Asteron Lifeguard Enhancements Recovery Stand Alone

Transcription

1 Enhancements Recovery Stand Alone

2 Contents 1.0 Summary of changes Improved Included Benefits Improved Recovery Increase Benefit New Trigger Events New Lifestyle Conversion Benefit Improved Future Cover Benefit Improved Limited Death Benefit Improved Deafness New Partial Payment Intracranial Benign Tumour New Benign Tumour of the Spine with Impairment New Partial Payment Benign Tumour of the Spine Improved Waiting Period for Recovery Improved Cancer Improved Heart Attack Improved Optional Benefits Improved Own Occupation TPD (choice of occupation) New Own Occupation TPD for Part Time Workers Improved TPD Waiting Period New TPD Waiting Period Eligibility New Business Security Option Improvements to the Recovery Plus Option Improved Recovery Plus Option Major Treatment Of Early Stage Prostatic Cancer New Recovery Plus Option Severe Diabetes Complications New Recovery Plus Option Partial Benefit Adult Onset Type 1 Diabetes After Age Improved Recovery Plus Option Partial Benefit Early Stage Melanoma New Recovery Plus Option Partial Benefit Carcinoma in situ of the Corpus Uteri Improvements to the Recovery Reinstatement Option Improved Sum Insured Recovery Reinstatement Option Removal of Maximum Sum Insured Limit Improved Recovery Reinstatement Option Ability to Reinstate Cover after a Partial Recovery Payment Contact us 10

3 Enhancements Recovery Stand Alone 1 At Life, we regularly review our policies to ensure that they are at the forefront of industry developments and will continue to meet the financial challenges which may occur as a result of sickness or injury. Providing regular updates is an integral part of our service philosophy at Life. As a result, we have automatically upgraded your policy to reflect some of the innovations we have made to our Recovery Stand Alone product. This ensures that your policy remains at the leading edge of insurance and gives you and your family even better value protection at no extra cost. In this brochure you will find a summary of both the automatic enhancements we have made to your policy plus a series of new optional enhancements that you can apply to have added to your existing Life policy. These improvements offer you an increased number of benefits, improved definitions on benefits and the opportunity to add additional features to your policy. Automatic Enhancements We will enhance your policy without any further cost to you. You will not need to undergo any further medical assessments to benefit from these automatic enhancements, so you can start enjoying your new improved cover today. In the event of a claim, you will be assessed against the most recent, upgraded version of the policy. If, in your opinion, the improvements are less favourable, we will assess you against your previous policy terms. We will work with you and your adviser to ensure that the cover you have is most appropriate to your needs. Optional Benefits Some optional benefits have also been improved. Any optional benefits that you already have will also be upgraded from the effective date of upgrade. We understand that, over time, your needs may change so we have also created some new optional benefits that you may be eligible to have added to your policy. Adding some or all of these options to your policy may result in an increased premium and may also require additional underwriting. We can work with you and your adviser to explain these. Changes to Policy Terms Included within this brochure is a summary of changes to the policy terms. If you have any questions or need any further information on these please contact your adviser or our Life Customer Service on where one of our team will be delighted to help you.

4 2 Enhancements Recovery Stand Alone 1.0 Summary of changes This brochure includes all of the upgraded terms for Life Cover. Depending on the PDS issue number you applied with, some or all of these upgraded terms will already be included in your policy. Included benefits are automatically provided as at the effective date listed below. Where an upgrade: Has been applied to your policy the field below will include 3. Was already included in your policy terms the field below will note INC (included). issue 1 issue 2 issue 3 issue 4 issue 5 Enhancements Included Benefits Effective Date of upgrade 17 April April August May 2010) 15 November 2010) Improved Recovery Increase Benefit New Trigger Events New Lifestyle Conversion Benefit Improved Future Cover Benefit Improved Limited Death Benefit Improved Deafness New Partial Payment Intracranial Benign Tumour New Benign Tumour of the Spine with Impairment New Partial Payment Benign Tumour of the Spine Improved Waiting Period for Recovery Improved Cancer Improved Heart Attack 15 April INC INC INC INC 15 April INC INC INC INC 15 April INC INC INC INC 15 April INC INC INC INC 24 May INC INC 15 November INC 15 November INC

5 Enhancements Recovery Stand Alone 3 issue 1 issue 2 issue 3 issue 4 issue 5 Enhancements Optional Benefits Effective Date of upgrade 17 April April August May 2010) 15 November 2010) New Own Occupation TPD (choice of occupation) New Business Security Option Improved Recovery Plus Option Major Treatment of Early Stage Prostatic Cancer New Recovery Plus Option Severe Diabetes Complications New Recovery Plus Option Partial Payment Adult Onset Type 1 Diabetes after age 30 Improved Recovery Reinstatement Option Removal of Maximum Sum Insured Improved Recovery Reinstatement Option Ability to Reinstate after a Partial Recovery Payment New Own Occupation TPD for Part Time Professionals Improved Recovery Plus Option Partial Benefit Early Stage Melanoma New Recovery Plus Option Partial Benefit Carcinoma in situ of the Corpus Uteri Improved TPD Waiting Period New TPD Waiting Period Eligibility 15 April INC INC INC 24 May INC INC 24 May INC INC 24 May INC INC 15 November INC 15 November INC 15 November INC

6 4 Enhancements Recovery Stand Alone 2.0 Improved Included Benefits Below is a summary of changes to included benefits each with a simple description of how it affects you. Some of the terms and expressions used in the policy wording quick reference below have specific meaning and the meaning of these words and expressions can be found in the glossary of our current Product Disclosure Statement (PDS). A copy of our latest PDS is available on our website, or by contacting Life Customer Service on In the event of a claim, you will be assessed against the most recent, upgraded version of the policy. If, in your opinion, the improvements are less favourable, we will assess you against your previous policy terms. We will work with you and your adviser to ensure that the cover you have is most appropriate to your needs. Please note that if you are suffering a pre-existing condition before the effective date that the upgrade is applied to your policy, it will not apply when assessing any claim affected by that pre-existing condition. The effective date for each upgrade is denoted in the summary of changes. 2.1 Improved Recovery Increase Benefit New Trigger Events Your policy already allows you to increase your cover without any further medical assessment when there are certain changes in your personal circumstances, such as marriage, the birth of a child or an increase in your salary. Policy Wording Quick Reference The range of such events where you can increase your cover without any further medical assessment has now been increased to include: commencement of a domestic relationship with a spouse, which continues for 12 months and began within the previous 18 months; or an increase in your value to a business, where you are a key person to that business, and the business owns the policy. 2.2 New Lifestyle Conversion Benefit To keep your policy flexible to major changes in lifestyle, such as marriage or childbirth, you now have the option to convert your policy to a Recovery Package policy. This allows you to obtain cover that is more relevant to your changing needs without having to be re-underwritten. The life trigger events that allow this option to be taken are specified below along with some limitations that are necessary to make this conversion option possible. Policy Wording Quick Reference If the Recovery Benefit has not become payable and: you or the Policy Owner is not entitled to make a claim; we have not accepted a claim; and you are aged 40 or under, The Policy Owner can convert part of or all of this policy to a policy which also includes cover in the event of death if one of the following life events occurs to you. The following evidence required must be provided: you get married; or you have commenced a domestic relationship with a spouse which continues for 12 months. The relationship must have commenced within the previous 18 months; or you or your spouse gives birth to or adopts a child. The benefit can be exercised by the Policy Owner providing written notice to us (including the evidence required for the life event) within: 60 days of the event; or 30 days either side of the anniversary of the commencement date if the event occurred within the previous 12 months. The policy will be converted to the policy we are issuing at that time, which, in our opinion, is most like our Recovery Package policy with total permanent disablement (if total permanent disablement is not excluded under this policy). The total and permanent disablement definition under the new policy (if applicable) will be the equivalent of the loss of independent existence, loss of limbs or sight and significant cognitive impairment. If you are under age 65 at the time of conversion and this policy included own occupation or any occupation total and permanent disablement, then this will also apply to the new policy. The sum insured for the new Recovery Package policy will be: the sum insured for the Recovery Benefit under this policy at the time of conversion less: the total Death Benefit sum insured of all in force policies at the time of conversion where you are the Insured Person.

7 Enhancements Recovery Stand Alone 5 Premiums for the new policy will be calculated at the rates then applying for Recovery Package (including total and permanent disablement if it is not excluded under this policy) policies, increased by any loading factors applying under this policy. If we reduce the sum insured available under the new Recovery Package policy because you are the Insured Person for Death Benefits under other policies, this policy will continue with sum insured reduced by the conversion amount, and premiums will be adjusted to reflect the reduced sum insured. We will notify the Policy Owner within 30 days of this conversion taking place and send the Policy Owner a new policy document and schedule. Cover under the new policy will commence once we have received the first premium. For the first 12 consecutive months after the new policy starts a benefit for terminal illness will not be paid and payment for death under the Recovery Benefit is only payable in the event of your accidental death. The Lifestyle Conversion Benefit can be exercised once only. 2.3 Improved Future Cover Benefit Your policy has always given you the option to convert from a Recovery Stand Alone policy to a Life Cover policy when the Recovery Stand Alone expires. The maximum amount of cover you can convert has now increased from $50,000 to $200,000. Policy Wording Quick Reference If the Recovery Benefit has not become payable before the expiry date, this policy will automatically convert to the policy we are issuing at that time which, in our opinion, is most like our Life Cover policy with death and terminal illness cover and the single payout Total and Permanent Disablement Option. The total and permanent disablement definition under the new policy will be the equivalent of loss of independent existence, loss of limbs or sight and significant cognitive impairment. The sum insured for the new Life Cover will be the lesser of: the sum insured for the Recovery Benefit under this policy at the expiry date; and $200,000 The terms of the Life Cover policy will be the same as those offered under our Life Cover (including total and permanent disablement), policies at that time. 2.4 Improved Limited Death Benefit In recognition of your loyalty to us, we have increased the Limited Death Benefit from $15,000 to $20,000 if you held a Recovery Stand Alone policy with us for 5 years or more. Policy Wording Quick Reference If you die while covered under this policy and a Recovery Benefit is not payable, we will pay a Limited Death Benefit. The amount we will pay depends on the length of time this policy has been in force. We will pay: $10,000 during the first 2 years following the commencement date; $12,500 during the 3rd or 4th year following the commencement date; or $20,000 during the 5th or a later year following the commencement date. 2.5 Improved Deafness If you get a cochlear implant to treat your loss of hearing, we will still pay the full Recovery sum insured under our deafness definition. means the total and permanent loss of hearing, both natural and assisted, from both ears as a result of sickness or injury. Assisted hearing is not excluded if the loss of hearing is treated by cochlear implant. 2.6 New Partial Payment Intracranial Benign Tumour You can receive a partial payment of the Recovery sum insured if you are diagnosed with a intracranial benign tumour. means the diagnosis of a non-cancerous tumour either in the brain tissue or between the brain tissue and cranium giving rise to symptoms of increased intracranial pressure such as papilloedema, mental symptoms, seizures, sensory impairment and motor impairment.

8 6 Enhancements Recovery Stand Alone 2.7 New Benign Tumour of the Spine with Impairment We have introduced a new full payment event for benign tumour of the spine with impairment. This means that you can get paid the full Recovery sum insured should you be diagnosed with, and meet the definition for, this condition. means the diagnosis of a non-cancerous tumour in the spinal cord giving rise to objective changes such as sensory and/or motor deficits or abnormalities of bladder or bowel functions and results in you either: suffering at least 25% permanent impairment of whole person function*, or being permanently unable to perform at least 1 of the numbered activities of daily living without the physical assistance of someone else. * as defined in the American Medical Association publication Guides to the Evaluation of Permanent Impairment, 5th Edition. 2.8 New Partial Payment Benign Tumour of the Spine You can receive a partial payment of the Recovery sum insured if you are diagnosed with a benign tumour of the spine. means the diagnosis of a non-cancerous tumour in the spinal cord giving rise to objective changes such as sensory and/or motor deficits or abnormalities of bladder or bowel functions. 2.9 Improved Waiting Period for Recovery The 90 day waiting period for Recovery Benefit conditions and surgical procedures covered used to commence on the commencement date of the policy. It will now commence from the date a fully completed application was received by us. Policy Wording Quick Reference Unless this policy is a replacement policy, cover does not start under this benefit for conditions or procedures for cancer, heart attack, heart surgery (open), coronary artery angioplasty triple vessel, coronary artery surgery, repair or replacement aorta, stroke until the later of the policy commencement date and 3 months after the following scenarios, whichever one is applicable to you: the receipt by us of a fully completed application for insurance; the receipt by us of a fully completed application for an increase to the sum insured (in respect of the increased portion only); or the most recent reinstatement of this policy. This means that: the cancer must be first diagnosed; the heart attack, out of hospital cardiac arrest or stroke must first occur; or the disease or condition which the coronary artery angioplasty triple vessel, coronary artery surgery, heart surgery (open), repair or replacement of aorta, or repair or replacement of valves, as the case may be, is intended to address, must be first diagnosed, after cover for that condition or procedure (or increase in the monthly benefit in respect of the increased portion) starts Improved Cancer The definition of cancer under the Recovery benefit has been modified to include multiple myeloma as well as including ulceration as a criterion to determine the severity of a melanoma (in line with medical advances).

9 Enhancements Recovery Stand Alone 7 means the presence of one or more malignant tumours including malignant lymphoma, Hodgkin s disease, leukaemia, multiple myeloma, malignant bone marrow disorders and melanomas greater than or equal to Clark Level 3 or greater than or equal to 1.5mm depth of invasion or where the melanoma is showing signs of ulceration as determined by histological examination. The tumour must be characterised by: the uncontrolled growth and spread of malignant cells; and the invasion and destruction of normal tissue. The tumour must also: require treatment by surgery, radiotherapy, chemotherapy, biological response modifiers, or any other major treatment; or be totally incurable. The following tumours are excluded: a) tumours which are histologically described as pre-malignant or show the malignant changes of carcinoma in situ ; carcinoma in situ of the breast is not excluded if the entire breast is removed specifically to arrest the spread of malignancy, and this procedure is the appropriate and necessary treatment as recommended by a registered doctor b) melanomas which: have no evidence of ulceration; and are less than Clark Level 3; and are less than 1.5mm depth of invasion as determined by histological examination; c) all other types of skin cancers unless they have metastasised; and d) prostatic cancers which are both histologically described as TNM Classification T1 or lesser (or any other equivalent or lesser classification) and have a Gleason score of 5 or less Improved Heart Attack We have made some clarifications to our Heart Attack definition so that you can better understand what you are covered for and what criteria needs to be met so that you can qualify for a payment for this condition. means the death of a portion of the heart muscle as a result of inadequate blood supply to the relevant area. The basis for the diagnosis of a heart attack will include: confirmation of new electrocardiogram (ECG) changes or a left ventricular ejection fraction of less than 50%; and one of the following: elevation of cardiac enzymes CK-MB above standard laboratory levels of normal; or elevation in levels of Troponin I greater than 2.0ug/l or Troponin T greater than 0.6ug/l, or their equivalent. The elevation in the cardiac enzymes CK-MB, Troponin I or Troponin T above must not be due to cardiac or coronary intervention. If a diagnosis cannot be made on the basis of that criteria, we will pay a claim based on satisfactory evidence that you have unequivocally been diagnosed as having suffered a heart attack resulting in: a reduction in the left ventricular ejection fraction to less than 50%, measured 3 months or more after the event; or new pathological Q waves. 3.0 Improved Optional Benefits Below is a summary of changes to optional benefits each with a simple description of how it affects you. Some of the terms and expressions used in the policy wording below have specific meaning and the meaning of these words and expressions can be found in the glossary of our current Product Disclosure Statement (PDS). A copy of our latest PDS is available on our website, or by contacting Life Customer Service on Some or all of these options may be limited to certain occupations only. Where you already have an optional benefit applied to your policy any improvements will be automatically applied. All other new options can be applied for and will require underwriting. In the event of a claim, you will be assessed against the most recent, upgraded version of the policy. If, in your opinion, the improvements are less favourable, we will assess you against your previous policy terms. We will work with you and your adviser to ensure that the cover you have is most appropriate to your needs.

10 8 Enhancements Recovery Stand Alone Please note that if you are suffering a pre-existing condition before the effective date that the upgrade is applied to your policy, it will not apply when assessing any claim affected by that pre-existing condition. The effective date for each upgrade is denoted in the summary of changes. 3.1 Improved Own Occupation TPD (choice of occupation) Qualification criteria for Total and Permanent Disablement claims have been improved to cover situations where TPD occurs within 3 months of changing employment or if you become unemployed. You now have the freedom to choose to have your disability assessed against either your current occupation or the occupation you were in at the time of application, whichever is more favourable to you. Policy Wording Quick Reference If you were engaged in your current occupation for less than 3 months immediately before suffering the sickness or injury directly related to the claim event, we will assess you against either: the occupation you were engaged in at commencement; or the occupation you were last engaged in before becoming unable to work; whichever is more favourable for you. 3.2 New Own Occupation TPD for Part Time Workers The benefit of an own occupation definition is now available to professional clients who work less than 20 hours per week or are not working. Own Occupation TPD is also available to all clients working more than 20 hours per week. Policy Wording Quick Reference If your occupation class is AA, AP, LP or MP at the commencement date and you were working 20 hours or less per week when you applied for total and permanent disablement and you were working more than 20 hours per week immediately before suffering the sickness or injury directly related to the claim event, we will pay the sum insured if you satisfy the criteria for own occupation total and permanent disablement. If your occupation class is AA, AP, LP or MP at the commencement date and you were working 20 hours or less per week when you applied for total and permanent disablement and you were working; and were working 20 hours or less per week immediately before suffering the sickness or injury directly related to the claim event, we will pay the sum insured if you satisfy the criteria for any occupation total and permanent disablement. 3.3 Improved TPD Waiting Period In recognition of the significant impact that a serious illness or severe disablement can have on your finances and your lifestyle, we have reduced the waiting period for TPD claims from 6 months to 3 months. This means less delay in lodging a TPD claim and faster decision times in making an assessment. 3.4 New TPD Waiting Period Eligibility TPD Benefit payments have a standard waiting period of 3 months before benefits are released to ensure that all evidence is gathered and validity of claims is established. However, if you suffer one of the conditions listed below and you can provide the required medical evidence, we will reduce the waiting period from 3 months to 14 days: Blindness Cardiomyopathy Chronic lung failure Loss of Speech Major head trauma Motor Neurone Disease Paralysis Primary pulmonary hypertension. 3.5 New Business Security Option If you are a business owner, you may want the flexibility of changing the level of your cover so you can meet your business needs. This Business Security Option gives you the option to increase your cover in line with the value of your business without the need for additional medical underwriting. In addition, we have increased the maximum limits to which you can increase your cover without medical underwriting to 3 times the initial sum insured subject to a maximum limit as shown below. Product Recovery Stand Alone Reason for increase Loan Cover, Buy/Sell, Key Person Maximum cover limit + $2,000,000 + In all cases, the maximum limit to which the sum insured can be increased without medical underwriting is 3 times the initial sum insured. 3.6 Improvements to the Recovery Plus Option The Recovery Plus Option provides a cost effective way to enhance your Recovery protection by covering you for additional conditions and boosting payments for certain listed conditions. We have further extended the coverage of this option by improving the definitions of certain existing conditions as well as adding new full and partial payment conditions without any increase in cost to you. Some of the new conditions provide for a full payment of the sum insured whereas others provide a partial payment of the sum insured. The changes to the Recovery Plus Option are listed below:

11 Enhancements Recovery Stand Alone Improved Recovery Plus Option Major Treatment Of Early Stage Prostatic Cancer We have enhanced our definition for treatment of early stage prostatic cancer to major treatment of early stage prostatic cancer. means that the tumour requires treatment by surgery, radiotherapy, chemotherapy, biological response modifiers or any other major treatment to arrest the spread of the malignancy and the treatment is the appropriate and necessary treatment. Early stage prostatic cancer means a prostate cancer tumour that is histologically described as having: a TNM Classification T1 (or any equivalent classification); or a Gleason score of 5 or less; or a TNM Classification Tis (or any equivalent classification) New Recovery Plus Option Severe Diabetes Complications We have introduced a new full payment event in our Recovery Plus Option for severe diabetes complications. This means that you can get paid the full sum insured should you be diagnosed with, and meet the definition for, this condition. means that a medical practitioner who is a specialist physician has confirmed that at least two of the following complications have occurred as a direct result of diabetes: proliferative retinopathy resulting in visual acuity (aided or unaided) of 6/36 or worse in both eyes; peripheral vascular disease leading to chronic infection or gangrene, requiring a surgical procedure; or neuropathy including: irreversible autonomic neuropathy resulting in severe postural hypotension, and/or motility problems in the gut with intractable diarrhoea; or polyneuropathy leading to significant mobility problems due to sensory and/or motor deficits New Recovery Plus Option Partial Benefit Adult Onset Type 1 Diabetes After Age 30 You can receive a partial payment of the Recovery sum insured if you are diagnosed with adult onset Type 1 diabetes after age 30. means the diagnosis of Type 1 insulin dependent diabetes mellitus (IDDM) after the age of Improved Recovery Plus Option Partial Benefit Early Stage Melanoma You can also receive a partial payment of the Recovery sum insured if you are diagnosed with early stage melanoma. means the presence of one or more malignant melanomas. The melanoma is less than Clark 3 or less than 1.5mm depth of invasion as determined by histological examination. The malignancy must be characterised by the uncontrollable growth and spread of malignant cells and the invasion and destruction of normal tissue. Tumours which are histologically described as pre-malignant are excluded New Recovery Plus Option Partial Benefit Carcinoma in situ of the Corpus Uteri You can receive a partial payment of the Recovery sum insured if you are diagnosed with carcinoma in situ of the corpus uteri. means a focal autonomous new growth of carcinomatous cells within the corpus-uteri which has not yet resulted in the invasion of normal tissues. `Invasion means an infiltration and/or active destruction of normal tissue beyond the basement membrane. The tumour must be classified as Tis according to the TNM staging method or FIGO* Stage 0. * FIGO refers to the staging method of the International Federation of Gynaecology and Obstetrics

12 10 Enhancements Recovery Stand Alone 3.7 Improvements to the Recovery Reinstatement Option This benefit is designed to ensure that your Recovery Benefit recovers after a claim as well as you do. Adding the Recovery Reinstatement Option to your policy allows you to keep your Recovery cover intact after a claim as much as possible and minimises any gap in protection. We have made improvements to the benefits available under this option and these are listed below: Improved Sum Insured Recovery Reinstatement Option Removal of Maximum Sum Insured Limit Whilst there are certain limitations that apply to the reinstated cover after a claim payment, we recognise your need to be adequately insured at all times, therefore we have removed the $1,000,000 sum insured cap on the reinstated benefit. You can now reinstate the full amount of the Recovery Benefit payment to cover for any conditions or procedures that are not the same as, or related to the original reason for payment. Policy Wording Quick Reference If the schedule states the Recovery Reinstatement Option applies, and while you are covered for the Recovery Reinstatement Option we have made a Recovery Benefit payment or a Partial Recovery Benefit, the Policy Owner can effect a new modified policy for Recovery Stand Alone cover (excluding cover for total and permanent disablement) for a sum insured up to or equal to 100% of the Recovery Benefit or Partial Recovery Benefit payment without further medical evidence if: the Recovery Benefit or Partial Recovery Benefit payment was before the anniversary of the commencement date when you are 65; the Recovery Benefit payment was not for loss of independent existence, loss of limbs or sight, significant cognitive impairment or because you became totally and permanently disabled. the Partial Recovery Benefit payment was not for single loss of limb or eye or serious accidental injury and you are still alive. 4.0 Contact us If you have any queries about the automatic enhancements to your policy, or want to find out more about the optional benefits, contact your adviser, visit our website or call the Life Customer Service team on Important note This information is general advice and doesn t take into account a person s objectives, financial situation or needs. A person should consider the Product Disclosure Statement (PDS) available at and consider obtaining financial advice before making any decision about this product. This product is not a bank deposit or other bank liability. Products and services are provided by different entities in the Suncorp Group and each entity is not responsible for, does not guarantee and is not liable in any respect for products or services of other Suncorp entities. is issued jointly by Suncorp Life & Superannuation Limited ABN AFSL and Suncorp Portfolio Services Limited ABN AFSL RSE Licence No L Improved Recovery Reinstatement Option Ability to Reinstate Cover after a Partial Recovery Payment In order to ensure that you are adequately insured at all times, we now offer you the ability to reinstate the portion of the sum insured that relates to a partial Recovery payment. The reinstated cover will not be paid if the reason for the subsequent claim is the same as, or related to the original reason for payment.

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16 Contact Life or the Trustee Mail Life Customer Service GPO Box 68 Sydney NSW 2001 Fax Phone (outside Sydney) Web Life state offices NSW/ACT Level Kent Street Sydney NSW 2000 GPO Box 4252 Sydney NSW 2001 T F NSW callers outside Sydney VIC/TAS Level 8 15 William Street Melbourne Vic 3000 PO Box Collins St West Melbourne VIC 8007 T F Vic callers outside Melbourne & Tasmanian callers QLD Level 4 50 McDougall Street Milton QLD 4064 PO Box 5229 West End QLD 4101 T F QLD callers outside Brisbane SA/NT Level Grenfell Street Adelaide SA 5000 PO Box 429 Unley Business Centre Unley SA 5061 T F SA callers outside Adelaide WA Level 3 37 St Georges Terrace Perth WA 6000 PO Box 444 West Perth WA 6872 T F WA callers outside Perth Suncorp Life & Superannuation Limited ABN AFS Licence No Level Kent Street Sydney NSW 2000 Suncorp Portfolio Services Limited ABN AFS Licence No RSE Licence No. L Level 18 Suncorp Centre 36 Wickham Terrace Brisbane QLD 4000 AS /01/12 B