Protect your family. ClearView LifeSolutions. Life Cover, Trauma Cover and other tailored insurances

Transcription

1 Protect your family ClearView LifeSolutions Life Cover, Trauma Cover and other tailored insurances

2 Insurances to meet your needs Defence Health has partnered with ClearView to provide an extensive range of tailored insurances Products for serving members of the ADF and active Reservists Life Cover Trauma Cover Parent Cover Child Cover All products available are: Life Cover Total and Permanent Disability (TPD) Cover Trauma Cover Child Cover Parent Cover Income Protection Cover Business Expense Cover Accidental Death Cover Accidental TPD Cover Accidental Income Protection Cover

3 Do I need insurance? Ask yourself the following questions: What would happen if I became ill or injured and couldn t work? Would I have enough money to keep up with my loan repayments? How much would I need to cover the family s monthly bills? How would we maintain our lifestyle? How long could we survive on our existing assets? How would my family cope financially if I passed away? If you are struggling to answer these questions then you should consider your insurance needs. ClearView has a range of life insurance options, each with different benefits and features.

4 Which insurance is right for me? This will depend on a variety of factors, such as your age and stage of life, family structure, lifestyle and debt. Different products suit different situations. Here are some of the key features of ClearView LifeSolutions insurances. Life Cover There are moments in life that can take us by surprise. And some of those surprises can have serious financial implications. Life Cover provides a lump sum benefit in the event of death or terminal illness. The level of cover you need will be determined by your circumstances and budget. The lump sum could be used to repay debts such as a mortgage, invested to create a future income stream, or to meet education or childcare expenses. Trauma Cover Traumatic events can strike at any time. But with Trauma Cover you could receive a lump sum benefit to take the pressure off while you get back on your feet. Or you might need the benefit to access medical treatment for your condition, or to pay off debt and cover daily living expenses. Benefits are paid if you suffer one of 44 specified trauma conditions. The Trauma Plus Option provides cover for an additional 13 conditions. Unique benefits for serving members of the ADF and active Reservists War zone cover cover must be in force before you know you are to be deployed Continuation of cover after discharge Serving members of the ADF and active Reservists can only purchase Life Cover, Trauma Cover, Parent Cover and Child Cover*.

5 Accident Cover Accident Cover is a practical alternative for people with existing health conditions or injuries that could be too costly to insure under other cover. ClearView LifeSolutions comprehensive range of accident cover ensures your family s financial future is secure in the event of a serious accident. Accident Cover is simple to purchase and does not require a medical assessment. The variations on Accident Cover include: Accidental Death Cover pays a lump sum benefit if you die as a result of an accident. Accidental TPD Cover pays a lump sum benefit if you are totally and permanently disabled as a result of an accident and unlikely to ever work again. Accidental Income Protection Cover pays an ongoing monthly benefit if you are totally or partially disabled as a result of an accident and unable to work. Income Protection Cover Your ability to earn an income is one of your most valuable assets if not the most valuable. If you are dependent on your income to pay your bills and maintain your current standard of living, then you may want to consider Income Protection cover. Income Protection cover pays an ongoing monthly benefit of up to 75% of your income if you are unable to work as a result of sickness or injury. The benefit will continue to be paid for a specified period while you remain totally (or partially) disabled. Premiums are generally tax deductible. Accident Cover and Income Protection Cover are not available to serving ADF members or active Reservists*. * For further terms and conditions please refer to the LifeSolutions PDS and Policy Document which can be accessed at defencehealth.com.au

6

7 Features to suit you Worldwide cover you are fully covered, 24 hours a day anywhere in the world. Guaranteed renewable your cover will not be cancelled or your premium increased due to a change in your health, occupation or pastimes. Guaranteed upgrade of benefits premium-neutral product enhancements are automatically added to your policy. Indexation Benefit annual indexation of your benefit amount maintains real value. Future Increase Benefit as life changes you can increase your cover up to certain limits without further medical assessment. This makes it easier for you to maintain the right level of cover for your needs.

8 Find the right solution for you It s important to find the right fit. That s why we d like to talk to you about ClearView LifeSolutions to help you determine the structure of cover that will keep you and your family protected. Call the Defence Health Life Insurance team today for a no-obligation quote. Or go online to defencehealth.com.au for an indicative quick quote. For more information about ClearView LifeSolutions please read the Product Disclosure Statement. Contact Us Visit defencehealth.com.au to get a quick quote or give us a call on This information is intended to provide general information only and has been prepared without taking into account any particular person s objectives, financial situation and needs. Before acting on such information, you should consider the appropriateness of the information having regard to your personal objectives, financial situation and needs. You should read the relevant Product Disclosure Statement (PDS) and Policy Document before making any decision about a product which can be accessed at defencehealth.com.au. If you purchase a policy, Defence Health receives a commission that is 10% to 20% of your premium. ClearView LifeSolutions issued by ClearView Life Assurance Limited ABN AFSL ClearView LifeSolutions Super issued by ClearView Life Nominees Pty Limited ABN AFSL , as trustee of the ClearView Retirement Plan ABN Defence Health Limited ABN AFSL D0976/1123/10-15