At a glance. Income Protection. Protection to survive life s ups and downs.

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1 At a glance Protection to survive life s ups and downs. P r o t e c t i o n f i r s t

2 Why Protection? With Protectionfirst you have peace of mind knowing that you and your family will be financially secure and protected in the event of any unforeseen situations occurring during your lifetime. Our Life and Recovery Money policies pay a lump sum benefit to you or your loved ones. If you are unable to work because of injury or illness, our Income Protection policies can pay you a percentage of your regular income. About MLC Founded as a life insurance business for miners during the gold rush of 1887, MLC has become one of Australia s iconic brands. As the wealth management division of the National Australia Bank we provide investment, super, insurance and private wealth solutions to over 1.5 million people. We re also proud to have been voted Australia s Life Insurance Company of the year in 2009 for the fourth time in six years* and Australia s number one major financial advice group** for the past two years running. Looking after our customers interests and delivering value in the communities in which we operate has always been at the heart of what we do. * Australian and New Zealand Institute of Insurance ** CoreData, awarded to MLC/Garvan financial planning network

3 Recover in peace from life s ups and downs with MLCP Protection Income Excell or Gold Offering insurance that will pay you a monthly income if you become totally or partially disabled due to sickness or injury. MLCP Protection Income Excell and Gold can pay you a monthly amount and provides 24 hour worldwide protection if you: become totally disabled, or become partially disabled, or lose your life ^ ^ Payable as a Lump Sum Benefit. Receive up to 75% of your monthly income if you are unable to perform at least one of the important income-producing duties of your regular occupation (known as Total Disability Benefit ) A benefit is paid if you are working on a partial basis in your regular occupation and are earning less because of sickness or injury (known as Partial Disability Benefit ) 1 Your estate will receive six times the monthly payment as a lump sum if you lose your life while on a claim up to a maximum $60,000 (known as Death Benefit ) How much cover can you apply for? 75% of first $320,000 p.a. of gross income after Business Expenses, and 50% of gross income p.a. after Business Expenses, thereafter subject to a maximum Sum Insured of $30,000 per month Note: conditions and restrictions apply to all insurance and options. 1 Conditions apply.

4 Excell Recover in peace from life s ups and downs with MLCP Protection Excell Income Protection Excell will provide a benefit if you: become totally disabled, or become partially disabled MLCP Protection Excell will provide an income replacement if you are Totally Disabled or Partially Disabled as a result of either sickness or injury. Monthly benefits are paid until the end of a chosen benefit period. Benefits of Excell receive a monthly payment for a period of time if you suffer specific injuries or fractures, even if you return to work (known as Scheduled Injury Benefit ) 1 have your premiums waived if you become totally disabled or become retrenched (known as Waiver of Premium ) automatic protection for dependant children up to three times the monthly benefit to a maximum of $25,000 in the event of a dependant child s death or diagnosis of a specified critical condition (known as Child Income Benefit ) 2 reduce your waiting period (if it s 730 days) to 90, 180 or 365 days (known as Waiting Period Reduction ) continue an earlier claim with no further waiting period if you suffer recurring disablement within 12 months of receiving your last monthly benefit (known as Recurrent Claim Benefit ) enjoy automatic renewal of your policy until it expires providing you continue to pay your premiums (known as Guaranteed Yearly Renewable ) enjoy automatic annual increases in line with inflation 3 be automatically protected whilst we consider your application (known as Interim Cover ) receive benefits as a lump sum in the event of total and permanent disability (known as Lump Sum Option ) your estate will receive six months of payments as a lump sum if you lose your life while on a claim up to a maximum $60,000 (known as Death Benefit ) Extra benefits for extra Excell For an additional cost you can choose these options: 1. if you become totally disabled for more than 72 hours as a result of an accident we will pay a benefit during your waiting period (known as Accident Benefit Option ) 2. increase your cover without medical evidence increase your cover by up to 15% (every three years) to age 50 without health evidence (known as Guaranteed Insurability Option ) 3. paying you more claim benefits increase your benefit amount in line with inflation after receiving a benefit for 12 months (known as Increasing Claim Benefit ) 4. continue contributions to your nominated super account you can continue super contributions of up to 15% of salary to age 65 (known as Superannuation Maintenance Benefit ) Note: conditions and restrictions apply to all insurance and options. 1 Not available where the policy is held in a superannuation fund. 2 Conditions apply. 3 Minimum CPI is 5% p.a.

5 Gold Confidently manage life s ups and downs with MLCP Protection Gold Income Protection MLCP Protection Gold provides an income replacement if you are Totally Disabled or Partially Disabled as a result of either sickness or injury. Payments are made until the end of the chosen benefit period. Take a look at the benefits Gold has to offer. Gold will provide a benefit if you: become totally disabled, or become partially disabled, or suffer a critical medical condition Benefits of Gold Standard benefits with Gold : receive up to six times the monthly benefit if you are diagnosed with one of our defined critical conditions, even if you are still working (known as Critical Conditions Benefit ) have your premiums waived if you become involuntarily unemployed (known as Unemployment Waiver ) receive a proportion of your monthly benefit during your waiting period if you become totally disabled and confined to a bed and require the care of a nurse (known as Nursing Care Benefit ) if you are totally disabled and require formal rehabilitation, claim up to a total of six times the monthly benefit (known as Rehabilitation Expenses Benefit ) increase your Total Disability Benefit by 50% if totally disabled and engaging in rehabilitative employment (known as Rehabilitation Income Benefit ) receive up to $250 per day for your spouse s accommodation expenses if hospitalised more than 100km from home for more than 72 hours (known as Spouse Accommodation Benefit ) we will pay for your return airfare to Australia if disabled for more then 30 days outside Australia (known as Emergency Travel Benefit ) Extra benefits for Gold For an additional cost you can choose these options: 1. receive a third more for the Critical Condition Benefit, Death Benefit and Nursing Care Benefit as part of your policy, receive an extra one third on top of your monthly payment (known as Platinum Benefit ) 2. a higher monthly benefit for the first 12 months you can receive up to $40,000 for the first 12 months of sickness or injury to cover outstanding personal debts (known as Debt Replacement Benefit ) 3. continue payments to your nominated super account you can continue super contributions of up to 15% of salary to age 65 (known as Superannuation Maintenance Benefit ) 4. you become totally disabled for more than 72 hours as a result of an accident we will pay a benefit during your waiting period (known as Accident Benefit Option ) 5. paying you more claim benefits increase your benefit amount in line with inflation after receiving a benefit for 12 months (known as Increasing Claim Benefit ) 6. increase your cover without medical evidence increase your cover by up to 15% (every three years) to age 50 without health evidence (known as Guaranteed Insurability Option )

6 How do Excell and Gold compare? MLCP Protection Excell and Gold provide income replacement while you are Totally Disabled or Partially Disabled and unable to work as a result of either sickness or injury. Payments are made until the end of the chosen benefit period. You also have the option with Excell of having your policy held in a complying superannuation fund. Policies have the same structure, however Gold has several additional benefits and features to that of Excell. Take a look at how they compare. Feature Excell Gold Accident Benefit Option # O O Child Income Benefit # S S Continuation of Insurance Cover S S Critical Conditions Benefit # N S Death Benefit S S Debt Replacement Benefit # N O Emergency Travel Benefit # N S Guaranteed Insurability Option O O Guaranteed Yearly Renewable S S Increasing Claim Benefit O O Indexation (CPI) Benefit S S Interim Cover S S Lump Sum Option ON ON Nursing Care Benefit # N S Platinum Benefit # N O Recurrent Claim Benefit S S Rehabilitation Expenses Benefit # N S Rehabilitation Income Benefit # N S Scheduled Injury Benefit # S S Spouse Accommodation Benefit # N S Superannuation Maintenance Benefit O O Total & Partial Disability Benefit S S Unemployment Wavier # N S Waiting Period Reduction S S Waiver of Premium S S S Standard feature included in basic price O Optional feature at additional cost ON Optional feature at no additional cost N Not available # Not applicable if policy is held in a superannuation fund.

7 Income Daily Living Protecting yourself and those you care for the most MLCP Protection Income Daily Living will provide a benefit if you: become injured, or become sick MLCP Protection Income Daily Living provides you with income replacement if you are sick or injured. Benefits of Income Daily Living Take a look at the standard benefits that you receive with Income Daily Living: great cover a benefit payable in the event of sickness or injury extra comfort for critical conditions receive up to six times the monthly benefit if diagnosed with one of the defined critical conditions, regardless of your work status take care of your estate your estate receives a lump sum benefit upon death whilst receiving benefits from the policy caring for your dependant children a lump sum if your dependant child loses their life or is diagnosed with one of 16 defined critical illness conditions disabled claim waiting period no waiting period is applied if you become disabled within 12 months of a disability claim from the same or related cause Guaranteed Renewable Contract enjoy automatic renewal of your policy until expiry (providing premiums are continually paid) flexible protection receive automatic annual increases in your cover in line with inflation put aside your premiums have your premiums waived for the period you receive benefits under this policy benefit from automatic cover be protected with interim cover whilst still completing your application How much can you apply for? If you become sick or injured, you can apply for up to $5,000 per month 1 and automatically receive: insurance for Loss of Life up to $30,000 lump sum, 2 and insurance for dependant children up to $15,000, 3 and insurance if diagnosed with a defined critical condition up to six times the monthly benefit. Note: conditions and restrictions apply to all insurance and options. 1 $3000 maximum initial monthly sum insured when not working and $5000 maximum initial monthly sum insured when working in an occupation that typically would not pay income protection benefits based on 75% of income. 2 Six times the monthly benefit and paid as a lump sum. 3 three times the monthly benefit and paid as a lump sum.

8 Protectionfirst took care of me when I needed them most What makes US stand out Family. Security. Health. These are the major areas of life which John considers important. But when things took an unexpected turn for the worse, Protectionfirst took care of what s important. I signed up for Income Gold cover in 2004, says John. My adviser and I talked about the options but I was particularly attracted to Protectionfirst because it would support me through a partial disability. When I had my car accident in France, I really didn t know what to do. Even though I was only partially disabled and was able to earn a reduced income at work, I could still access my monthly payments with Protectionfirst. It only required a phone call to start processing my claim. They even started paying me while my claim was being approved. This was a great relief for my wife, who doesn t work, and was in a mild panic as well. Because the accident happened outside Australia, they even covered the cost of my airfare to return home, and the accommodation expenses overseas for my wife while I was in care. When I got home, Protectionfirst helped cover some of the expenses required to modify my home due to my disability. It was a great help. The above information is prepared by MLC Limited ABN AFSL The information is general in nature and does not take into account your particular objectives, financial situation or needs. To find out more, talk to your financial adviser. Disclaimer: This document is issued by MLC Limited ABN AFSL The information in this document is general in nature and does not take into account your particular objectives, financial situation or needs. Before making a decision to acquire or dispose of a financial service product you should consider the relevant Product Disclosure Statement (PDS) and consider whether it is appropriate for your particular objectives, financial situation or needs. Applications to obtain insurance under Protectionfirst must be made by completing the application form attached to the Protectionfirst PDS which is available from your financial adviser or from mlc.com.au. The above information is current as at the date of publication. While every attempt has been made to ensure the accuracy and reliability of the information, it is not guaranteed in any way. The information reflects our understanding of existing legislation, proposed legislation, rulings etc as at the date of issue. Issue date: October 2010 MLC_AV800U_1010 MLC Limited ABN AFSL GPO Box 2567W Melbourne VIC 3001 Client Services Fax mlc.com.au NULIS Nominees (Australia) Limited ABN AFSL MLCS Superannuation Trust ABN

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