# Insurance Guide. Super. 1 October 2015

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1 Super Insurance Guide 1 October 2015 The information in this document forms part of the Product Disclosure Statement (PDS) for the Mine Wealth and Wellbeing Superannuation Fund. You should read the PDS and this Insurance Guide before deciding if this insurance is appropriate. You can find these documents at

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3 This Insurance Guide explains the insurance you can take out through your Mine Wealth + Wellbeing Super account. Contents About our insurance...4 Why it s good to insure through Mine Wealth + Wellbeing Super... 5 Your job classification...6 Income Protection insurance...7 Death and disablement insurance The meaning of some important terms...23

19 How much does Voluntary Insurance Cover cost? The cost of this insurance depends on your age, your job classification, gender, if you smoke and the amount of your insurance. Here s an example to help you work out the cost of your Voluntary Insurance Cover. Example Andrew is 25 and works in mining. 1. How much insurance do you need? Andrew needs \$800,000 in Voluntary DTI and TPD insurance. How much insurance do you want? = \$ 2. Find your job classification factor Andrew s job falls under the mining classification. He s also a smoker. This means Andrew s job classification factor is What s your job classification? Male smoker Male non-smoker Female smoker Female non-smoker Professional White Collar Light manual Heavy manual Mining

20 Death and disablement insurance (cont.) 3. Find the cost of insurance for your age Andrew is 25 years of age, so the cost of his insurance (not adjusted by a job classification factor) is \$5.32 pa for each \$10,000 of DTI cover and \$1.67 for each \$10,000 of TPD insurance. This means the total yearly cost of Andrew s insurance is \$6.99 for each \$10,000 of DTI and TPD insurance (\$ \$1.67 = \$6.99). What s the cost of your insurance? \$ per \$10,000 of DTI + \$ per \$10,000 of TPD = \$ total cost per \$10,000 Voluntary DTI and TPD Insurance rates per \$10,000 pa Age DTI (\$) TPD (\$) Age DTI (\$) TPD (\$) Age DTI (\$) TPD (\$) Not available Calculate the cost of your Voluntary Insurance Cover Cost of Voluntary Insurance Cover = number of \$10,000 lots x job classification factor x annual cost per \$10,000. The cost of Andrew s Voluntary Insurance Cover = 80 lots of \$10,000 x 3.00 x \$6.99 per \$10,000 = \$1, pa or \$32.26 per week (\$1, = \$32.26 per week). The cost of your Voluntary Insurance Cover lots of \$10,000 x job classification factor x \$ annual cost per \$10,000 = \$ pa or \$ per week

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