Zurich Life Risk Zurich Protection Plus

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1 Product Summary Issued 1 March 2015 Zurich Life Risk Zurich Protection Plus Adviser use only

2 Zurich Protection Plus is a flexible package which allows you to choose any combination of Death cover, TPD cover and Trauma cover. Within these covers there are a number of in-built and optional benefits. This is a summary only of the in-built benefits and optional extras available in Zurich Protection Plus. Please read the Zurich Wealth Protection PDS for all terms and conditions, including relevant exclusions. Death cover (in-built benefits) Death benefit if the life insured dies during the term of the policy, Zurich will pay the Death benefit. Terminal illness benefit if the life insured is diagnosed as terminally ill with 12 months or less to live, Zurich will advance 100 per cent of the Death benefit. Advancement for funeral expenses while a claim is being settled Zurich may advance up to $15,000 of the Death benefit towards the payment of funeral expenses. Applications must be made by the policy owner or estate and include a death certificate and invoice for funeral costs. Accidental injury benefit if the life insured loses the use of a hand or the use of a foot or the sight of one eye Zurich will pay the lesser of 25 per cent of the Death cover or $500,000. If the life insured loses the use of both hands or the use of both feet or the sight of both eyes or any combination of two of the following: the use of one hand, the use of one foot, or the sight of one eye, 100 per cent of the Death cover up to a maximum of $2 million will be payable. Other benefits will be adjusted by the amount paid under this benefit. Buy back death benefit (TPD) if TPD cover is also selected, if a TPD claim is paid the insured can reinstate Death cover after 12 months. Buy back death benefit (Trauma) if Trauma cover is also selected, if a Trauma claim is paid the insured can reinstate Death cover over a three year period (one third per claim anniversary). Future insurability business benefit on certain specified occasions related to business circumstances (depending on the purpose of the policy) such as re-valuation of the business, the policy owner may increase the sum insured within guidelines, without further assessment of health. TPD cover (in-built benefits) Total and Permanent Disablement (TPD) benefit if the life insured suffers total and permanent disablement during the term of the policy and prior to the TPD benefit expiry date, Zurich will pay the TPD benefit. To be eligible for a TPD benefit, the life insured must satisfy a specific three month disablement qualification period (unless the claim is for a specific loss). A choice of any occupation or own occupation TPD is available. The life insured will meet our definition of any occupation total and permanent disablement if he or she is unlikely to ever work (for reward or otherwise) in his/her profession, business or similar occupation or engage in any other occupation to which he/she is fitted by education, training or experience for the rest of his/her life as a result of sickness or injury. The life insured will meet our definition of own occupation total and permanent disablement if he or she is unlikely to ever work in his/her own occupation for the rest of his/her life as a result of sickness or injury. = available under non-super ownership = available under super ownership (additional conditions may apply) Page 2 of 6

3 Regardless of which TPD type you choose, the life insured will also meet our definition of total and permanent disablement if he or she: suffers a specific loss (the entire and irrevocable loss of use of: a hand and sight in one eye/a foot and sight in one eye/sight in both eyes/one hand and one foot/both hands/both feet) is unable to perform normal domestic duties is unable to perform at least two activities of daily living (bathing and showering/dressing and undressing/eating and drinking/using a toilet/moving from place to place by walking, wheelchair or with the assistance of a walking aid) suffers cognitive impairment is unlikely ever to earn more than 25 per cent of his/her earnings prior to sickness or injury. Restrictions and limitations apply from the policy anniversary following the life insured s 64th birthday and if the life insured is engaged in home duties. Under super ownership, the life insured must, in all cases, also be unlikely to engage in gainful employment in any occupation fitted by education, training or experience. You should refer to the PDS for more information. Partial TPD benefit pays 25 per cent of the TPD benefit, up to $500,000 for entire and irrecoverable loss of use of: one hand; or one foot; or the sight of one eye. Trauma cover (in-built benefits) Trauma benefit Basic or Extended trauma cover is available (see below). Basic trauma provides cover for the following list of 12 conditions: benign tumour of the brain or spinal cord chronic kidney failure coronary artery bypass surgery* diplegia heart attack* hemiplegia loss of speech major organ transplant malignant cancer* paraplegia quadriplegia stroke*. or Extended trauma provides cover for the following list of 42 conditions: advanced diabetes aorta repair aplastic anaemia bacterial meningitis benign tumour of the brain or spinal cord blindness cardiomyopathy chronic kidney failure chronic liver disease chronic lung disease coma coronary artery bypass surgery* deafness dementia (including alzheimer s disease) diplegia encephalitis heart attack* heart valve surgery hemiplegia loss of independence loss of limbs or sight loss of speech major head trauma major organ transplant malignant cancer* medically acquired HIV motor neurone disease multiple sclerosis muscular dystrophy occupationally acquired hepatitis B or C occupationally acquired HIV out of hospital cardiac arrest paraplegia parkinson s disease pneumonectomy primary pulmonary hypertension quadriplegia severe accident or illness requiring intensive care severe burns severe rheumatoid arthritis stroke* triple vessel coronary artery angioplasty. * An elimination period applies to these conditions. Refer to the PDS for more information. Page 3 of 6

4 Partial trauma benefit (Extended trauma with minimum cover of $100,000) we will pay 10 per cent of the Extended trauma benefit (up to $25,000) if the life insured suffers: carcinoma in situ* colostomy or ileostomy* diabetes (type 1)* early stage chronic lymphocytic leukaemia* early stage melanoma* early stage prostate cancer* facial reconstructive surgery and skin grafting guillain barre syndrome* loss of hearing in one ear minimally invasive cardiac surgery including coronary artery angioplasty* single loss of limb or eye The Trauma benefit amount is then reduced by the amount paid. Once the insured qualifies for a Trauma benefit, the remainder of the benefit will be paid. Paralysis booster benefit the Trauma benefit will be doubled if the life insured suffers from paralysis (diplegia, hemiplegia, quadriplegia or paraplegia), to a maximum total payment of $2,000,000. Funeral benefit if Trauma cover is stand-alone, we will pay a Death benefit of $5,000 if the life insured dies during the term of the policy and is not entitled to be paid a Trauma benefit for one of the specified Traumas. In-built provisions (apply to all policies) Interim cover while Zurich is assessing the application, we will provide interim accidental death cover for up to 90 days. Inflation protection Zurich will offer to index the sum insured each year by the greater of the CPI and 5 per cent. Future insurability on specified occasions related to personal circumstances such as marriage or birth of a child, the policy owner may increase the sum insured within guidelines, without further assessment of health. Financial planning advice Zurich will reimburse up to $3,000 toward the cost of financial planning advice after a benefit has been paid. Premium freeze the policy owner may elect to freeze the premiums, in which case they will continue to pay the same amount and the sum insured will be reduced annually. Premium holiday the policy owner may request a 3, 6, 9 or 12 month break in cover (maximum 12 months over the life of the policy) except under a Platform arrangement. Optional extras (for an additional premium) Premium waiver option this option will waive premiums in respect of a life insured, for all benefits under the policy, if the life insured is totally disabled prior to age 70. Accidental death option a nominated benefit amount is paid on accidental death prior to age 75. Cover is available between $50,000 and $1,000,000. Living activities TPD option a nominated lump sum amount is paid on the life insured s inability to perform at least two activities of daily living, cognitive impairment or specific loss. Business future cover option if the policy is for business insurance purposes the policy owner can increase the sum insured annually prior to age 65 for Death cover (age 60 for TPD cover or Trauma cover) in line with changes in the value of the business or key person, without any further assessment of good health. This option can also be exercised on a policy that has multiple business purposes. Needlestick cover option a nominated benefit amount is paid on occupationally acquired HIV, Hepatitis B or Hepatitis C. Cover is available between $50,000 and $1,000,000. Only available to people working in exposure-prone occupations. Insured child option covers each insured child for death, terminal illness and 18 specified trauma events. Includes a carer benefit for parents who stop work to care for a seriously ill or injured child and can convert to a stand alone policy on the policy anniversary after the child s 18th birthday. Double TPD option Death cover is reinstated 14 days after a TPD claim. All future premiums for the reinstated cover are waived until the policy expiry date. Buy back TPD option where both Trauma cover and TPD cover are selected, this option will allow TPD benefits to be reinstated after the payment of a trauma claim over a three year period (one third per claim anniversary). TPD benefits will not be payable if the claim is for the same or a related cause under which the Trauma benefit was paid. Page 4 of 6

5 Product parameters Age limits Death cover TPD cover Trauma cover Entry age: Entry age: (69 for Living activities TPD option) Cease age: 99 Cease age: TPD cover with Extended trauma: 65 All other instances: 99 (limited conditions apply from age 64) Entry age: Cease age: Extended trauma with Death cover: 99 (limited conditions apply from age 75) All other instances: 75 Trauma reinstatement option if Extended trauma is selected, this option allows reinstatement of Trauma cover 12 months after the payment of a trauma claim. A claim cannot be made under the reinstated Trauma cover for a condition which is the same as or related to the original claim. Double trauma option if Extended trauma is selected, this option reinstates Death cover 14 days after a Trauma claim. All future premiums for the reinstated cover are waived until the policy expiry date. Top-up option if Extended trauma is selected, this option increases the amount payable under the Partial trauma benefit to 25 per cent of the Trauma cover sum insured, subject to a maximum of $200,000 ($50,000 for angioplasty). Accelerated buy back death option where both Death cover and Trauma cover are selected this option allows repurchase of Death cover 12 months after the payment of a trauma claim. Tailored super structuring It is possible to have a Zurich Superannuation Term Life Plus policy which is related to a Zurich Protection Plus policy, or two related Zurich Protection Plus policies (where one of the policies is owned by the trustee of a superannuation fund). This allows a mixture of super and ordinary benefits to be linked. Linked benefits provide a cost-effective package of cover overall, but can normally only be selected within a single policy. Related policies remain as two separate policies but will behave as if all linked benefits are combined on one policy, which means that a claim on one cover will impact the other. Within the related policies structure, TPD can be set up as: any occupation TPD (in super) and own occupation TPD superlink (outside super), allowing both own and any occupation TPD to be put in place without any overlap of premium. However, only one TPD benefit can be payable. More information about related policies and restrictions applying to cover issued under superannuation ownership is set out in the PDS. Page 5 of 6

6 For more information please contact your risk specialist Business Development Manager on Key exclusions Death, TPD & Accidental death covers A claim will not be paid under the policy if: the death of the life insured resulted from suicide within 13 months of commencement or reinstatement, or disablement had resulted from attempted suicide or self-inflicted injury, or for accidental death a claim is the result of suicide. Trauma cover A claim will not be paid under the policy if: the claim resulted from attempted suicide or self-inflicted injury. Premium holiday The policy must be in force for 12 months before a premium holiday is available. No cover is provided for any insured event apparent or occurring during a premium holiday. Premium waiver option Premiums will not be waived for sickness or injury occurring as a direct or indirect result of: an intentional self inflicted act attempted suicide uncomplicated pregnancy or childbirth an act of war. Insured child option A claim will not be paid if the insured event is caused directly or indirectly by: an intentional self-inflicted act or attempted suicide within 13 months of commencement the intentional act of the policy owner or person who will otherwise be entitled to the benefit payable. Needlestick cover option A claim will not be paid if: a cure is found for HIV, Hep B or Hep C, or HIV, Hep B or Hep C is contracted other than as a result of an occupational accident. This publication is dated 1 March 2015 and does not take into account your personal objectives, financial situation or needs. Therefore you should consider these factors, the appropriateness of the information provided, and the Zurich Wealth Protection Product Disclosure Statement (PDS) (available on or by calling us on ) before making a decision. The information in this publication is a summary only and there are relevant exclusions and conditions. Zurich Australia Limited ABN AFSLN is the issuer of Zurich Protection Plus. Zurich Australia Limited ABN , AFSLN Blue Street North Sydney NSW 2060 Client enquiries Telephone: ZU V6 02/15 - NGAL

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