# Death and Total and Permanent Disablement (TPD) Cover Fact Sheet

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2 What is the automatic life-stage increases feature? The automatic life-stage increases feature automatically increases your units of cover when you move from one age bracket to another. Table of age brackets for the automatic life-stage increases Age next birthday To age to to to to 70 5 Units of cover The automatic life-stage feature means that the dollar amount of cover you have will automatically increase at a time when you are most likely to need it because of your greater commitment to work and family. This is demonstrated visually in the graph below. Who is eligible to receive the automatic life-stage increases feature? The automatic life-stage increases feature is the default cover if you join through an Energy Super employer unless your employer has nominated and pays for a set number of default units for you. If you join Energy Super by direct application you are able to select the automatic life-stage increases feature when you apply for Death and TPD insurance cover. Life-stage cover with automatically increasing units 450, , , , , , , ,000 50, Please note: As your age-based units automatically increase your sum insured initially increases but then reduces in line with the age based benefit table on page 25. The trend line from age 39 to 70 represents the value of 5 units of cover diminishing each year to age 70. Age 2 of 7

4 Fixed-dollar cover If you choose to have fixed-dollar cover the cost of this insurance cover is calculated by dividing your fixed amount of cover by 1,000 and multiplying the answer by the cost per \$1,000 of cover for your age next birthday (see table to the right). Cost of fixed-dollar cover If you have \$500,000 of fixed-dollar Death and TPD cover the annual cost will depend on your age next birthday. For example: If you are currently age 34 the annual cost will be 500,000/1,000 X 0.70 = \$ If you are currently age 44 the annual cost will be 500,000/1,000 X 1.89 = \$ TPD cover reduces after age 61 A tapering benefit applies to your fixed-dollar TPD cover after you reach age 61, and continues to reduce through to age 70 when cover stops. The age-based taper is a percentage of your insured amount as follows: Age next birthday 62 90% 63 80% 64 70% 65 60% 66 50% 67 40% 68 30% 69 20% 70 10% % of fixed cover Please note: Your benefit will generally be paid as a lump sum. Cost of Death and TPD cover (annual cost per \$1,000 sum insured) STANDARD COST Age Death next & TPD birthday (\$) Death Only DISCOUNTED COST Age Death next & TPD Death birthday (\$) Only Up to Up to of 7

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