Life insurance: who to refer to BTAC
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- Annabel Quinn
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1 Life insurance: who to refer to BTAC Referrals to BT Advice Centre Customers call Bankers call 13 BTAC For internal use only. To be used for customers who do not meet criteria to see a Financial Planner. This information must not be copied, used, reproduced or otherwise distributed or circulated to any retail customer or any other party. Expires 31 December 2015.
2 Insurance is important Types of cover Everyone can benefit from some level of insurance A quick recap on the most common types of cover Everyone can benefit from some level of insurance but there are specific points in life when people need to seriously consider their personal insurance needs: ` buying a new home or increasing their mortgage ` getting married or divorced ` having children ` getting a new job or pay increase Customers must be eligible for insurance and be able to afford it. The following booklet will help you to determine those customers who may benefit most from a referral to BT Advice Centre, when the customer isn t the right fit for comprehensive financial planning or doesn t want to see a financial planner. As well as promoting the BTAC service to new customers, the Firefly search section suggests which of your existing customers may benefit from a conversation about insurance, so you can be proactive in winning all of your customers business. The booklet sets out some insurance products customers may want to consider. Customers should be referred to BTAC to discuss further. Term Life Pays a benefit in the event of death or on diagnosis of terminal illness. Living insurance Pays a benefit if the insured person suffers from a specified Medical Event such as cancer, a heart condition or loss of a limb (also referred to as trauma insurance). Total and Permanent Disablement (TPD) Insurance Pays a benefit if the insured person is unlikely to work again, perform household duties again, or suffer a loss of ability due to a permanent disability. Income Protection Provides an income replacement benefit for up to 75% of the insured person s regular monthly earnings if they re unable to work at their full capacity due to sickness or injury. For more information and definitions, refer to the current Westpac or BT Protection Plans Product Disclosure Statement (PDS)
3 Customers who may benefit most New families New homeowners Payrise Age Income & lifestyle At least one parent working Young children or baby on the way Single or double income New job or pay increase Want to Protect their family s future lifestyle Protect their home and lifestyle Protect their lifestyle, increase cover Products ` Life Insurance ` Total & Permanent Disablement (TPD) Life Insurance ` Total & Permanent Disablement (TPD) Life Insurance Total & Permanent Disablement (TPD) Relatively affordable - costs less than car insurance The ability to earn is the customer s most important asset Premium may be tax deductible
4 Take into account... Is it affordable? Is the customer eligible? SALE 60+ On a tight budget Bargain hunters Too old Pre-existing medical condition Sickness, accident and death are 3 of the top 5 reasons to default on a mortgage. Can they afford not to have insurance? Westpac prides itself on product, service, financial strength and charging a fair price. The best offer is not always the cheapest. Age limits apply. For example: ` Income protection is available up to age 59 ` Life insurance is available up to age 69 People with pre-existing conditions can still be referred. Their medical assessment may take longer and in some cases cover may be restricted to exclude some conditions but other insurance needs may still be met
5 Likelihood of taking out insurance: Young family Homeowners Joint applicants Price seekers High Medium Low Policy upgrades Older people BT lc
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