Life Insurance. Combined Product Disclosure Statement and Financial Services Guide

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1 Life Insurance Combined Product Disclosure Statement and Financial Services Guide

2 02 About this document This combined Product Disclosure Statement (PDS) and Financial Services Guide (FSG) is designed to help you decide whether to buy NRMA Life Insurance (this product). The information contained in this PDS and FSG is general information only and does not take into account your individual objectives or financial situation. You should consider how appropriate this product is with regard to your objectives, financial situation and needs before making a decision whether to acquire this product. The PDS describes the main features and benefits of this product. The FSG contains important information about the services provided by the distributor and issuer of this product, the remuneration they receive, and external and internal dispute resolution services. About the promoter NRMA Life Insurance is promoted by IAL Life Pty Limited ABN Authorised Representative Number of 388 George Street, Sydney NSW 2000 (IAL Life). IAL Life is a subsidiary of Insurance Australia Limited ABN NRMA Insurance is a trading name of Insurance Australia Limited. IAL Life has been appointed as an Authorised Representative of TAL Direct Pty Limited ABN AFSL (TAL Direct). About the distributor TAL Direct deals in, and provides general advice for, this product and is the licensee responsible for the FSG and services provided. TAL Direct is related to TAL Life Limited ABN AFSL of 80 Alfred Street, Milsons Point NSW 2061 (TAL Life) and is a subsidiary of TAL Dai-ichi Life Australia Pty Limited ABN About the issuer TAL Life is the issuer of this product. TAL Life is responsible for the entirety of this PDS, claims assessment and payments, ongoing administration and operation of this product. Neither IAL Life, Insurance Australia Limited (or its related bodies corporate) nor any of their employees, agents or other representatives, guarantee, accept liability or are otherwise responsible for this product. Changes to the PDS and FSG Information in this document that does not affect the cover terms and conditions may change from time to time. We may make such changes by amending the PDS or FSG and publishing an updated version on the website A printed copy of the information updated may also be obtained free of charge by contacting our Customer Service Centre on Important information The information in this PDS and FSG is current at the date of issue. In this document, you and your refers to the Policy Owner or Life Insured (as applicable), NRMA Insurance refers to Insurance Australia Limited, and TAL, we, us or our refers to TAL Life Limited or TAL Direct Pty Limited (as applicable).

3 03 We re Now Protecting Your Most Valuable Asset - You. Two cover options - Comprehensive Cover protects your family with a payout of up to $1.5 million, while Fast Track Cover saves time with guaranteed acceptance and no medical checks. Choose how you pay with fortnightly, monthly or annual payments on whatever day suits you. Discounts - 5% discount for the life of your policy if you re an existing NRMA Insurance policyholder and up to 35% for cover amounts over $300,000. The personal touch a difficult time made easier with a Personal Claims Consultant and free telephone-based bereavement counselling. Advanced payout if you re diagnosed with a terminal illness with less than 12 months to live. Legal Expenses payment $10,000 payment upon the approval of a death claim.

4 04 Contents Introduction 05 Product Disclosure Statement 06 Part One: Creating Your Cover For You Choose how much you d like to cover your family for Choose between Comprehensive Cover and Fast Track Cover Choose whether to add a spouse or partner to your policy Choose who benefits from your policy Choose when you d like to pay your premiums 08 Part Two: Understanding Your Policy 08 What s not covered by my policy? 08 Will my premiums increase over time? 10 Are my premiums tax deductible? 10 Is the benefit payment taxed? 11 When will my cover begin and end? 11 What happens if I stop paying my premiums? 11 Why is it important I give the correct information? 11 How does my family make a claim if they need to? 12 In the event of a claim, will my family be taken care of? 12 Financial Services Guide 13 About this guide 13 Who are our representatives? 13 Our services 14 What does general financial product advice mean? 14 What does dealing mean? 14 How we manage complaints 15 Protecting your privacy 15 Opt-Out 16 How we are paid 16 Paying by direct debit 17 Professional indemnity insurance 17

5 05 Introducing Flexible Protection From An Insurer You Can Trust NRMA Insurance has for over 85 years been insuring Australia s most valuable assets, including motor vehicles, home and contents and businesses. We re proud to be working with one of Australia s major specialist life insurers, TAL Life, to bring you insurance to cover your most valuable asset - you. NRMA Insurance is constantly listening to its customers to create products and services that provide an important difference and NRMA Life Insurance does just that. Two options are offered: Comprehensive Cover with higher cover amounts and more affordable premiums and Fast Track Cover for those who want fast cover with little effort required. If you have any questions about the policy, don t hesitate to call an NRMA Life Insurance expert on Who Should Take Out Life Insurance? Unfortunately, no one knows what lies ahead for our families. Nobody likes to consider it, but every day another Australian family experiences the unexpected stress of having a parent pass away. What s more, many families are simply unprepared for the financial trauma that can be added to the emotional one. Many people often mistakenly think they have adequate life insurance as a part of their superannuation. But this may not be enough to provide for your family s financial needs beyond the short-term. If you want to assure your family will have the financial future you ve always envisioned, life insurance may be the answer. The flexibility of the policy means that every Australian between the ages of 18 and 65 can take out NRMA Life Insurance, and rest easy knowing their family can be financially protected from whatever the future holds.

6 06 Product Disclosure Statement Part One: Creating Your Cover For You The best way for you to see how the NRMA Life Insurance policy can meet your needs and budget is to follow these simple steps. 1. Choose how much you d like to cover your family for Ultimately, the goal of your cover is to make sure your family has enough from your insurance payout to continue living the lifestyle you helped to provide. Firstly, you will need to determine an ideal amount of cover by considering: Size of your family Size of your mortgage Number of children or dependents Cost of education and schooling Cost of living expenses Visit and click on the Life Insurance calculator to help determine the cover for you. Once your cover is in place, you can adjust the amount as your circumstances change, simply call us on Choose between Comprehensive Cover and Fast Track Cover Now that you ve decided how much you would like to cover your family for, it s time to consider the best cover option for you. NRMA Life Insurance offers the flexibility of two kinds of cover one offering the most comprehensive cover, and one designed to save you time.

7 07 About this cover Who can apply? Comprehensive Cover This policy requires you to answer some health and lifestyle questions, in return for more affordable premiums. Australian residents aged Fast Track Cover This policy provides the convenience of fast and easy cover without the need to answer health and lifestyle questions. Australian residents aged Maximum cover amount $1.5 million. $750,000. Discounts for existing NRMA policyholders Discounts for higher cover amounts Advanced payout. If you re diagnosed with a terminal illness with less than 12 months to live. Legal Expenses payout. $10,000 payout to cover legal expenses as soon as your claim has been approved. Cooling Off Period. With NRMA Life Insurance, you have 30 days after your insurance begins to cancel and we will give a complete refund. Guaranteed acceptance Yes 5% discount for the life of your policy. Yes 30% off cover above $150,000 and 35% off cover above $300,000. Yes Yes Yes No please call us on or visit com.au/lifeinsurance to answer some health and medical questions. Yes 5% discount for the life of your policy. Yes 30% off cover above $150,000 and 35% off cover above $300,000. Yes Yes Yes Yes however pre-existing medical conditions are excluded. See Part 2 for details. Exclusions apply to both cover options. For this reason, we strongly advise familiarising yourself with the list of included and non-included conditions in Part 2. Remember, if you re unsure of anything, you can always talk to one of our staff on

8 08 3. Choose whether to add a spouse or partner to your policy If both you and your partner or spouse want to protect your family with life insurance, both of you can do so on one policy. You ll receive a discount of $3.30 per month for the second person. 4. Choose who benefits from your policy You can nominate up to five people as beneficiaries, and stipulate how much is given to each person. It s a safe way to ensure that your final wishes are adhered to. 5. Choose when you d like to pay your premiums We all get paid at different times of the month so you can set up your payment to coincide with your pay day. You can choose between: Fortnightly billing Monthly billing Annual billing GET ONE MONTH FREE! If you choose to pay annually, you ll get one month free every year. Part Two: Understanding Your Policy It s important to us that every customer fully understands their policy. The following are answers to questions you might have and information you should know before taking out NRMA Life Insurance. If there is anything you re unsure of please call us on What s not covered by my policy? Your NRMA Life Insurance covers you if you die, or are diagnosed with a terminal illness (by a registered medical practitioner) with less than 12 months to live. However, there are exclusions for both Comprehensive Cover and Fast Track options.

9 09 What s not covered by my policy? Comprehensive Cover exclusions In the first 13 months of your policy*: No benefit is payable on the terminal illness or death of a Life Insured if either is the direct or indirect result of suicide or an intentional self-injury At any time if shown on your policy schedule: n Specific exclusions identified at the time we arrange your policy. For example, a regular skydiver may not be covered for skydiving incidents n Work-related limitations for specific occupation categories Fast Track Cover exclusions In the first 5 years of your policy*: No benefit is payable on the terminal illness or death of a Life Insured if either is the direct or indirect result of: n Suicide or an intentional self-injury n A pre-existing medical condition At any time: If you die or become terminally ill from: n A dangerous occupation or pastime n Criminal activities *From the date the policy started or was reinstated. If you have increased your cover amount, the same qualifying periods apply to the increased component of your benefit. Pre-existing medical conditions The Fast Track Cover option limits cover for pre-existing medical conditions for the first five years from the start of your cover. A pre-existing medical condition is one that has led you to seek a diagnosis, advice, care or treatment from a medical practitioner in the five years prior to you taking out cover. Please note that we also consider the following to be Pre-existing Medical Conditions for any stroke, haemorrhage or heart attack related death if they occured in the five years prior to the start of your cover:

10 10 A body mass index of 40 or higher. Systolic blood pressure over 160 mmhg and diastolic blood pressure over 100 mmhg. Total blood cholesterol over 7.0 mmol/l. Diabetes with any one of the following: proteinuria, kidney disease, retinopathy, neuropathy or admission to hospital for treatment. Although Fast Track Cover may not pay out for death due to pre-existing medical conditions, if we deny your claim because of a pre-existing condition on Fast Track Cover, we will refund 50% of the premiums you have paid. Dangerous occupations or pastimes A dangerous occupation or pastime is a work or a lifestyle activity that involves explosives, weapons, heights above 20m, depths below 30m underground or underwater or speeds above 130km per hour other than as a fare-paying passenger on commercial transportation. If your death or terminal illness is due to the above situations, we will not pay a claim. Will my premiums increase over time? Unless requested by you, your benefit amount will increase each year up to the policy anniversary before your 70th birthday, in line with the change in the Consumer Price Index (CPI), or by 5%, whichever is higher and your premiums will increase accordingly. This is important to help keep your family protected as the amount you initially cover your family for will not be relative to the financial demands of the future when inflation has increased the costs of living. In addition, premiums generally increase each year on the anniversary of the commencement of your policy as you get older. You also have the option to freeze your life insurance premiums. In this instance we will not increase your premiums and we will reduce the amount you re insured for to match the premium you are paying. Are my premiums tax deductible? Generally, life insurance premiums are not tax deductible. We advise checking with an accountant to ensure that this applies to your individual tax situation.

11 11 Is the benefit payment taxed? Generally, any payout you receive as a result of a life insurance claim is tax-free. But again, please check with your accountant to ensure that this applies to your individual tax situation. When will my cover begin and end? Your cover begins on the day we accept your application, being the commencement date (the cover start date will appear on your policy schedule). Your cover ends on the earliest of the following: a) the date the cover amount is paid in full by us for a Life Insured; b) the date the policy is cancelled by you or us; c) your policy lapses due to the non-payment of the premium; or d) the expiry date in the Policy Schedule. What happens if I stop paying my premiums? You must pay your premiums when due to keep your policy in force. Remember, this insurance is not an investment policy so if we cancel, you won t receive any refund of the premiums you ve paid. But we always try to work out the best way for our customers to deal with any changing circumstances that may arise so please give us a call to discuss your options. Why is it important I give the correct information? When you apply for NRMA Life Insurance, we will request the information specific to your policy and situation. You need to give us all the information and documents requested, and answer all questions honestly and completely. This is your legal obligation called a duty of disclosure. If you don t, there s a chance that we may not be able to pay your claim. If you re unsure of anything, or feel uncomfortable about anything in the process, please give us a call. If you re not comfortable sharing your personal and medical history with us, you can always consider taking out our Fast Track Cover option. If you re an Australian resident between 18 and 65, you re guaranteed acceptance without the need for medical questions or tests.

12 12 How does my family make a claim if they need to? Firstly, make sure you ve given someone in your family your policy details this will make the process much quicker and simpler. Then, all they need to do is call us on In the event of a claim, will my family be taken care of? We understand that a life insurance claim is being made during an incredibly emotional and difficult time. You ve trusted us to take care of your family during this time, and we can do just that. Your family will be assigned a Personal Claims Consultant to deal with their claim. They will also be offered free telephone bereavement counselling by a qualified grief counsellor. We may also pay an advance of $10,000 of the sum insured on acceptance of a death claim under the policy. This is to assist with the expenses involved in finalising the Life Insured s estate. The balance of the sum insured will then be paid in accordance with the Grant of Probate or Letters of Administration.

13 13 Financial Services Guide This Financial Services Guide (FSG) is provided by TAL Direct Pty Limited ABN (TAL Direct). TAL Direct holds an Australian Financial Services Licence (AFSL ) and is part of TAL Dai-ichi Life Australia Pty Limited ABN group of companies and is related to one of the insurers, TAL Life Limited ABN (AFSL ) (TAL Life). TAL Direct has appointed IAL Life Pty Limited ABN , Authorised Representative No as its Corporate Authorised Representative. TAL Direct has authorised IAL Life Pty Limited to provide general financial product advice about life insurance that appears in the advertising and marketing materials only. About this guide TAL Direct is required by law to provide you with this FSG so that you can understand the services offered and decide whether they suit your needs. This FSG contains important legal information, including information about: The authorised services offered; The way remuneration is paid; Who provides the services; How complaints are dealt with. Who are our representatives? TAL Direct has appointed a number of trained and dedicated staff as its representatives. When you speak to a representative of TAL Direct you may be provided with general advice and they can arrange a policy for you. These representatives have been trained to an ASIC prescribed standard to discuss the product offered. TAL Direct is responsible for the financial service provided by these representatives.

14 14 Our services When you are referred by NRMA and speak to a representative, that person represents TAL. TAL is authorised under its Australian Financial Services Licence to: Provide general financial product advice about life and general insurance products; and Deal in life and general insurance products What does general financial product advice mean? General financial product advice is general information about a financial product. It is not personal advice about your individual financial situation or the suitability of a product for you. It s important to understand this as we do not provide personal advice or make recommendations about whether a product is suitable for you as an individual. So you need to carefully review the Product Disclosure Statement (PDS) for the policy, keeping in mind your own objectives, financial situation and needs before deciding whether it s right for you. The PDS sets out important information you should consider when deciding to use a certain product, including the insurer and the benefits, features and costs of the product. What does dealing mean? Dealing simply means that TAL Direct representatives can act for you by arranging policies on your behalf and we give you general financial product advice, arrange for the insurer to issue policies, or renew life insurance policies. TAL Direct is also authorised to issue and administer policies on behalf of TAL Life Limited under an arrangement called a binder. When we do this we will tell you and, in these circumstances, we are acting for the insurer, rather than you.

15 15 How we manage complaints In the event you have a complaint please call us on and ask to talk to our complaints officer, or write to us at: Complaints Officer NRMA Life Insurance Reply Paid 72, Carlton South VIC 3053 If we can t resolve your complaint to your satisfaction, you can contact the Financial Ombudsman Service (FOS) on or write to them at GPO Box 3, Melbourne Victoria This is a free service. Protecting your privacy The way in which we collect, use and disclose your personal and sensitive information is explained in our Privacy Policy. Our Privacy Policy is available at or is free of charge on request and if you would like a copy or if you have any questions about the way in which we manage your information please contact us using the details below: Call , Fax , Postal address: NRMA Life Insurance, Reply Paid 72, Carlton South VIC 3053, Website: Personal and sensitive information will be collected from or in respect of you to enable us to provide or arrange for the provision of our insurance products. We may request further personal information in the future, for example, if you want to make a claim. If you do not supply the required information, we may not be able to provide the requested product or service or pay the claim. In processing and administering your insurance (including at the time of claim) we may disclose your personal information to other parties such as organisations to whom we outsource our mailing and information technology, Government regulatory bodies and other companies related to us and accountants (if applicable). We may also disclose your personal information (including health information) to other bodies such as the reinsurers, health professionals, investigators, lawyers, external complaints resolution bodies and as required or authorised by law.

16 16 We rely on the accuracy of the information you provide. If you think that we hold information about you that is incorrect, please let us know. Under the current National Privacy Principles, you are generally entitled to access the personal information we hold about you. To access that information, simply make a request in writing. This process enables us to confirm your identity for security reasons and to protect your personal information from being sought by a person other than yourself. If, for any reason we decline your request to access and/or update your information, we will provide you with details of that reason. Opt-out Personal information is shared between us and NRMA Insurance. From time to time we may provide you with information on our products and services which may be of interest to you. If you do not want to receive phone calls, or would like to nominate your preferred days and times for receiving marketing phone calls please contact us. To opt out of receiving marketing information altogether, you can tick the box on the application, complete the Opt Out form, us at or call us on How we are paid When you buy an NRMA Life Insurance policy, the premium is paid to TAL Life. When a TAL Direct representative is involved, he or she may receive a commission of between 0% and 20% of the first year s premium. IAL Life Pty Limited is remunerated by commission from TAL Direct for life insurance policies sold under the NRMA Insurance brand. The commission is up to 27% inclusive of GST of each premium paid while the policy is in force. For each policy TAL Direct arranges, TAL Direct receives commission from the TAL Life plus reimbursement for the GST paid. This commission is used by TAL Direct to cover the costs of marketing and distributing the product to you. This commission is included in the premium already, and you don t pay any extra. Commission from TAL Life is 93.6% of the first year s premium, plus up to 16.4% of each premium paid.

17 17 Paying by direct debit When we issue your policy, we will also give you a complete copy of the Direct Debit Request Service Agreement. You should read the Agreement carefully, since it explains your rights and obligations if you decide to pay your insurance premiums by direct debit. This section summarises that Agreement. When you complete your bank details and sign the authority, you are authorising us to debit your insurance premiums from the bank account you nominate. Your authority will be kept confidential at all times. If your premium cannot be paid (if there s not enough money in your account, for example) your bank may dishonour that payment, in which case your policy may lapse and all cover will cease. We sometimes update the Agreement. If the changes are not disadvantageous to you, we will simply put the latest version on our website. You can also contact us and ask for a free paper copy at any time. If the changes could disadvantage you, we ll write to you personally and explain them in detail. If you need to change your direct debit authority or you re concerned by any aspect of it, please call us. Professional indemnity insurance To help ensure that our customers are financially covered whatever happens, TAL Dai-ichi Life Australia Pty Limited has professional indemnity insurance covering the activities of its licensees, including TAL Direct. This professional indemnity cover: Is maintained in accordance with the law; Is subject to its terms and conditions; and Provides indemnity up to the sum insured for the activities of the employees and representatives of TAL Direct in respect of the financial services we provide.

18 18 Still Have Questions? If there s anything at all you still want to know or discuss in regards to NRMA Life Insurance, please contact us on There s absolutely no obligation to purchase a policy.

19

20 Contact NRMA Life Insurance Promoter IAL Life Pty Limited ABN George Street, Sydney NSW 2000 Authorised Representative No of TAL Direct. Distributor TAL Direct Pty Limited ABN AFSL (TAL Direct) 80 Alfred Street, Milsons Point NSW Issuer TAL Life Limited ABN AFSL Alfred Street, Milsons Point NSW Issue date: 29/10/2012 Car / Home / Business / Boat / Caravan Please note, Car, Home, Business, Boat and Caravan insurance are general insurance products which are available from Insurance Australia Limited ABN , AFS Licence No , trading as NRMA Insurance. To find out more about these general insurance products and to see if they are right for you please read the relevant Product Disclosure Statements, available from the product issuer NRMA Insurance at This document only describes NRMA Life Insurance issued by TAL Life Limited, a life insurer. NRMA_LIP_PDSFSG_10/12_ISS2

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