

More information

Adviser use only. Easy access to retail insurance FirstWrap

Adviser use only. Easy access to retail insurance FirstWrap Adviser use only Easy access to retail insurance FirstWrap We understand the important role insurance can play in your advice model. So we ve ensured that through FirstWrap you have easy access to a range

More information

Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015

Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015 Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015 This update to the Plum Superannuation Fund Product Disclosure Statement is provided as a result

More information

INCOME PROTECTION. Publisher 62, Male, Severe ear condition INJURY AS A RESULT OF TRAUMA E.G. LOSS OF LIMB

INCOME PROTECTION. Publisher 62, Male, Severe ear condition INJURY AS A RESULT OF TRAUMA E.G. LOSS OF LIMB INCOME PROTECTION Telephonist 31, Female, Lower back pain Demolition worker 40, Male, Site injury Publisher 62, Male, Severe ear condition Mining worker 37, Male, Depressive episode Dentist 51, Male, Fracture

More information

LIFE INSURANCE PREPARING FOR THE FUTURE

LIFE INSURANCE PREPARING FOR THE FUTURE LIFE INSURANCE PREPARING FOR THE FUTURE Bupa life insurance is issued by ClearView Life Assurance Limited (ABN 12 000 021 581) (AFS Licence No. 227682) ( ClearView ). Bupa Australia Pty Limited (ABN 81

More information

BT Life Protection Plans (Wrap and Wrap Essentials)

BT Life Protection Plans (Wrap and Wrap Essentials) BT Life Protection Plans (Wrap and Wrap Essentials) Product Disclosure Statement and Policy Document ( PDS ) Product Disclosure Statement Dated: 1 December 2008 The Arranger of the BT Life Protection Plans

More information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information Australia Group Superannuation Fund Your Super Guide Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category Contents 1 About Nestlé Super p2 2 How super works p2 3 Benefits

More information

Telstra Super Personal Plus

Telstra Super Personal Plus 01/ 17 NOVEMBER 2015 PRODUCT DISCLOSURE STATEMENT Telstra Super Personal Plus Making the most of your future Contents 01 About Telstra Super and Telstra Super Personal Plus 02 02 How super works 02 03

More information

SignatureSuper Insurance Guide Fact Sheet Association and SignatureSuper Personal Plans AMP Life Limited

SignatureSuper Insurance Guide Fact Sheet Association and SignatureSuper Personal Plans AMP Life Limited SignatureSuper Insurance Guide Fact Sheet Association and SignatureSuper Personal Plans AMP Life Limited Issued 30 June 2014 AMP Corporate Super The information in this Fact Sheet forms part of the SignatureSuper

More information

Super for creative people. INSURANCE GUIDE. Issued 1 July 2014 MY SUPER AUTHORISED PRINT. MEDIA. ENTERTAINMENT. ARTS.

Super for creative people. INSURANCE GUIDE. Issued 1 July 2014 MY SUPER AUTHORISED PRINT. MEDIA. ENTERTAINMENT. ARTS. Super for creative people. INSURANCE GUIDE Issued 1 July 2014 PRINT. MEDIA. ENTERTAINMENT. ARTS. MY SUPER AUTHORISED CONTENTS 1. Protection when you need it most 3 Three types of cover available 3 Which

More information

Reliance Super. Taxation Supplement. 14 March 2014. a membership category of Maritime Super

Reliance Super. Taxation Supplement. 14 March 2014. a membership category of Maritime Super Taxation Supplement 14 March 2014 Contents Tax on contributions 2 Tax on rollovers 3 Tax on investment earnings 3 Tax on super benefits 3 Spouse tax offset 7 Tax deductions for the self-employed 7 Low

More information

Priority Protection Supplementary Product Disclosure Statement

Priority Protection Supplementary Product Disclosure Statement Priority Supplementary Product Disclosure Statement Date Prepared 4 May 2015 Life s better with the right partner This Priority Supplementary Product Disclosure Statement ( SPDS ) supplements information

More information

MLC Insurance Premium Quotation

MLC Insurance Premium Quotation Policy 1 : Personal Protection Portfolio Lives to be insured: Effective Date of Quote 12 May, 2009 Date prepared 12 May, 2009 THIS DOCUMENT IS PROVIDED AS AN ILLUSTRATION ONLY AND IS SUBJECT TO CHANGE.

More information

Asteron Lifeguard Enhancements Income Shield Super

Asteron Lifeguard Enhancements Income Shield Super Enhancements Income Shield Super CONTENTS 1.0 Summary of changes 2 2.0 Enhancements to Included Income Shield Super Benefits 3 2.1 New 5 Year Benefit Period for S Class Occupations 3 2.2 Improved Sick

More information

Adviser - Frequently Asked Questions

Adviser - Frequently Asked Questions ACCOUNT BASICS Can a client hold more than one of the same account type? ING DIRECT currently allows the following combination: Super and TTR or Pension. You cannot have a pension and TTR account. What

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

Adviser AT YOUR FINANCIAL SERVICE. Equate TM 6.0 User Guide. Information Guide

Adviser AT YOUR FINANCIAL SERVICE. Equate TM 6.0 User Guide. Information Guide Adviser AT YOUR FINANCIAL SERVICE Life Solutions Wealth Solutions Equate TM 6.0 User Guide Information Guide Contents Getting started 1 Adviser maintenance 1 Equate roadmap 2 Case study 7 A few tips 7

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