Are your retirement plans safe? Retirement Protection Plan
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- Mervin Harrison
- 3 years ago
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From this document you will learn the answers to the following questions:
What are the other options that you can choose to insure?
What does the portfolio include?
What does the MLC Personal Protection Portfolio offer to your son or daughter?
Transcription
1 MLC Insurance Are your retirement plans safe? Retirement Protection Plan
2 Are your retirement plans safe? Consider a protection plan
3 Retirement Protection Plan If you re approaching retirement, you may be wondering how life is going to treat you on the health and financial fronts. These can be challenging enough in themselves. However, if something happened to your son or daughter and they weren t insured, you d want to make sure your grandchildren were looked after financially, whether you became the legal guardian or played a supportive role. You wouldn t be alone. Around 22,500 Australian grandparents are already looking after their grandchildren. 1 Grandparent families by age of youngest child. 1 % Age group (years) 1 ABS: Family Characteristics, Australia, Page 01
4 A growing concern While financial worries wouldn t be top of mind during such family trauma, if your adult child hasn t planned ahead there could be serious financial pressure on your retirement funds. By investing in Life and/or Total & Permanent Disability, and/or Critical Illness insurance, your adult child can ease the financial pressure of raising their children. This means you can focus on providing the emotional support and family structure to stabilise your grandchildren s home life. The cold hard facts An adequate standard of living in retirement requires 70-80% of pre-retirement expenditure. 1 Baby Boomers are expected to live, on average, some seven years longer than their parents. 2 Cancer has overtaken cardiovascular disease as the leading cause of burden. 3 1 The Australia Institute; Rich Boomer, Poor Boomer, NATSEM, Wealth and Inheritance, Australian Institute of Health and Welfare, Cancer and heart disease cause the biggest burden, Page 02
5 Start the conversation So while talking to your grown, self-sufficient, child about their financial obligations may be difficult, you owe it to yourself and your grandchildren to start the conversation as soon as possible. Here are some statistics to help you with the conversation To raise two children from birth to age 21 can cost $537, You may find you can t get State education allowances or school cards. 2 If you re a self-funded retiree (or still in the workforce) Centrelink s Means Tests may result in you not being eligible for any family support payment. 2 All of which would put a serious dent in your retirement nest-egg. At a time when individuals are increasingly expected to self-fund in retirement, Baby Boomers have become the bunnies, caught in a situation in which they are being asked to do something they do not have the capacity to do. Source: The Australia Institute; Rich Boomer, Poor Boomer, NATSEM, Australian child costs in Australian Institute of Family Studies, Grandparents raising grandchildren a new class of disadvantaged Australians, Page 03
6 Making insurance more affordable long-term When your adult child takes out insurance, there are generally two ways they can pay their premium (rather like choosing between a fixed or variable rate home loan). 1. A stepped premium that is calculated each year in line with their age. 2. Or a level premium that is calculated based on their age when the cover commenced. While stepped premiums are usually lower in the early years, level premiums can be a more cost-effective option if your son or daughter continues the insurance over a longer period. Page 04
7 Stepped vs Level Premium Comparison. Life Cover / Total & Permanent Disability (TPD) / Critical Illness. Assumptions: Male, age 38, non-smoker. Life Cover Standard of $1 million, Critical Illness of $500,000 and TPD of $500,000. Based on MLC Limited s premium rates as at 1st May The sum insured is not indexed by inflation. When deciding which premium option, it pays to keep in mind insurance is about protecting your child s debts and income for the long-term. As you can see, level premiums 1 are consistent over time, while stepped premiums increase dramatically as you get older. 1 Level premium doesn t mean your premiums are guaranteed or do not change. Level premium rates may increase over time due MLC Premium Sustainability to rate increases, CPI increases and policy fee increases. Income However, Protection: unlike stepped male premium, age 40 level non premium smoker (excluding CPI and the policy fee) doesn t go up by age-related increases. Page 05
8 Benefit from up-front tax concessions Buying insurance through super makes super sense, especially as your son or daughter may be able to take advantage of a range of up-front tax concessions that generally 1 aren t available when insuring outside super. For example: if your son or daughter receives less than 10% of their total income 2 from eligible employment (eg they re self-employed or not employed), they can generally claim their super contributions as a tax deduction. This is regardless of whether the contributions are used by the super fund to purchase investments or insurance; if they re an employee and are eligible to make salary sacrifice contributions, they may be able to buy insurance through a super fund with pre-tax dollars; or 2 if they earn less than $60,342 pa they may be eligible to receive a Government co-contribution 3 of up to $1,500 that could help cover the cost of insurance. These concessions can make it cheaper to insure through a super fund, or help your son or daughter to purchase a higher level of cover. For many people, once all their other essential day-to-day bills are paid, there can be little left over to pay the insurance premiums. If your son or daughter is in this situation, rather than risk going without insurance, insuring through super offers a potential solution as the premiums can be deducted from their account balance. 1 If your son or daughter purchases income protection insurance outside a super fund, they may be eligible to claim the premiums as a tax deduction. 2 Includes assessable income plus reportable fringe benefits. 3 To qualify for a Government co-contribution, your child will need to meet certain conditions. Page 06
9 Case study David & Susan Jones David was 15 when he started an apprenticeship at his local steel works. Forty years later, he was still working at the same factory. His wife Susan has kept the family ticking along, having raised four children to become independent adults with their own families. After a company restructure was announced, David took the opportunity to ask for a redundancy and succeeded in getting a healthy redundancy package. This, together with his superannuation and accumulated benefits, meant David and Susan were sitting pretty for an early retirement. Both David and Susan viewed this as a great opportunity to enjoy time with their grandchildren and to travel around Australia. On Boxing Day of that year, David s eldest son Rodney had a massive brain haemorrhage and passed away. And, because he was young and didn t see the need for any life insurance, Rodney left his wife Erin and three children without any means of support. As any parent or grandparent would, David & Susan took in Erin and the kids into the family home. The unplanned financial impact on David, Susan and their retirement plans was devastating and they were unable to do most of the things that they had hoped 40 years of work would allow them to do. This case study is for illustrative purposes only. Page 07
10 What should I do? Speak to your financial adviser about how to protect and manage the financial future of both you and your loved ones. For example, you could pay for your child s insurance if they aren t in a position to do so themselves. Another example is choosing MLC Personal Protection Portfolio, a comprehensive portfolio of insurance that protects against specific risks and allows your son or daughter to choose the cover they want, when they want. It even gives them the flexibility to rearrange their cover as their circumstances change. 1 The portfolio includes: Life Cover, Critical Illness, Total and Permanent Disability, Income Protection, Business Expenses. Essentially, the MLC Personal Protection Portfolio can help your son or daughter to protect their family s financial future. And, because it s a specially designed package of insurance, generally they pay only one policy fee, no matter how many types of insurance they choose as part of the portfolio. 1 Full details are contained in the MLC Personal Protection Portfolio Product Disclosure Statement. Page 08
11 Important information This flyer is published by MLC Limited (ABN , AFSL ), who has its registered office at Miller Street, North Sydney NSW MLC Limited is a member of the National Australia Group of companies, and is the issuer of Personal Protection Portfolio (PPP). A PPP policy does not represent a deposit with, or a liability of, National Australia Bank Limited (ABN ) or any other member of the National Australia Group of companies (other than a liability of MLC Limited as insurer). The flyer is intended to provide general information only, without taking into account any person s objectives, financial situation or needs. A person should, before acting on this information, consider the appropriateness of the information having regard to their personal objectives, financial situation or needs. A person should obtain financial advice regarding his or her own circumstances before making any insurance decision. The product information contained in this brochure must be read in conjunction with the Product Disclosure Statement (PDS) and the Policy Document as terms, conditions and exclusions apply. Information about MLC Personal Protection Portfolio (PPP) and MLC Life Cover Super (LCS) are contained in the current version of the PDS. Applications for PPP and LCS, which are subject to acceptance by MLC, must be made on the Application Form contained in the PDS. Persons should obtain a copy of this PDS and consider it before making any decision about whether to acquire or hold the product. A copy of the PDS is available upon request by phoning MLC on or by visiting our website at mlc.com.au. MLC Nominees Pty Limited (ABN , AFSL , RSE L ) of Miller Street, North Sydney, NSW 2060 is the issuer of MLC Life Cover Super as Trustee for The Universal Super Scheme ( the Scheme ) (ABN , R ). As Trustee of the Scheme, MLC Nominees Pty Limited is responsible for the management of the Scheme; MLC Life Cover Super is part of the Scheme and when you obtain an interest in MLC Life Cover Super, you become a member of the Scheme. Neither National Australia Bank Limited, nor any other member of the National Australia Group of companies (other than MLC Limited as insurer) guarantees or accepts liability in respect of PPP. A PPP policy and an interest in a LCS policy held through the Scheme does not represent a deposit with or liability of MLC, National Australia Bank Limited (ABN , AFSL ) or any of their related bodies corporate (other than a liability of MLC Limited as insurer). Neither National Australia Bank Limited, nor any of its related bodies corporate (other than MLC Limited as insurer) guarantees or accepts liability in respect of PPP and LCS.
12 MLC Insurance How to contact MLC For more information call MLC from anywhere in Australia on or contact your adviser Website: mlc.com.au Postal address: MLC Limited, PO Box 200 North Sydney, NSW M0708
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