LIFESTYLE PROTECTION PLAN

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "LIFESTYLE PROTECTION PLAN"

Transcription

1 LIFESTYLE PROTECTION PLAN LIFE TRAVEL CAR & HOME WARRANTIES COMMERCIAL VEHICLES Regent is an authorised financial services provider.

2 WHAT IS THE LIFESTYLE PROTECTION PLAN? The Lifestyle Protection Plan provides credit life cover and is a simple way to take the risk out of buying on credit. There are three different plans Bronze, Silver and Gold; and these plans are available to anyone between the ages of 18 and 77. A Lifestyle Protection Plan Policy has a maximum term of 7 years. WHAT DOES THE LIFESTYLE PROTECTION PLAN COVER? BENEFITS GOLD SILVER BRONZE OPTION 1 The Balance of Indebtedness* and Monthly Instalments** Benefits are payable to the Finance Provider BRONZE OPTION 2 Death Benefit* Total and Permanent Disability Benefit* Temporary Total Disability Benefit** Instalment Cover due to Hospitalisation or due to Retrenchment Benefit (but not both)** Booster Benefit Dread Disease Benefit* Funeral Benefit BENEFITS EXPLAINED DEATH BENEFIT Gold and Silver Plan If you die before age 69, your outstanding debt will be settled. Bronze Plans Option 1 - If you die before age 72, your outstanding debt will be settled. Option 2 - If you die before age 77, your outstanding debt will be settled. BOOSTER BENEFIT - Gold Plan only The Booster Benefit is payable upon death, permanent disability or if you are diagnosed with a dread disease. It comprises the following added benefits: Double Benefit an additional payment will be made to you that is equal to your outstanding debt. Minimum Benefit after month 36, a minimum benefit payment amount of R30,000 will be paid where the principal debt is R30,001 or more at the start of the finance agreement; or if the principal debt was R30,000 or less at the start of the finance agreement, the minimum benefit payment amount will be 20% of the principal debt. Maturity or Expiry Cash Back Benefit when your policy matures or expires, you will receive cash to the value of 10% of all premiums paid. Early Settlement, Future Policy Discount Benefit if you settle the finance agreement linked to this policy early, you will be entitled to a 10% discount on a new Regent Life credit life policy for three months after the early settlement.

3 TOTAL AND PERMANENT DISABILITY - Gold and Silver Plan If you become permanently disabled before age 69, Regent will pay out an amount equal to your outstanding debt. TEMPORARY TOTAL DISABILITY - Gold and Silver Plan If you are unable to earn your normal salary as a result of an illness or injury before age 69, Regent will pay your monthly instalments until you recover. INSTALMENT COVER DUE TO RETRENCHMENT BENEFIT - Gold and Silver Plan If you are a full-time employee and are retrenched before age 69, your monthly instalment will be paid for a maximum of three months while you are unemployed with a maximum of two retrenchment events. INSTALMENT COVER DUE TO HOSPITALISATION BENEFIT - Gold and Silver Plan If you are self-employed and injured or ill and hospitalised for more than seven consecutive days before age 69, your monthly instalment will be paid for three months. DREAD DISEASE - Gold and Silver Plan If, before age 69, you suffer from cancer, have a heart attack or a stroke, undergo major surgery or lose a limb, Regent will pay out an amount equal to the death benefit. FUNERAL - Gold Plan only If you die, an additional,000 will be paid towards your funeral expenses. EXCLUSIONS EXCLUSIONS APPLICABLE TO THE INSTALMENT COVER DUE TO RETRENCHMENT: Regent will not pay if: You are self-employed within a business owned by any member of your family. You are employed by a fixed term contract of employment that expires and is not automatically renewable. You are a partner in a partnership, a member of a closed corporation or a director of a company. You resign, retire early, retire normally or accept voluntary retrenchment. You are dismissed for misconduct. You knew or suspected that you were going to be retrenched on or before the date of commencement of the policy. You lose another source of income, other than the income you receive from your employer. You have not been continuously employed for at least 6 months before the Date of Commencement, Re-instatement or Re-date of this policy. EXCLUSIONS APPLICABLE TO THE INSTALMENT COVER DUE TO HOSPITALISATION: Regent will not pay the claim if: At the Date of Commencement, Re-instatement or Re-date of this policy, you knew that you would be hospitalised. You are hospitalised outside the borders of the Republic of South Africa. You are hospitalised as a result of a mental or nervous condition. This includes stress, anxiety or depression unless the condition is being treated under the direct and regular care of a consultant psychiatric specialist. You are hospitalised for a back or spinal condition unless this condition is shown on a MRI or CT scan conducted or supervised by an appropriate specialist. You are hospitalised for any condition for which you have received treatment or advice during the 12 months before the Date of Commencement, Re-instatement or Re-date of this policy. You are hospitalised for intentional self-inflicted injury or suicide attempt. EXCLUSIONS APPLICABLE TO TOTAL AND PERMANENT DISABILITY AND/OR TEMPORARY TOTAL DISABILITY: Regent is not obliged to pay a claim for a lump sum total and permanent disability and/or temporary total disability benefits which arise directly or indirectly from: Conditions as a result of or affected (temporarily or otherwise) by alcohol or drugs, other than as prescribed by a medical practitioner. Committing any breach of criminal law. Participation in airborne pursuits, unless as a passenger flying for the purpose of transport in an airworthy aircraft piloted by a licensed pilot. Participation in any riot, strike, civil commotion or usurpation of power.

4 GENERAL EXCLUSIONS APPLICABLE TO THE WHOLE POLICY: Regent is not obliged to pay any claim arising directly or indirectly from: Intentional self-inflicted injury, suicide or attempted suicide within 24 months of the Date of Commencement, Re-instatement or Re-date of this policy; or Any chronic and/or life threatening medical condition, disability, illness, bodily injury, infirmity, defect or ill-health that existed or was treated within a 24-month period prior to or at the Date of application, Re-instatement or re-date of this policy. Such medical conditions, disability, illness, bodily injury, infirmity, defect or ill-health will be excluded for a period of 24 months after the commencement date of cover for this policy. Disability or illness whilst unemployed Regent will not pay if you become disabled whilst you are unemployed, unless you suffer total and irrecoverable loss of all sight in both eyes, or of all use of both hands or of both feet, or if the disability results in the permanent and total inability to work for payment. HOW TO CLAIM Contact the Call Centre on You must advise Regent within 30 days of the claim. You will need to supply details of the claim, reasonable proof or evidence in writing. UNDERSTANDING THE PREMIUMS With the Lifestyle Protection Plan you can get affordable credit life insurance of up to R1,000,000 (amounts shown are a guide only). GOLD PLAN Monthly premium rate per thousand R2 R160 R205 SILVER PLAN Monthly premium rate per thousand R1.60 R130 R166 BRONZE PLAN Option1 Monthly premium rate per thousand R1 R85 R166 BRONZE PLAN Option2 Monthly premium rate per thousand R2.60 R205 R For more information contact your Regent consultant Full terms and conditions are contained in the policy document.

5 HOW TO CONTACT US Regent head office: 146 Boeing Road East, Elma Park, Edenvale, 1609, South Africa Postal address: PO Box 674, Edenvale, 1610, Johannesburg, South Africa Customer care line: Fax: +27 (0) Website: Underwritten by Regent Life Assurance Company Limited, a licensed long-term insurer, company reg. no.: 1994/001332/06 and an authorised financial services provider, FSP licence

Shackleton Life Bond Protection Insurance

Shackleton Life Bond Protection Insurance Shackleton Life Bond Protection Insurance Underwritten by OMART (Old Mutual Alternative Risk Transfer a company in the Old Mutual Group) Shackleton Life's Bond Protection Insurance value Proposition Ensuring

More information

Maximum Age of Cover: The age of sixty-five (65) years upon whose attainment the Life Assured shall cease to be covered under this policy;

Maximum Age of Cover: The age of sixty-five (65) years upon whose attainment the Life Assured shall cease to be covered under this policy; ADDITIONAL INFORMATION ON PERSONAL PROTECTION INSURANCE (PPI) Life Assured: A person who effected the Loan Agreement with the Creditor and whose life shall be assured under this policy, and shall not be

More information

BILL COVER INSURANCE Policy Wording

BILL COVER INSURANCE Policy Wording BILL COVER INSURANCE Policy Wording Cigna Bill Cover Insurance Policy Wording 1. Introducing your policy 2. Temporary Disability Your Policy - Important This document refers to your Cigna Bill Cover policy

More information

MERCER BILLPROTECT INSURANCE

MERCER BILLPROTECT INSURANCE MERCER BILLPROTECT INSURANCE MERCER BILLPROTECT INSURANCE POLICY WORDING 1. INTRODUCING YOUR POLICY 2. TEMPORARY DISABILITY COVER 3. REDUNDANCY COVER 4. BANKRUPTCY COVER 5. HOW TO MAKE A CLAIM 6. IF YOU

More information

Payment Protection Insurance Policy

Payment Protection Insurance Policy Payment Protection Insurance Policy DRIVERIGHT Payment Protection Insurance Policy Contents About this Policy 3 Conditions 5 General 6 Claims Paying Ability 7 Definitions 8 QFE Disclosure Statement IAG

More information

ACCIDENTAL ACCIDENTAL

ACCIDENTAL ACCIDENTAL ACCIDENTAL CREDITCARE DEATH PLUS ACCIDENTAL Policy Policy DEATH Wording Wording Policy Wording CreditCare Plus Policy Wording Part A: The basic terms of the Policy Part B: Temporary Disablement cover in

More information

ADVANCED PERSONAL LOAN Policy Wording

ADVANCED PERSONAL LOAN Policy Wording ADVANCED PERSONAL LOAN Policy Wording Advanced Personal Loan Insurance Policy Wording Part A: The basic terms of the Policy Part B: Temporary Disablement cover in detail Part C: Permanent Disablement cover

More information

Policy Summary. If you have a deferred payment scheme, no benefit will be paid for any disability which happens during the deferred period.

Policy Summary. If you have a deferred payment scheme, no benefit will be paid for any disability which happens during the deferred period. Policy Summary The information below is only a summary of your insurance and does not contain the full policy terms and conditions. Please see the Policy Document for full details of the cover provided.

More information

Credit Card Debt Protection Plan

Credit Card Debt Protection Plan Credit Card Debt Protection Plan Personal Banking First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider (NCRCP20). FNB Credit Card Debt Protection

More information

EMPLOYEE BENEFITS LIFE INSURANCE PLAN

EMPLOYEE BENEFITS LIFE INSURANCE PLAN EMPLOYEE BENEFITS LIFE INSURANCE PLAN AXA China Region offers:- Security for the dependants of your employees Low cost life insurance cover Benefit payable for death from any cause Competitive rates Efficient

More information

Personal Accident Insurance. Arranged by Golfguard Ltd

Personal Accident Insurance. Arranged by Golfguard Ltd Personal Accident Insurance Arranged by Golfguard Ltd 1 This is your Personal Accident Insurance policy document. If you have any questions about these documents, please contact your insurance adviser

More information

Payment Protection Insurance Policy

Payment Protection Insurance Policy Payment Protection Insurance Policy Contents INTRODUCTION...1 YOUR PRODUCT DISCLOSURE STATEMENT...2 Product Disclosure Statement overview...3 Exclusion... 6 YOUR POLICY... 8 General Information... 8 What

More information

Westpac Insurance. Life & Loan Insurance

Westpac Insurance. Life & Loan Insurance Westpac Insurance Life & Loan Insurance July 2013 Life it s rather unpredictable, isn t it? That s why our range of insurance cover is so flexible. We understand that everyone has different insurance needs

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

CREDIT CARD DEBT PROTECTION PLAN

CREDIT CARD DEBT PROTECTION PLAN CREDIT CARD DEBT PROTECTION PLAN First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Registered Credit Provider. Company Reg. No. 1929/001225/06 NCA Reg No. NCRCP20

More information

HDFC Standard Life Insurance Company Limited. PROTECTION PLANS Secure your family s financial Independence and self-respect

HDFC Standard Life Insurance Company Limited. PROTECTION PLANS Secure your family s financial Independence and self-respect PROTECTION PLANS Secure your family s financial Independence and self-respect You have always ensured that your loved ones keep living a respectable life with their heads held high. But life can be uncertain.

More information

CREDITCARE BUSINESS Policy Wording

CREDITCARE BUSINESS Policy Wording CREDITCARE BUSINESS Policy Wording CreditCare Business Policy Wording Part A: About this Policy Part B: Definitions Part C: What this Policy covers 1. Temporary Disablement cover in detail 2. Permanent

More information

Payment Protection Insurance Policy

Payment Protection Insurance Policy Payment Protection Insurance Policy Introduction Money back guarantee You may cancel your policy within 14 days of receiving it if you are not entirely satisfied with the insurance cover provided. You

More information

Total Mortgage Protection Plan Policy Summary

Total Mortgage Protection Plan Policy Summary Total Mortgage Protection Plan Policy Summary This summary outlines cover available under our Total Mortgage Protection Plan, which is underwritten by Halifax Insurance Ireland Limited and St Andrew's

More information

CREDIT CARD TOP-UP DEBT PROTECTION PLAN

CREDIT CARD TOP-UP DEBT PROTECTION PLAN CREDIT CARD TOP-UP DEBT PROTECTION PLAN First National Bank a division of FirstRand Bank Limited. An Authorised Financial Services and Registered Credit Provider. Company Reg. No. 1929/001225/06 NCA Reg

More information

Kiwibank Personal Loan Insurance

Kiwibank Personal Loan Insurance Kiwibank Personal Loan Insurance Policy Wording Where to look if you want to know: Section A: General Policy Terms 3 Section B: Policy Definitions 6 Section C: Temporary Disablement benefit 8 Section

More information

Please read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY

Please read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Please read this document carefully as it contains important information about this plan Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Your VitalityLife plan summary About this booklet This

More information

Life & Living Insurance. Policy wording

Life & Living Insurance. Policy wording Life & Living Insurance. Policy wording What s Inside Here. 1. Welcome 1 2. General conditions 3 3. About your cover 5 3.1. Life Account 5 3.2. Living Account 6 3.3. Living + Benefits 14 3.4. Automatic

More information

Life Insurance TABLE OF CONTENTS. Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3. Eligibility... 8 Beneficiary... 8 Coverage...

Life Insurance TABLE OF CONTENTS. Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3. Eligibility... 8 Beneficiary... 8 Coverage... Life Insurance TABLE OF CONTENTS Introduction... 3 Basic Life Insurance... 3 Amount of Coverage... 3 Eligibility... 3 Beneficiary... 4 Coverage... 4 Benefits... 4 Conversion Privilege... 4 Claims... 5

More information

Policy wording. AMI Life Injury Insurance. What you need to know about your policy. When the insurance cover begins.

Policy wording. AMI Life Injury Insurance. What you need to know about your policy. When the insurance cover begins. AMI Life Injury Insurance Policy wording What you need to know about your policy Please read your policy wording and schedule carefully to ensure it meets your needs. If there is any error please contact

More information

PROPOSAL FORM PERSONAL ACCIDENT / STATED BENEFITS

PROPOSAL FORM PERSONAL ACCIDENT / STATED BENEFITS Page 1 of 5 PROPOSAL FORM PERSONAL ACCIDENT / STATED BENEFITS This Proposal Form, together with the information provided, has been compiled in such a manner as to provide the Underwriters with as much

More information

Universal Loan Insurance

Universal Loan Insurance Creditor Insurance Universal Loan Insurance EXCELLENCE, YOUR LIVING BENEFITS SPECIALIST INVESTED IN YOU. UNIVERSAL LOAN INSURANCE PROTECT YOUR LOANS YOU and Your Needs Buying a property or a new vehicle

More information

Information Guide Booklet. Life Insurance

Information Guide Booklet. Life Insurance Information Guide Booklet Life Insurance This Information Guide booklet provides you with general information only. It will also help you to better understand any recommendations we have made for you.

More information

EBS Mortgage Payment Protection

EBS Mortgage Payment Protection EBS Mortgage Payment Protection Protect yourself against the unexpected EBS Mortgage Payment Protection is brought to you by EBS and Genworth Financial. If you have a mortgage, think about mortgage payment

More information

SAMPLE ONLY. TotalCare Max - Personal. Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT INDEMNITY

SAMPLE ONLY. TotalCare Max - Personal. Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT INDEMNITY TotalCare Max - Personal Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT INDEMNITY This appendix only applies if cover under the policy schedule includes the disability income protection

More information

Core Super MySuper. Insurance & Other Important Information 3 August 2015

Core Super MySuper. Insurance & Other Important Information 3 August 2015 Core Super MySuper Insurance & Other Important Information 3 August 2015 As a Core Super MySuper member you have Income Protection as well as Life and Total and Permanent Disablement [TPD] Insurance available

More information

SAMPLE ONLY. TotalCare Max Personal. Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT AGREED VALUE

SAMPLE ONLY. TotalCare Max Personal. Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT AGREED VALUE TotalCare Max Personal Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT AGREED VALUE This appendix only applies if cover under the policy schedule includes the disability income protection

More information

Administrator means the administrator of giraffe & friends RESP, being Giraffe & Friends Life Insurance Company.

Administrator means the administrator of giraffe & friends RESP, being Giraffe & Friends Life Insurance Company. Completion Insurance Life & Total & Permanent Disability Insurance Important information about your insurance Customer Service Inquiries - Please contact Giraffe & Friends Life Insurance Company at 1-844-MY-GANDF

More information

AA 50 Plus Life Insurance

AA 50 Plus Life Insurance AA 50 Plus Life Insurance Policy conditions Provided by Friends Life Limited AA 50 Plus Life Insurance AA 50 Plus Life Insurance Policy conditions This document sets out the full policy conditions of AA

More information

Life & Living Insurance. Policy wording

Life & Living Insurance. Policy wording Life & Living Insurance. Policy wording What s Inside Here. 1. Welcome 1 2. General conditions 3 3. About your cover 4 3.1. Life Account 4 3.2. Living Account 6 3.3. Living Benefits 13 3.4. Automatic annual

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

NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE

NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT INTRODUCTION Life Insurance and Accidental Death & Dismemberment

More information

Credit Protection. Insurance. Happy Banking. Product Disclosure Statement including Policy Wording

Credit Protection. Insurance. Happy Banking. Product Disclosure Statement including Policy Wording Insurance Credit Protection Product Disclosure Statement including Policy Wording Issued by: St Andrew s Insurance (Australia) Pty Ltd and St Andrew s Life Insurance Pty Ltd Happy Banking CREDIT PROTECTION

More information

Personal Accident and Illness Insurance

Personal Accident and Illness Insurance Personal Accident and Illness Insurance This is your Personal Accident and Illness Insurance policy document. If you have any questions about these documents, please contact your insurance adviser who

More information

Drivers Accident Protection Plan Master Policy

Drivers Accident Protection Plan Master Policy Note: If your Car Insurance Policy was incepted or last renewed before 1st November 2008 please contact aais@aaireland.ie requesting a copy of the Drivers Accident Protection Plan Master Policy effective

More information

Life Insurance with Optional Covers

Life Insurance with Optional Covers Life Insurance with Optional Covers Key Facts and Policy Terms and Conditions With my family covered, I can relax and enjoy life Welcome to Sorted Insurance At Sorted Insurance, we re committed to providing

More information

Summary Plan Description

Summary Plan Description 1199SEIU National Benefit Fund for Home Care Employees Summary Plan Description of Your Health and Welfare Benefits SECTION IV LIFE INSURANCE BENEFIT Home Care members were not eligible for a Life Insurance

More information

CREDITSURE PLUS MASTER POLICY NO. CL100002

CREDITSURE PLUS MASTER POLICY NO. CL100002 CREDITSURE PLUS MASTER POLICY NO. CL100002 Certificate of Nomination Credit Card Facility / Unsecured Credit Facility EXTENT OF COVER DEATH, TOTAL & PERMANENT DISABILITY, TERMINAL ILLNESS AND TOTAL & TEMPORARY

More information

ANZ Mortgage Protection. Because your mortgage payments don t stop if your income does.

ANZ Mortgage Protection. Because your mortgage payments don t stop if your income does. ANZ Mortgage Protection Because your mortgage payments don t stop if your income does. What if you couldn t pay your home loan? We insure our cars, our homes and other assets but what about our ability

More information

Program Guide. >ŝĩğ^žƶƌđğ ŝƌğđƚ.com Now Provides Accident Protection

Program Guide. >ŝĩğ^žƶƌđğ ŝƌğđƚ.com Now Provides Accident Protection Program Guide >ŝĩğ^žƶƌđğ ŝƌğđƚ.com Now Provides Accident Protection Accident, Critical Illness, Cancer, Accidental Death & Dismemberment, Hospital Indemnity, Funeral Expense and Bereavement Counseling

More information

LifeOne Policy Wording

LifeOne Policy Wording LifeOne Policy Wording LifeOne Policy Wording 1. Introducing your Policy 2. What you are insured for 3. Your rights to change your Policy 4. Cigna s obligations and rights 5. Exclusions 6. How to make

More information

Income Insurance Plan

Income Insurance Plan Income Insurance Plan terms and conditions booklet This product is provided by Irish Life Assurance plc. This is the Terms and Conditions booklet for your Income Insurance plan. Please keep this document

More information

FACTS AND FEATURES SIDE BY SIDE.

FACTS AND FEATURES SIDE BY SIDE. INCOME PROTECTION BENEFIT PLAN (IPB) AND FACTS AND FEATURES SIDE BY SIDE. It s our aim to make selling income protection as simple as possible. Here, we ve compared the features of our Income Protection

More information

Personal Accident Policy Document

Personal Accident Policy Document Personal Accident Policy Document www.greeninsurancecompany.co.uk Drivers Personal Accident Insurance Policy Summary This policy summary is to help you understand the insurance by setting out the significant

More information

Instalment Protection Plan

Instalment Protection Plan Instalment Protection Plan Terms and Conditions elephant.co.uk Policy Summary About the Instalment Protection Plan This policy summary does not contain the full terms and conditions of the contract. Full

More information

As life happens, we re here for you

As life happens, we re here for you As life happens, we re here for you AMP claims paid 2014 Live life knowing we ll be there for you Like most people, you probably think something bad will never happen to you. Hopefully you re right. But

More information

Life. Group Term Life Plans Group Sizes 2 or more. Underwritten by BEST Life and Health Insurance Co. LIFE-081809

Life. Group Term Life Plans Group Sizes 2 or more. Underwritten by BEST Life and Health Insurance Co. LIFE-081809 Group Term Plans Group Sizes 2 or more Underwritten by BEST and Health Insurance Co. LIFE-081809 Insurance for Protection Group Term insurance provides valuable and affordable group benefits, providing

More information

TOTAL PERMANENT DISABLEMENT

TOTAL PERMANENT DISABLEMENT Life TotalCareMax Total Permanent Disablement TOTAL PERMANENT DISABLEMENT TotalCareMax Life. Take charge. sovereign.co.nz HOW TOTALCAREMAX TOTAL PERMANENT DISABLEMENT COVER CAN HELP YOU Total Permanent

More information

Repayment Protection Insurance. A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan.

Repayment Protection Insurance. A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan. Repayment Protection Insurance A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan. The issuers are Hallmark Life Insurance Company Ltd. (Hallmark

More information

Credit Protection Product Disclosure Statement including Policy Wording

Credit Protection Product Disclosure Statement including Policy Wording Credit Protection Product Disclosure Statement including Policy Wording Issued by: St Andrew s Insurance (Australia) Pty Ltd and St Andrew s Life Insurance Pty Ltd January 2014 This is a very important

More information

Q Card Term Life Policy Wording

Q Card Term Life Policy Wording Q Card Term Life Policy Wording Q Card Term Life Policy Wording 1. Your Policy Important 2. About the Policy 3. Policy Terms and Conditions 3.1 Definitions 3.2 Policy Benefits 3.3 Other terms and conditions

More information

Personal Accident and Illness Proposal Form

Personal Accident and Illness Proposal Form Important Notice Personal Accident and Illness Proposal Form All questions must be answered in full where appropriate. Please complete all details in BLOCK CAPITALS and initial any alterations. It is essential

More information

CREDIT PROTECTION PRODUCT DISCLOSURE STATEMENT & POLICY WORDING

CREDIT PROTECTION PRODUCT DISCLOSURE STATEMENT & POLICY WORDING CREDIT PROTECTION PRODUCT DISCLOSURE STATEMENT & POLICY WORDING This is a very important document. Please ensure you read all of this document carefully and store it in a safe place for your records and

More information

Life and AD&D Coverage Options

Life and AD&D Coverage Options 43 Life and AD&D Coverage Options Life Insurance Options Life insurance pays benefits if you die or if a dependent dies while covered by the plan. Adequate life insurance can provide important financial

More information

AG Accident Choice Plus

AG Accident Choice Plus ABOUT 41 MILLION ARE TREATED IN HOSPITAL EMERGENCY ROOMS FOR TRAUMA EACH YEAR. 1 Think you re covered? Major medical could leave you with more expenses than you can afford. AG Accident Choice Plus Accidental

More information

How much insurance cover?

How much insurance cover? How much insurance cover? We consider life and TPD insurance coverage to be family protection it is about protecting your family. Life Insurance The purpose of life insurance is to provide your dependants

More information

Credicover Loan Insurance

Credicover Loan Insurance The Disability and Involuntary Unemployment component of this policy is underwritten by Credicorp Insurance Pty Ltd ABN 50 069 196 756, AFSL No. 238 335. Life Insurance issued by arrangement with CGU Insurance

More information

KEY GUIDE. Financial protection for you and your family

KEY GUIDE. Financial protection for you and your family KEY GUIDE Financial protection for you and your family Protecting what matters most Life and health insurance protection underpins most good financial planning. These types of insurance can ensure that

More information

Expect to understand your Tailored Loan Coverage

Expect to understand your Tailored Loan Coverage Expect to understand your Tailored Loan Coverage POLICY WORDING The following is a Summary and Guide to the provisions of the Master Policy between Sovereign Assurance Company Limited (Sovereign) and TSB

More information

MBNA LIFESTYLEPROTECT IMPORTANT INFORMATION

MBNA LIFESTYLEPROTECT IMPORTANT INFORMATION MBNA LIFESTYLEPROTECT IMPORTANT INFORMATION Demands and Needs MBNA does not offer any advice or recommendations about LifestyleProtect. We are only able to provide you with information. Please read this

More information

The lender offers five levels of payment waiver covering the Events set out below:

The lender offers five levels of payment waiver covering the Events set out below: Introduction The lender offers five levels of payment waiver covering the Events set out below: Platinum: the Events of Death, Disablement, Terminal Illness, Redundancy, Bankruptcy and Insurance Shortfall

More information

AA 50 Plus Life Insurance

AA 50 Plus Life Insurance AA 50 Plus Life Insurance Policy conditions Provided by Friends Life and Pensions Limited AA 50 Plus Life Insurance AA 50 Plus Life Insurance Policy conditions This document sets out the full policy conditions

More information

Life Insurance with Optional Covers. Key Facts and Policy Terms and Conditions

Life Insurance with Optional Covers. Key Facts and Policy Terms and Conditions Life Insurance with Optional Covers Key Facts and Policy Terms and Conditions Welcome to Smart Insurance Smart Insurance offers a range of life Insurance products that can help you quickly and easily take

More information

Macquarie Life Active Product Disclosure Statement. Macquarie Life

Macquarie Life Active Product Disclosure Statement. Macquarie Life Macquarie Life Active Product Disclosure Statement Macquarie Life Product Disclosure Statement jointly issued by: Macquarie Life Limited ABN 56 003 963 773 AFSL 237 497 and Macquarie Investment Management

More information

SUMMARY OF AMEX ACCOUNT PROTECTOR ULTIMATE INSURANCE

SUMMARY OF AMEX ACCOUNT PROTECTOR ULTIMATE INSURANCE SUMMARY OF AMEX ACCOUNT PROTECTOR ULTIMATE INSURANCE Eligibility: You are eligible for enrollment if you are aged 18 and less than 70 and your account is approved. Your spouse is covered for the following

More information

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands GLOBAL INSURANCE FOR EXPATRIATES Your health in our hands THE challenges EXPATRIATES FACE ABROAD Life as an expatriate is full of exciting opportunities, but there are potential problems to consider too:

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

Level, Renewable and Family Income Protection Key Features

Level, Renewable and Family Income Protection Key Features Level, Renewable and Family Income Protection Key Features Lifetime Protection from Standard Life This is an important document. Please read it and keep for future reference. The Financial Conduct Authority

More information

Be ready for the unexpected. Credit Protection. CREDIT INSURANCE. Product Disclosure Statement and Policy Wording. bankwest.com.

Be ready for the unexpected. Credit Protection. CREDIT INSURANCE. Product Disclosure Statement and Policy Wording. bankwest.com. CREDIT INSURANCE Be ready for the unexpected. Credit Protection. Product Disclosure Statement and Policy Wording. Issued by: St Andrew s Life Insurance Pty Ltd and St Andrew s Insurance (Australia) Pty

More information

Underwritten by Guardrisk Life Limited. Guardrisk is a registered and authorised Financial Services Provider FSP Number 76

Underwritten by Guardrisk Life Limited. Guardrisk is a registered and authorised Financial Services Provider FSP Number 76 Underwritten by Guardrisk Life Limited Guardrisk is a registered and authorised Financial Services Provider FSP Number 76 Zestlife is an authorised Financial Services Provider FSP Number 37485 Assetlife

More information

Repayment Protection Insurance. A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan.

Repayment Protection Insurance. A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan. Repayment Protection Insurance A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan. DISCLOSURE STATEMENT FINANCIAL ADVISERS ACT 2008 The information

More information

All Rates listed are Monthly per $1,000 of coverage. Age-band Employee Spouse

All Rates listed are Monthly per $1,000 of coverage. Age-band Employee Spouse Tracking ID: 09221437 Proposal Prepared for: New Albany Floyd County Schools Prepared by: Quinn Pearl Number of employees: 2,253 City, State: New Albany, IN Date Prepared: 9/22/2014 Plan Selected: Group

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Harford County Public Schools ReliaStar Life Insurance Company P.O. Box 20 Minneapolis, MN 55440-0020 LC00GP B-11595 03-09 (3,000) TABLE OF CONTENTS CERTIFICATION

More information

Life Insurance with Optional Covers

Life Insurance with Optional Covers Life Insurance with Optional Covers Key Facts and Policy Terms and Conditions With my family covered, I can relax and enjoy life Welcome to Sorted Insurance At Sorted Insurance, we re committed to providing

More information

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Simply Smarter Life Insurance Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Budget Direct Life Insurance and Budget Direct Accidental Death Insurance

More information

DISABILITY INCOME PROTECTION BENEFIT INDEMNITY

DISABILITY INCOME PROTECTION BENEFIT INDEMNITY OPTIONAL BENEFIT APPENDIX TOTALCAREMAX Personal DISABILITY INCOME PROTECTION BENEFIT INDEMNITY This appendix only applies if cover under the policy schedule includes the Disability Income Protection Benefit

More information

INSURANCE. Agribusiness Extra

INSURANCE. Agribusiness Extra INSURANCE Agribusiness Extra Agribusiness Extra provides insurance cover specifically designed to protect the unique needs of those who work in the agricultural sector. It aims to protect the financial

More information

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands

GLOBAL INSURANCE FOR EXPATRIATES. Your health in our hands GLOBAL INSURANCE FOR EXPATRIATES Your health in our hands THE challenges EXPATRIATES FACE Life as an expatriate is full of exciting opportunities, but there are potential problems to consider too: A serious

More information

DISCOVERY LIFE FOR PROFESSIONALS

DISCOVERY LIFE FOR PROFESSIONALS This brochure explains the products designed to meet professionals unique needs DISCOVERY LIFE FOR PROFESSIONALS Have you considered how to remain financially secure when you retire or if you become severely

More information

Reliance Life Insurance Family Income Benefit Rider

Reliance Life Insurance Family Income Benefit Rider Reliance Life Insurance Family Income Benefit Rider Reliance Life Insurance Family Income Benefit Rider We often hear stories of people who die and leave financial problems for their families to settle.

More information

Aussie Life Plan Product Disclosure Statement Issue date: 5 July 2010

Aussie Life Plan Product Disclosure Statement Issue date: 5 July 2010 Aussie Life Plan Product Disclosure Statement Issue date: 5 July 2010 Aussie Life Plan is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level 7, 70 Phillip Street, Sydney

More information

Age-band. Age-band Spouse. Uni-tobacco Uni-tobacco Uni-tobacco Uni-tobacco Uni-tobacco

Age-band. Age-band Spouse. Uni-tobacco Uni-tobacco Uni-tobacco Uni-tobacco Uni-tobacco LAKEVILLE ISD 194: Group Term Life with Waiver of Premium and AD&D for, Spouse and Dependent Children $10,000 $25,000 $50,000 $100,000 $200,000 0-24 25-29 30-34 35-39 40-44 45-49 50-54 55-59 60-64 65-69

More information

AMP Risk Protection Plan Booklet. Protect what s most important to you

AMP Risk Protection Plan Booklet. Protect what s most important to you AMP Risk Protection Plan Booklet Protect what s most important to you No matter how cautious we are, the unexpected can happen to any one of us, at any time. And our lives can change in a split second.

More information

DOMESTERE - DOMESTIC PERSONAL ACCIDENT INSURANCE CLAIMS ADMINISTRATION GUIDELINE

DOMESTERE - DOMESTIC PERSONAL ACCIDENT INSURANCE CLAIMS ADMINISTRATION GUIDELINE DOMESTERE - DOMESTIC PERSONAL ACCIDENT INSURANCE CLAIMS ADMINISTRATION GUIDELINE A 24 hour Personal Accident policy provides a benefit to your Domestic Worker in the event of her/him suffering accidental

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

Product Release Overview. December 2014

Product Release Overview. December 2014 Product Release Overview December 2014 Dear valued customer, Looking after our customers both today and in the future is important to us. We always value your feedback and strive to deliver products and

More information

Life and Accident Insurance

Life and Accident Insurance Life and Accident Insurance Honda offers basic life and accident insurance and business travel insurance benefits for you or your survivors in the event of your accidental death or serious injury. Table

More information

ANZ Personal Loan Insurance POLICY DOCUMENT EFFECTIVE 6 JUNE 2015

ANZ Personal Loan Insurance POLICY DOCUMENT EFFECTIVE 6 JUNE 2015 ANZ Personal Loan Insurance POLICY DOCUMENT EFFECTIVE 6 JUNE 2015 Contents Welcome 1 Financial strength rating 1 Introduction 1 Purpose 1 This Policy 2 Important 2 30 day free-look period 2 Policy Ownership

More information

Absa Hospital Accident Plan Policy

Absa Hospital Accident Plan Policy Absa Insurance Company Limited, Reg No 1992/001737/06 Absa Hospital Accident Plan Policy Contents Terms of contract Description of cover Definitions Table of Benefits General Conditions Claims information

More information

Earning for Today and Saving for Tomorrow. Basic Life Insurance Plan. inspiring possibilities

Earning for Today and Saving for Tomorrow. Basic Life Insurance Plan. inspiring possibilities Earning for Today and Saving for Tomorrow Basic Life Insurance Plan inspiring possibilities In This Summary Certification Page...3 Schedule of Benefits...4 Life Insurance, Accidental Death and Dismemberment

More information

Mortgage Payment Protection

Mortgage Payment Protection Prospectus and Summary of Cover Mortgage Payment Protection Underwritten and administered by Pinnacle Insurance plc Protecting your mortgage Now is the time to think about securing your home and the comfort

More information

Personal Accident Plan Terms and Conditions

Personal Accident Plan Terms and Conditions Personal Accident Plan Terms and Conditions elephant.co.uk Policy Summary Personal Accident Plan This policy summary does not contain full terms and conditions of the cover, which can be found in the policy

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

DIRECT- Aviva Term Life Product Summary

DIRECT- Aviva Term Life Product Summary DIRECT- Aviva Term Life Product Summary 1. WHAT IS THIS PRODUCT ABOUT? This is an insurance protection plan for a chosen period of time. It provides you with basic benefits, comprising death benefit, terminal

More information

7004 Boago Funeral Plan 11112014 FA.indd 1. Boago Funeral Plan

7004 Boago Funeral Plan 11112014 FA.indd 1. Boago Funeral Plan 7004 Boago Funeral Plan 11112014 FA.indd 1 Boago Funeral Plan 2014/11/11 9:42 AM Liberty is not just our name. It s what we do. 7004 Boago Funeral Plan 11112014 FA.indd 2 2014/11/11 9:42 AM Boago Funeral

More information