Optimum Corporate and Personal. Insurance Premiums and Occupational Ratings Guide
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1 Optimum Corporate and Personal Insurance Premiums and Occupational Ratings Guide Issued 31 December 2013
2 Important note Suncorp Portfolio Services Limited (Trustee) (ABN , AFSL , RSE Licence No L ) is the issuer of this Guide and takes responsibility for its contents. This Guide is issued on 31 December The information in this document forms part of the Product Disclosure Statement (PDS) for Optimum Corporate Super and Optimum Corporate Super for Standard Pacific issued on 31 December Insurance cover offered through this product is provided by Suncorp Life & Superannuation Limited (SLSL) (ABN , AFSL ) in a policy issued to the Trustee. The information contained in this Guide is of a general nature only and not personal advice. In preparing this material, we have not taken into consideration your personal objectives, financial situation or financial needs. You should read the Product Disclosure Statement (PDS) for Optimum Corporate Super, Optimum Corporate Super for Standard Pacific or Optimum Personal Super before making a decision to acquire or continue to hold the product. You should speak to your adviser before making an investment decision. The information provided is up to date at the time of preparation. We may change or update the information from time to time. We will advise of any change on our website at as a Product Information Update. The PDS is issued by the Trustee and is available at or by calling us on
3 About this guide This guide contains standard insurance rates and should only be used as a guide. If your employer has arranged insurance cover with another insurer agreed by the Trustee, the information in this guide may not apply to you. Your welcome pack will include details of your insurance benefits and costs, the insurance policy and any relevant endorsements that apply to you. Please note that the insurance fees may vary depending on your special circumstances and medical conditions. For more information, please refer to the relevant Optimum PDS, or contact us. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 1
4 Contents Which rates apply to me? 3 How are insurance fees calculated? 4 Examples of insurance fee calculations 5 Optimum insurance fees 7 Individual Death and rates - insurance fee per $100,000 7 Group Death and rates insurance fee per $100, Group Death age based minimums 29 Individual Income Protection rates - insurance fee per $ Group Income Protection rates - insurance fee per $ Income Protection stamp duty 46 Trustee Minimum Cover 46 Occupational Ratings for Insurance 47 Contact us back cover 2 Asteron Life
5 Which rates apply to me? Insurance rates for Which rates? See page Employer selected cover within or over the AAL Group rates (Death & ) (Income Protection) Member/individual selected cover for a higher sum insured than your employer has selected Member/individual selected cover for a different type of cover than your employer has selected Group rates Individual rates (Death & ) (Income Protection) 7-17 (Death & ) (Income Protection) Cover for a family members account Individual rates 7-17 (Death & ) (Income Protection) When you leave the plan and have retained your insurance* Individual rates 7-17 (Death & ) (Income Protection) * When you leave your employer plan, any Death and insurance arrangements will remain in place but all insurance fees will be based on individual smoker rates (unless and until we are informed that you do not smoke). Insurance fees are the total amount payable for any level of cover you may have included as part of your super plan. Please refer to the Examples in this guide to find out how much you pay in insurance fees. The rates that apply to you will depend on your occupation. Please see occupational ratings on page 46 for more information. If you are unsure of your occupation rating please contact us. Rates shown in this guide include 25% commission (excluding GST). Optimum Corporate members You may pay less than the commission included in the rate tables if a lower amount of commission has been negotiated with the adviser and will not pay any commission on insurance fees deducted from the Suncorp Lifestage Fund. If you are invested in the Suncorp Lifestage Fund and other investment options, your insurance fees will be deducted from your other investment options first. If the balance in your other investment options is insufficient to pay your insurance fees, we will then deduct your insurance fees from your investment in the Suncorp Lifestage Fund. Your employer can agree with your plan s adviser the commission applicable to your insurance. Your plan s adviser may receive an ongoing insurance commission payment of up to 27.5% (including GST) of your insurance fee. Any additional GST is not payable by you. Trustee Minimum Cover If you are an employee member of a participating employer plan and you have an investment or any balance in the Suncorp Lifestage Fund, our MySuper option, you may be eligible for our Trustee Minimum Cover. If your employer has a higher level of cover than the standard Trustee Minimum Cover you will be placed in your employer s selected cover regardless of your investment in the Suncorp Lifestage Fund. We recommend you speak to your employer about the level of cover provided under your current employment plan. To find out more details about MySuper cover please refer to the PDS and Product Guide. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 3
6 How are insurance fees calculated? Insurance fees are calculated using: your age on your next your gender the sum insured the benefit type, eg. Death only, Death and and/or Income Protection for Income Protection, waiting period for insurance priced on individual rates, your smoking status. The annual insurance fee for your insurance cover can be calculated as: For Death and : Monthly insurance fee = Sum insured x (insurance rate from table) / 100,000 For Income Protection: Monthly insurance fee = (Monthly Insured Benefit) x (insurance rate from table) / 100 The rate table is inclusive of 25% commission (excluding GST). For MySuper members who wish to calculate insurance fees net of commission, multiply the rate by Asteron Life
7 Examples of insurance fee calculations Example 1 Optimum members on individual rates Samantha will be age 30 next, works as a lawyer and earns $100,000 pa. Samantha would like to insure herself for $500,000 Death and and $6,000 of Income Protection cover per month based on a 60 day waiting period under Optimum Personal. This assumes Samantha will be accepted on standard terms and she doesn t smoke. Samantha belongs to the occupation class 1(Professional). The cost of her insurance fee would be: Death cover, base insurance rate from table: $4.85 per $100,000 Total Death cover monthly insurance fee: $4.85 x $500,000/$100,000 = $24.25 cover, base insurance rate from table: $2.84 per $100,000 sum insured Total cover monthly insurance fee: $2.84 x $500,000/$100,000 = $14.20 Total monthly cost of Death and benefit of $500,000: $ $14.20 = $38.45 Income Protection, base insurance rate from table: $0.35 Total monthly cost of Income Protection benefit of $6,000 per month: $0.35 x $6,000/$100 = $21.00 Total cost of all cover per month: $ $21.00 = $59.45 Stamp duty will be payable in addition to the insurance fee for Income Protection and the amount will depend on the state in which Samantha lives. Stamp duty may be payable on the element of the insurance fee depending on the state in which she lives. Example 2 Optimum members on Group and Individual rates Samantha will be age 30 next, works as a lawyer and earns $100,000 pa. Her employer s plan under Optimum Corporate provides a fixed sum insured of $300,000 for Death and, which is below the plan s AAL. Samantha would like to insure herself for an additional $200,000 Death and cover and $6,000 of Income Protection cover per month based on a 60 day waiting period and two-year benefit period. Samantha applies and is accepted for this additional cover. This assumes Samantha will be accepted on standard terms. As a lawyer she belongs to the occupation class 1 (Professional). Samantha is invested in investment options other than the Suncorp Lifestage Fund and her insurance fees will be subject to commission. The cost of her insurance fee would be: Employer selected Death & cover, base insurance rate: $6.05 Total Employer selected Death & cover insurance fee: $6.05 x $300,000/$100,000 = $18.15 Additional Death & cover insurance fee: $6.05 x $200,000/$100,000 = $12.10 Total monthly cost of Employer & Member selected Death & benefit of $500,000: $30.25 Additional benefit of $200,000: priced on Group rates because it is the same type of cover selected by Samantha s employer. Income Protection benefit of $6,000 per month priced on individual rates because Income Protection is a different type of cover from what Samantha s employer has selected. Income Protection, base insurance rate from table: $0.35 Total monthly cost of Income Protection benefit of $6,000 per month: $0.35 x $6,000/$100 = $21.00 Total cost of all cover per month: $51.25 If Samantha was invested fully in the Suncorp Lifestage Fund, her total insurance fee would be $ Optimum Corporate and Personal Insurance premiums and occupation ratings guide 5
8 Examples of insurance fee calculations (continued) Example 3 Optimum members with Group and individual rates If Samantha left her employer at the same age, remained in the same occupation and retained insurance arrangements with Optimum, her insurance fee would be recalculated. Samantha is invested in investment options other than the Suncorp Lifestage Fund and her insurance fees will be subject to commission. Upon leaving her employer, Samantha has notified us that she doesn t smoke. Fixed benefit of $500,000 for Death &, priced on individual rates: $38.45 Total monthly cost of Death & benefit of $500,000: $38.45 Income Protection benefit of $72,000 pa: $21.00 Total cost of Income Protection benefit of $6,000 per month: $21.00 Total cost per month: $59.45 If Samantha was fully invested in the Suncorp Lifestage Fund, her total insurance fee would be $44.59 per month. Stamp duty will be payable in addition to the insurance fee for Income Protection and the amount will depend on the state in which Samantha lives. Stamp duty may be payable on the element of the insurance fee depending on the state in which she lives. 6 Asteron Life
9 Optimum insurance fees Individual Death and rates - insurance fee per $100,000 To calculate the Individual Death and insurance rates for different occupational classifications, the following Individual Occupation Loadings have been applied (to the Professional or class 1 rates): Individual Occupation Loadings - Death and Occupation description Class Occupational factors for Death cover Occupational factors for cover Professional Managerial/Clerical Supervisor Skilled blue collar Heavy blue collar Not available Optimum Corporate and Personal Insurance premiums and occupation ratings guide 7
10 Optimum insurance fees (continued) Individual rates Monthly Death and insurance fee per $100,000 Professional (class 1) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Asteron Life
11 Optimum insurance fees Individual rates Monthly Death and insurance fee per $100,000 Professional (class 1) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. To calculate the insurance fee per $100,000 for Death and cover, add the Death Only and insurance fees together. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 9
12 Optimum insurance fees (continued) Individual rates Monthly Death and insurance fee per $100,000 Managerial/Clerical (class 2) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Asteron Life
13 Optimum insurance fees Individual rates Monthly Death and insurance fee per $100,000 Managerial/ Clerical (class 2) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. To calculate the insurance fee per $100,000 for Death and cover, add the Death Only and insurance fees together. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 11
14 Optimum insurance fees (continued) Individual rates Monthly Death and insurance fee per $100,000 Supervisor (class 3) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Asteron Life
15 Optimum insurance fees Individual rates Monthly Death and insurance fee per $100,000 Supervisor (class 3) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. To calculate the insurance fee per $100,000 for Death and cover, add the Death Only and insurance fees together. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 13
16 Optimum insurance fees (continued) Individual rates Monthly Death and insurance fee per $100,000 Skilled blue collar (class 4) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Asteron Life
17 Optimum insurance fees Individual rates Monthly Death and insurance fee per $100,000 Skilled blue collar (class 4) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. To calculate the insurance fee per $100,000 for Death and cover, add the Death Only and insurance fees together. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 15
18 Optimum insurance fees (continued) Individual rates Monthly Death and insurance fee per $100,000 Heavy blue collar (class 5) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 16 Asteron Life
19 Optimum insurance fees Individual rates Monthly Death and insurance fee per $100,000 Heavy blue collar (class 5) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Notes: N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. To calculate the insurance fee per $100,000 for Death and cover, add the Death Only and insurance fees together. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 17
20 Optimum insurance fees (continued) Group Death and rates insurance fee per $100,000 To calculate the Group Death and insurance rates for different occupational classifications, the following Group occupation loadings have been applied (to the Professional or class 1 rates): Group occupation loadings - Death and Occupation description Class Occupational factors for Death cover Occupational factors for cover Professional Managerial/Clerical Supervisor Skilled blue collar Heavy blue collar Not available 18 Asteron Life
21 Optimum insurance fees Group rates - Monthly Death and insurance fee per $100,000 Professional (class 1) occupations Age next Death only Death and Age next Death only Death and Notes: There may be minor variations in the insurancde rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 19
22 Optimum insurance fees (continued) Group rates - Monthly Death and insurance fee per $100,000 Managerial/ Clerical (class 2) occupations Age next Death only Death and Age next Death only Death and N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. 20 Asteron Life
23 Optimum insurance fees Group rates - Monthly Death and insurance fee per $100,000 Supervisor (class 3) occupations Age next Death only Death and Age next Death only Death and N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 21
24 Optimum insurance fees (continued) Group rates - Monthly Death and insurance fee per $100,000 Skilled blue collar (class 4) occupations Age next Death only Death and Age next Death only Death and N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. 22 Asteron Life
25 Optimum insurance fees Group rates - Monthly Death and insurance fee per $100,000 Heavy blue collar (class 5) occupations Age next Death only Death and N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Age next Death only Death and N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 23
26 Optimum insurance fees (continued) Group Death and rates sum insured for $0.50 per week Group rates - Sum insured for $0.50 per week Professional (class 1) occupations Age next Death only Death and 17 38,083 28, ,083 28, ,083 28, ,083 28, ,420 30, ,660 31, ,772 33, ,346 35, ,027 36, ,016 36, ,361 36, ,214 36, ,136 36, ,377 35, ,759 36, ,444 35, ,916 33, ,016 32, ,665 31, ,189 29, ,269 27, ,066 25, ,910 24, ,350 22, ,999 20, ,931 18, ,862 17,422 Age next Death only Death and 44 25,971 16, ,191 14, ,471 13, ,842 11, ,275 10, ,774 9, ,657 8, ,282 7, ,985 6, ,775 5, ,650 5, ,526 4,815 Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. 24 Asteron Life
27 Optimum insurance fees Group rates - Sum insured for $0.50 per week Managerial/Clerical (class 2) occupations Age next Death only Death and 17 38,083 28, ,083 28, ,083 28, ,083 28, ,420 30, ,660 30, ,772 32, ,346 34, ,027 35, ,016 35, ,361 35, ,214 35, ,136 35, ,377 34, ,759 35, ,444 34, ,916 32, ,016 31, ,665 29, ,189 28, ,269 26, ,066 24, ,910 23, ,350 21, ,999 19, ,931 18, ,862 16,793 Age next Death only Death and 44 25,971 15, ,191 13, ,471 12, ,842 11, ,275 10, ,774 9, ,657 8, ,282 7, ,985 6, ,775 5, ,650 5, ,526 4,567 Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 25
28 Optimum insurance fees (continued) Group rates - Sum insured for $0.50 per week Supervisor (class 3) occupations Age next Death only Death and 17 30,466 21, ,466 21, ,466 21, ,466 21, ,736 23, ,328 23, ,818 24, ,277 26, ,822 27, ,613 27, ,689 27, ,371 27, ,109 27, ,101 26, ,407 26, ,955 26, ,533 24, ,013 23, ,932 22, ,751 21, ,215 19, ,453 18, ,728 17, ,880 16, ,399 14, ,745 13, ,290 12,614 Age next Death only Death and 44 20,777 11, ,353 10, ,977 9, ,674 8, ,420 7, ,219 6, ,326 5, ,225 5, ,188 4, ,220 4, ,320 3, ,421 3,344 Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. 26 Asteron Life
29 Optimum insurance fees Group rates - Sum insured for $0.50 per week Skilled blue collar (class 4) occupations Age next Death only Death and 17 21,762 15, ,762 15, ,762 15, ,762 15, ,954 16, ,806 16, ,584 17, ,912 19, ,301 19, ,866 19, ,635 19, ,122 19, ,649 19, ,358 18, ,577 19, ,968 18, ,667 17, ,581 16, ,809 16, ,965 15, ,868 14, ,609 13, ,377 12, ,343 11, ,856 10, ,675 9, ,921 8,993 Age next Death only Death and 44 14,841 8, ,823 7, ,841 6, ,910 6, ,014 5, ,157 4, ,518 4, ,732 3, ,991 3, ,300 2, ,657 2, ,015 2,382 Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 27
30 Optimum insurance fees (continued) Group rates - Sum insured for $0.50 per week Heavy blue collar (class 5) occupations Age next Death only Death and 17 19,041 N/A 18 19,041 N/A 19 19,041 N/A 20 19,041 N/A 21 19,210 N/A 22 20,830 N/A 23 22,386 N/A 24 22,673 N/A 25 23,014 N/A 26 23,508 N/A 27 24,181 N/A 28 24,607 N/A 29 25,068 N/A 30 25,688 N/A 31 25,880 N/A 32 26,222 N/A 33 25,958 N/A 34 25,008 N/A 35 24,333 N/A 36 23,595 N/A 37 22,634 N/A 38 21,533 N/A 39 20,455 N/A 40 18,675 N/A 41 16,499 N/A 42 15,465 N/A 43 13,931 N/A Age next Death only Death and 44 12,985 N/A 45 12,095 N/A 46 11,236 N/A 47 10,421 N/A 48 9,638 N/A 49 8,887 N/A 50 8,329 N/A 51 7,641 N/A 52 6,992 N/A 53 6,387 N/A 54 5,825 N/A 55 5,263 N/A Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. 28 Asteron Life
31 Optimum insurance fees Group Death age based minimums Age next Death Cover Professional Managerial/ Clerical Monthly Death Insurance Fee Supervisor Skilled blue collar Heavy blue collar 21 50, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 29
32 Optimum insurance fees (continued) Individual Income Protection rates - insurance fee per $100 To calculate the Individual Income Protection insurance rates for different occupational classifications, the following Individual occupation loadings have been applied (to the Professional or class 1 rates): Individual occupation loadings - Income Protection Occupation description Class Occupational factors for Income Protection cover Professional Managerial/Clerical Supervisor Skilled blue collar Heavy blue collar 5 Not available 30 Asteron Life
33 Optimum insurance fees Individual rates Monthly Income Protection insurance fee per $100 monthly benefit Professional (class 1) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Optimum Corporate and Personal Insurance premiums and occupation ratings guide 31
34 Optimum insurance fees (continued) Individual rates Monthly Income Protection insurance fee per $100 monthly benefit Professional (class 1) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Notes: The figures above do not include stamp duty. There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. 32 Asteron Life
35 Optimum insurance fees Individual rates Monthly Income Protection insurance fee per $100 monthly benefit Managerial/Clerical (class 2) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Optimum Corporate and Personal Insurance premiums and occupation ratings guide 33
36 Optimum insurance fees (continued) Individual rates Monthly Income Protection insurance fee per $100 monthly benefit Managerial/Clerical (class 2) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Notes: The figures above do not include stamp duty. There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. 34 Asteron Life
37 Optimum insurance fees Individual rates Monthly Income Protection insurance fee per $100 monthly benefit Supervisor (class 3) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Optimum Corporate and Personal Insurance premiums and occupation ratings guide 35
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