Optimum Corporate and Personal. Insurance Premiums and Occupational Ratings Guide

Transcription

1 Optimum Corporate and Personal Insurance Premiums and Occupational Ratings Guide Issued 31 December 2013

2 Important note Suncorp Portfolio Services Limited (Trustee) (ABN , AFSL , RSE Licence No L ) is the issuer of this Guide and takes responsibility for its contents. This Guide is issued on 31 December The information in this document forms part of the Product Disclosure Statement (PDS) for Optimum Corporate Super and Optimum Corporate Super for Standard Pacific issued on 31 December Insurance cover offered through this product is provided by Suncorp Life & Superannuation Limited (SLSL) (ABN , AFSL ) in a policy issued to the Trustee. The information contained in this Guide is of a general nature only and not personal advice. In preparing this material, we have not taken into consideration your personal objectives, financial situation or financial needs. You should read the Product Disclosure Statement (PDS) for Optimum Corporate Super, Optimum Corporate Super for Standard Pacific or Optimum Personal Super before making a decision to acquire or continue to hold the product. You should speak to your adviser before making an investment decision. The information provided is up to date at the time of preparation. We may change or update the information from time to time. We will advise of any change on our website at as a Product Information Update. The PDS is issued by the Trustee and is available at or by calling us on

3 About this guide This guide contains standard insurance rates and should only be used as a guide. If your employer has arranged insurance cover with another insurer agreed by the Trustee, the information in this guide may not apply to you. Your welcome pack will include details of your insurance benefits and costs, the insurance policy and any relevant endorsements that apply to you. Please note that the insurance fees may vary depending on your special circumstances and medical conditions. For more information, please refer to the relevant Optimum PDS, or contact us. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 1

4 Contents Which rates apply to me? 3 How are insurance fees calculated? 4 Examples of insurance fee calculations 5 Optimum insurance fees 7 Individual Death and rates - insurance fee per $100,000 7 Group Death and rates insurance fee per $100, Group Death age based minimums 29 Individual Income Protection rates - insurance fee per $ Group Income Protection rates - insurance fee per $ Income Protection stamp duty 46 Trustee Minimum Cover 46 Occupational Ratings for Insurance 47 Contact us back cover 2 Asteron Life

5 Which rates apply to me? Insurance rates for Which rates? See page Employer selected cover within or over the AAL Group rates (Death & ) (Income Protection) Member/individual selected cover for a higher sum insured than your employer has selected Member/individual selected cover for a different type of cover than your employer has selected Group rates Individual rates (Death & ) (Income Protection) 7-17 (Death & ) (Income Protection) Cover for a family members account Individual rates 7-17 (Death & ) (Income Protection) When you leave the plan and have retained your insurance* Individual rates 7-17 (Death & ) (Income Protection) * When you leave your employer plan, any Death and insurance arrangements will remain in place but all insurance fees will be based on individual smoker rates (unless and until we are informed that you do not smoke). Insurance fees are the total amount payable for any level of cover you may have included as part of your super plan. Please refer to the Examples in this guide to find out how much you pay in insurance fees. The rates that apply to you will depend on your occupation. Please see occupational ratings on page 46 for more information. If you are unsure of your occupation rating please contact us. Rates shown in this guide include 25% commission (excluding GST). Optimum Corporate members You may pay less than the commission included in the rate tables if a lower amount of commission has been negotiated with the adviser and will not pay any commission on insurance fees deducted from the Suncorp Lifestage Fund. If you are invested in the Suncorp Lifestage Fund and other investment options, your insurance fees will be deducted from your other investment options first. If the balance in your other investment options is insufficient to pay your insurance fees, we will then deduct your insurance fees from your investment in the Suncorp Lifestage Fund. Your employer can agree with your plan s adviser the commission applicable to your insurance. Your plan s adviser may receive an ongoing insurance commission payment of up to 27.5% (including GST) of your insurance fee. Any additional GST is not payable by you. Trustee Minimum Cover If you are an employee member of a participating employer plan and you have an investment or any balance in the Suncorp Lifestage Fund, our MySuper option, you may be eligible for our Trustee Minimum Cover. If your employer has a higher level of cover than the standard Trustee Minimum Cover you will be placed in your employer s selected cover regardless of your investment in the Suncorp Lifestage Fund. We recommend you speak to your employer about the level of cover provided under your current employment plan. To find out more details about MySuper cover please refer to the PDS and Product Guide. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 3

6 How are insurance fees calculated? Insurance fees are calculated using: your age on your next your gender the sum insured the benefit type, eg. Death only, Death and and/or Income Protection for Income Protection, waiting period for insurance priced on individual rates, your smoking status. The annual insurance fee for your insurance cover can be calculated as: For Death and : Monthly insurance fee = Sum insured x (insurance rate from table) / 100,000 For Income Protection: Monthly insurance fee = (Monthly Insured Benefit) x (insurance rate from table) / 100 The rate table is inclusive of 25% commission (excluding GST). For MySuper members who wish to calculate insurance fees net of commission, multiply the rate by Asteron Life

7 Examples of insurance fee calculations Example 1 Optimum members on individual rates Samantha will be age 30 next, works as a lawyer and earns $100,000 pa. Samantha would like to insure herself for $500,000 Death and and $6,000 of Income Protection cover per month based on a 60 day waiting period under Optimum Personal. This assumes Samantha will be accepted on standard terms and she doesn t smoke. Samantha belongs to the occupation class 1(Professional). The cost of her insurance fee would be: Death cover, base insurance rate from table: $4.85 per $100,000 Total Death cover monthly insurance fee: $4.85 x $500,000/$100,000 = $24.25 cover, base insurance rate from table: $2.84 per $100,000 sum insured Total cover monthly insurance fee: $2.84 x $500,000/$100,000 = $14.20 Total monthly cost of Death and benefit of $500,000: $ $14.20 = $38.45 Income Protection, base insurance rate from table: $0.35 Total monthly cost of Income Protection benefit of $6,000 per month: $0.35 x $6,000/$100 = $21.00 Total cost of all cover per month: $ $21.00 = $59.45 Stamp duty will be payable in addition to the insurance fee for Income Protection and the amount will depend on the state in which Samantha lives. Stamp duty may be payable on the element of the insurance fee depending on the state in which she lives. Example 2 Optimum members on Group and Individual rates Samantha will be age 30 next, works as a lawyer and earns $100,000 pa. Her employer s plan under Optimum Corporate provides a fixed sum insured of $300,000 for Death and, which is below the plan s AAL. Samantha would like to insure herself for an additional $200,000 Death and cover and $6,000 of Income Protection cover per month based on a 60 day waiting period and two-year benefit period. Samantha applies and is accepted for this additional cover. This assumes Samantha will be accepted on standard terms. As a lawyer she belongs to the occupation class 1 (Professional). Samantha is invested in investment options other than the Suncorp Lifestage Fund and her insurance fees will be subject to commission. The cost of her insurance fee would be: Employer selected Death & cover, base insurance rate: $6.05 Total Employer selected Death & cover insurance fee: $6.05 x $300,000/$100,000 = $18.15 Additional Death & cover insurance fee: $6.05 x $200,000/$100,000 = $12.10 Total monthly cost of Employer & Member selected Death & benefit of $500,000: $30.25 Additional benefit of $200,000: priced on Group rates because it is the same type of cover selected by Samantha s employer. Income Protection benefit of $6,000 per month priced on individual rates because Income Protection is a different type of cover from what Samantha s employer has selected. Income Protection, base insurance rate from table: $0.35 Total monthly cost of Income Protection benefit of $6,000 per month: $0.35 x $6,000/$100 = $21.00 Total cost of all cover per month: $51.25 If Samantha was invested fully in the Suncorp Lifestage Fund, her total insurance fee would be $ Optimum Corporate and Personal Insurance premiums and occupation ratings guide 5

8 Examples of insurance fee calculations (continued) Example 3 Optimum members with Group and individual rates If Samantha left her employer at the same age, remained in the same occupation and retained insurance arrangements with Optimum, her insurance fee would be recalculated. Samantha is invested in investment options other than the Suncorp Lifestage Fund and her insurance fees will be subject to commission. Upon leaving her employer, Samantha has notified us that she doesn t smoke. Fixed benefit of $500,000 for Death &, priced on individual rates: $38.45 Total monthly cost of Death & benefit of $500,000: $38.45 Income Protection benefit of $72,000 pa: $21.00 Total cost of Income Protection benefit of $6,000 per month: $21.00 Total cost per month: $59.45 If Samantha was fully invested in the Suncorp Lifestage Fund, her total insurance fee would be $44.59 per month. Stamp duty will be payable in addition to the insurance fee for Income Protection and the amount will depend on the state in which Samantha lives. Stamp duty may be payable on the element of the insurance fee depending on the state in which she lives. 6 Asteron Life

9 Optimum insurance fees Individual Death and rates - insurance fee per $100,000 To calculate the Individual Death and insurance rates for different occupational classifications, the following Individual Occupation Loadings have been applied (to the Professional or class 1 rates): Individual Occupation Loadings - Death and Occupation description Class Occupational factors for Death cover Occupational factors for cover Professional Managerial/Clerical Supervisor Skilled blue collar Heavy blue collar Not available Optimum Corporate and Personal Insurance premiums and occupation ratings guide 7

10 Optimum insurance fees (continued) Individual rates Monthly Death and insurance fee per $100,000 Professional (class 1) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Asteron Life

11 Optimum insurance fees Individual rates Monthly Death and insurance fee per $100,000 Professional (class 1) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. To calculate the insurance fee per $100,000 for Death and cover, add the Death Only and insurance fees together. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 9

12 Optimum insurance fees (continued) Individual rates Monthly Death and insurance fee per $100,000 Managerial/Clerical (class 2) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Asteron Life

13 Optimum insurance fees Individual rates Monthly Death and insurance fee per $100,000 Managerial/ Clerical (class 2) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. To calculate the insurance fee per $100,000 for Death and cover, add the Death Only and insurance fees together. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 11

14 Optimum insurance fees (continued) Individual rates Monthly Death and insurance fee per $100,000 Supervisor (class 3) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Asteron Life

15 Optimum insurance fees Individual rates Monthly Death and insurance fee per $100,000 Supervisor (class 3) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. To calculate the insurance fee per $100,000 for Death and cover, add the Death Only and insurance fees together. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 13

16 Optimum insurance fees (continued) Individual rates Monthly Death and insurance fee per $100,000 Skilled blue collar (class 4) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Asteron Life

17 Optimum insurance fees Individual rates Monthly Death and insurance fee per $100,000 Skilled blue collar (class 4) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. To calculate the insurance fee per $100,000 for Death and cover, add the Death Only and insurance fees together. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 15

18 Optimum insurance fees (continued) Individual rates Monthly Death and insurance fee per $100,000 Heavy blue collar (class 5) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A 16 Asteron Life

19 Optimum insurance fees Individual rates Monthly Death and insurance fee per $100,000 Heavy blue collar (class 5) occupations Death only Age next Male Female Male Female Non-smoker Non-smoker Non-smoker Non-smoker $) Notes: N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. To calculate the insurance fee per $100,000 for Death and cover, add the Death Only and insurance fees together. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 17

20 Optimum insurance fees (continued) Group Death and rates insurance fee per $100,000 To calculate the Group Death and insurance rates for different occupational classifications, the following Group occupation loadings have been applied (to the Professional or class 1 rates): Group occupation loadings - Death and Occupation description Class Occupational factors for Death cover Occupational factors for cover Professional Managerial/Clerical Supervisor Skilled blue collar Heavy blue collar Not available 18 Asteron Life

21 Optimum insurance fees Group rates - Monthly Death and insurance fee per $100,000 Professional (class 1) occupations Age next Death only Death and Age next Death only Death and Notes: There may be minor variations in the insurancde rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 19

22 Optimum insurance fees (continued) Group rates - Monthly Death and insurance fee per $100,000 Managerial/ Clerical (class 2) occupations Age next Death only Death and Age next Death only Death and N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. 20 Asteron Life

23 Optimum insurance fees Group rates - Monthly Death and insurance fee per $100,000 Supervisor (class 3) occupations Age next Death only Death and Age next Death only Death and N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 21

24 Optimum insurance fees (continued) Group rates - Monthly Death and insurance fee per $100,000 Skilled blue collar (class 4) occupations Age next Death only Death and Age next Death only Death and N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. 22 Asteron Life

25 Optimum insurance fees Group rates - Monthly Death and insurance fee per $100,000 Heavy blue collar (class 5) occupations Age next Death only Death and N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Age next Death only Death and N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A N/A Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. only cover is not available in Optimum. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 23

26 Optimum insurance fees (continued) Group Death and rates sum insured for $0.50 per week Group rates - Sum insured for $0.50 per week Professional (class 1) occupations Age next Death only Death and 17 38,083 28, ,083 28, ,083 28, ,083 28, ,420 30, ,660 31, ,772 33, ,346 35, ,027 36, ,016 36, ,361 36, ,214 36, ,136 36, ,377 35, ,759 36, ,444 35, ,916 33, ,016 32, ,665 31, ,189 29, ,269 27, ,066 25, ,910 24, ,350 22, ,999 20, ,931 18, ,862 17,422 Age next Death only Death and 44 25,971 16, ,191 14, ,471 13, ,842 11, ,275 10, ,774 9, ,657 8, ,282 7, ,985 6, ,775 5, ,650 5, ,526 4,815 Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. 24 Asteron Life

27 Optimum insurance fees Group rates - Sum insured for $0.50 per week Managerial/Clerical (class 2) occupations Age next Death only Death and 17 38,083 28, ,083 28, ,083 28, ,083 28, ,420 30, ,660 30, ,772 32, ,346 34, ,027 35, ,016 35, ,361 35, ,214 35, ,136 35, ,377 34, ,759 35, ,444 34, ,916 32, ,016 31, ,665 29, ,189 28, ,269 26, ,066 24, ,910 23, ,350 21, ,999 19, ,931 18, ,862 16,793 Age next Death only Death and 44 25,971 15, ,191 13, ,471 12, ,842 11, ,275 10, ,774 9, ,657 8, ,282 7, ,985 6, ,775 5, ,650 5, ,526 4,567 Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 25

28 Optimum insurance fees (continued) Group rates - Sum insured for $0.50 per week Supervisor (class 3) occupations Age next Death only Death and 17 30,466 21, ,466 21, ,466 21, ,466 21, ,736 23, ,328 23, ,818 24, ,277 26, ,822 27, ,613 27, ,689 27, ,371 27, ,109 27, ,101 26, ,407 26, ,955 26, ,533 24, ,013 23, ,932 22, ,751 21, ,215 19, ,453 18, ,728 17, ,880 16, ,399 14, ,745 13, ,290 12,614 Age next Death only Death and 44 20,777 11, ,353 10, ,977 9, ,674 8, ,420 7, ,219 6, ,326 5, ,225 5, ,188 4, ,220 4, ,320 3, ,421 3,344 Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. 26 Asteron Life

29 Optimum insurance fees Group rates - Sum insured for $0.50 per week Skilled blue collar (class 4) occupations Age next Death only Death and 17 21,762 15, ,762 15, ,762 15, ,762 15, ,954 16, ,806 16, ,584 17, ,912 19, ,301 19, ,866 19, ,635 19, ,122 19, ,649 19, ,358 18, ,577 19, ,968 18, ,667 17, ,581 16, ,809 16, ,965 15, ,868 14, ,609 13, ,377 12, ,343 11, ,856 10, ,675 9, ,921 8,993 Age next Death only Death and 44 14,841 8, ,823 7, ,841 6, ,910 6, ,014 5, ,157 4, ,518 4, ,732 3, ,991 3, ,300 2, ,657 2, ,015 2,382 Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 27

30 Optimum insurance fees (continued) Group rates - Sum insured for $0.50 per week Heavy blue collar (class 5) occupations Age next Death only Death and 17 19,041 N/A 18 19,041 N/A 19 19,041 N/A 20 19,041 N/A 21 19,210 N/A 22 20,830 N/A 23 22,386 N/A 24 22,673 N/A 25 23,014 N/A 26 23,508 N/A 27 24,181 N/A 28 24,607 N/A 29 25,068 N/A 30 25,688 N/A 31 25,880 N/A 32 26,222 N/A 33 25,958 N/A 34 25,008 N/A 35 24,333 N/A 36 23,595 N/A 37 22,634 N/A 38 21,533 N/A 39 20,455 N/A 40 18,675 N/A 41 16,499 N/A 42 15,465 N/A 43 13,931 N/A Age next Death only Death and 44 12,985 N/A 45 12,095 N/A 46 11,236 N/A 47 10,421 N/A 48 9,638 N/A 49 8,887 N/A 50 8,329 N/A 51 7,641 N/A 52 6,992 N/A 53 6,387 N/A 54 5,825 N/A 55 5,263 N/A Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. 28 Asteron Life

31 Optimum insurance fees Group Death age based minimums Age next Death Cover Professional Managerial/ Clerical Monthly Death Insurance Fee Supervisor Skilled blue collar Heavy blue collar 21 50, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , Notes: There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 29

32 Optimum insurance fees (continued) Individual Income Protection rates - insurance fee per $100 To calculate the Individual Income Protection insurance rates for different occupational classifications, the following Individual occupation loadings have been applied (to the Professional or class 1 rates): Individual occupation loadings - Income Protection Occupation description Class Occupational factors for Income Protection cover Professional Managerial/Clerical Supervisor Skilled blue collar Heavy blue collar 5 Not available 30 Asteron Life

33 Optimum insurance fees Individual rates Monthly Income Protection insurance fee per $100 monthly benefit Professional (class 1) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Optimum Corporate and Personal Insurance premiums and occupation ratings guide 31

34 Optimum insurance fees (continued) Individual rates Monthly Income Protection insurance fee per $100 monthly benefit Professional (class 1) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Notes: The figures above do not include stamp duty. There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. 32 Asteron Life

35 Optimum insurance fees Individual rates Monthly Income Protection insurance fee per $100 monthly benefit Managerial/Clerical (class 2) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Optimum Corporate and Personal Insurance premiums and occupation ratings guide 33

36 Optimum insurance fees (continued) Individual rates Monthly Income Protection insurance fee per $100 monthly benefit Managerial/Clerical (class 2) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Notes: The figures above do not include stamp duty. There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. 34 Asteron Life

37 Optimum insurance fees Individual rates Monthly Income Protection insurance fee per $100 monthly benefit Supervisor (class 3) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Optimum Corporate and Personal Insurance premiums and occupation ratings guide 35

38 Optimum insurance fees (continued) Individual rates Monthly Income Protection insurance fee per $100 monthly benefit Supervisor (class 3) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Notes: The figures above do not include stamp duty. There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. 36 Asteron Life

39 Optimum insurance fees Individual rates Monthly Income Protection insurance fees per $100 monthly benefit Skilled blue collar (class 4) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Optimum Corporate and Personal Insurance premiums and occupation ratings guide 37

40 Optimum insurance fees (continued) Individual rates Monthly Income Protection insurance fees per $100 monthly benefit Skilled blue collar (class 4) occupations 30 day waiting period 60 day waiting period 90 day waiting period Age next Male Female Male Female Male Female Nonsmokesmoker Non- Nonsmoker Nonsmokesmoker Non- Nonsmoker Notes: The figures above do not include stamp duty. There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. 38 Asteron Life

41 Optimum insurance fees Group Income Protection rates - insurance fee per $100 To calculate the Group Income Protection insurance rates for different occupational classifications, the following Group occupation loadings have been applied (to the Professional or class 1 rates): Group occupation loadings - Income Protection Occupation description Class Occupational factors for Income Protection cover Professional Managerial/Clerical Supervisor Skilled blue collar Heavy blue collar 5 Not available Optimum Corporate and Personal Insurance premiums and occupation ratings guide 39

42 Optimum insurance fees (continued) Group rates Monthly Income Protection insurance fees per $100 monthly benefit Professional (class 1) and Managerial/Clerical (class 2) occupations Age next 30 day waiting period 60 day waiting period 90 day waiting period Male Female Male Female Male Female Asteron Life

43 Optimum insurance fees Group rates Monthly Income Protection insurance fee per $100 monthly benefit Professional (class 1) and Managerial/Clerical (class 2) occupations Age next Notes: 30 day waiting period 60 day waiting period 90 day waiting period Male Female Male Female Male Female The figures above do not include stamp duty. There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 41

44 Optimum insurance fees (continued) Group rates Monthly Income Protection insurance fee per $100 monthly benefit Supervisor (class 3) occupations Age next 30 day waiting period 60 day waiting period 90 day waiting period Male Female Male Female Male Female Asteron Life

45 Optimum insurance fees Group rates Monthly Income Protection insurance fee per $100 monthly benefit Supervisor (class 3) occupations Age next Notes: 30 day waiting period 60 day waiting period 90 day waiting period Male Female Male Female Male Female The figures above do not include stamp duty. There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 43

46 Optimum insurance fees (continued) Group rates Monthly Income Protection insurance fee per $100 monthly benefit Skilled blue collar (class 4) occupations Age next 30 day waiting period 60 day waiting period 90 day waiting period Male Female Male Female Male Female Asteron Life

47 Optimum insurance fees Group rates Monthly Income Protection insurance fee per $100 monthly benefit Skilled blue collar (class 4) occupations Age next Notes: 30 day waiting period 60 day waiting period 90 day waiting period Male Female Male Female Male Female The figures above do not include stamp duty. There may be minor variations in the insurance rates shown to those charged to you in Optimum, due to rounding considerations. Optimum Corporate and Personal Insurance premiums and occupation ratings guide 45

48 Income Protection stamp duty The rate of stamp duty to be added to all Income Protection insurance fees is as follows: State Stamp duty % rate* Australian Capital Territory 6 New South Wales 5 Northern Territory 10 Queensland 7.5 South Australia 11 Tasmania 10 Victoria 10 Western Australia 10 * The above rates are current as at 1 January The stamp duty rate of the Australian Capital Territory will reduce by 2% on 1 July each year until it reaches 0% on 1 July Please refer to the ATO website for current rates. Trustee Minimum Cover The following table shows the level of covers for members with Trustee Minimum Cover. Age Next Birthday All Members Death Death and Members 16 87,500 10, ,750 10, ,000 9, ,250 9, ,500 9, ,750 9, ,000 8, ,250 8, ,500 8, ,750 8, ,000 7, ,250 7, ,500 7, ,750 7, ,000 6, ,250 6, ,500 6, ,750 6, ,000 5,750 Age Next Birthday All Members Death Death and Members 35 54,250 5, ,500 5, ,750 5, ,000 4, ,250 4, ,500 4, ,750 4, ,000 3, ,250 3, ,500 3, ,750 3, ,000 2, ,250 2, ,500 2, ,750 2, ,000 1, ,250 1, ,500 1, ,750 1,000 Age Next Birthday All Members Death Death and Members 54 21, , , , , , , , , , , , Asteron Life

49 Occupational Ratings for Insurance Key to the occupation guide: DT = Death and DO = Death Only NC = No Cover If you are unsure of your occupation classification please contact your adviser or Asteron Client Services. Occupational ratings for insurance If you are a MySuper member with Trustee Minimum Cover, limitations may apply based upon your occupation classification. Please refer to the Trustee Minimum Cover column as a guide to your insurance eligibility. Please refer to the Trustee Minimum Cover column to see what level of insurance cover you are eligible for. Occupation Rating Trustee Minimum Cover Abalone Diver U NC Abattoirs - Butcher/Boner 5 DO Abattoirs - Inspector 4 DT Abattoirs - Process Worker 5 DO Abattoirs - Slaughterer 5 DO Abattoirs - Supervisor (Manual Work) 5 DO Abattoirs - Supervisor (No Manual Work) 4 DT Accountant - Qualified 1 DT Accountant - Unqualified 2 DT Accounts Clerk 2 DT Actor/Actress 5 DO Actuary - Qualified 1 DT Actuary - Unqualified 2 DT Acupuncturist - Qualified - Member of Acupuncture Association of Australia 2 DT Adjuster/Assessor (Insurance) 2 DT Advertising - Agent/Clerical 2 DT Advertising Executive - Meeting AA Requirements 1 DT Advertising Executive - Other 2 DT Aerobics Instructor - Full Time, Well Established, Minimum 3 years 5 DO Aeronautical Engineer 1 DT Agent - Customs (Clerical) 2 DT Agent - Employment 2 DT Agent - Entertainment - Well Established, Minimum 3 years 2 DT Agent - Insurance/Finance (Well Established, 2 years Full Time Experience) 2 DT Agent - Insurance/Finance Other 2 DT Agent - Machinery (Heavy) 4 DT Agent - Machinery (Light) 3 DT Agent - Real Estate - Principle of Agency with at least 5 sales people 2 DT Agent - Real Estate - Other 2 DT Optimum Corporate and Personal Insurance premiums and occupation ratings guide 47

50 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Agent - Stock/Station 2 DT Agent - Tab (Full Time) 2 DT Agent - Travel 2 DT Agriculture - Agricultural Contractor (Not Fencing) Established 3 years Minimum 4 DT Agriculture - Agronomist 1 DT Agriculture - Refer to Farming Agronomist - Agriculture 1 DT Air Conditioning - Installer/Repairer - Qualified - Licensed 3 DT Air Traffic Controller - Airports 5 DO Aircraft Crew - Aircraft Industry U NC Aircraft Industry - Aeronautical Engineer 1 DT Aircraft Industry - Aircraft Crew U NC Aircraft Industry - Aircraft Navigator U NC Aircraft Industry - Aircraft Pilot U NC Aircraft Industry - Commercial Balloonist U NC Aircraft Industry - Designer/Draughtsman (Not Qualified) 2 DT Aircraft Industry - Designer/Draughtsman (Qualified) 1 DT Aircraft Industry - Flight Engineer U NC Aircraft Industry - Maintenance Worker - Qualified 4 DT Aircraft Industry - Mechanic (Non Flying) - Qualified 3 DT Aircraft Industry - Refueller 5 DO Aircraft Industry - Test Pilot U NC Aircraft Pilot - Aircraft Industry U NC Airports - Baggage Handler 5 DO Airports - Cleaner 5 DO Airports - Security - Unarmed 5 DO Airports - Security - Armed 5 DO Alarm - Installer/Repairer - Qualified 3 DT Ambulance Driver/Officer 4 DT Amusement Parlour/Centre - (Timezone etc) - Proprietor 4 DT Amway Distributor - Well Established, Full Time, Minimum 3 years Experience 2 DT Analyst - Qualified Refer Computer Industry Animal Breeder/Trainer - Dogs and Small Domestic Animals 3 DT Animal Chiropractor 5 DO Antenna Erector 5 DO Antique Dealer - Administration 2 DT Antique Dealer - Restoration 3 DT Antique Dealer - Sales Only (No Manual) 2 DT U - Uninsurable IC - Individual Consideration 48 Asteron Life

51 Occupation Rating Trustee Minimum Cover Apiarist/Bee Keeper 3 DT Apprentice - Cover may be available in final year of apprenticeship at trade occupation classification Archaeologist - Field Work 2 DT Archaeologist - No Field Work 1 DT Architect - Degree (Qualified) 1 DT Armed Forces - Special Hazard (Bomb Disposal/Special Air Services) U NC Armed Forces - All ranks, Office duties, No Special Hazards U DO Art Dealer - Shop or Gallery 2 DT Artist - Commercial/Graphic 2 DT Artist - Freelance 5 DO Asbestos Worker 5 DO Asphalt Layer - Roads 5 DO Asphalt Layer - Roofing 5 DO Assembly Line Worker 5 DO Astronomer 1 DT Auctioneer 2 DT Auditor - Qualified 1 DT Auditor - Unqualified 2 DT Author 5 DO Auto - Electrician - Licensed 3 DT Aviation - Aerobatics U NC Aviation - Agricultural (Including Crop Dusting, Mustering, Shooting) U NC Aviation - Instructor U NC Avon Distributor - Well Established, Full Time Minimum 3 years Experience 2 DT Backhoe, Bobcat, Bulldozer - Operator - Other 5 DO Backhoe, Bobcat, Bulldozer - Owner/Operator, Established Minimum 3 years 5 DO Baggage Handler - Airports 5 DO Bailiff 3 DT Bakeries - Baker - Qualified 3 DT Bakeries - Delivery 4 DT Balloonist - Aircraft Industry - Commercial U NC Bank/Building Society - Clerical/Teller 2 DT Bank/Building Society - Manager - Meeting AA Requirements 1 DT Bank/Building Society - Manager - Other Not meeting AA Requirements 2 DT Bank/Building Society - Security Guard - Unarmed 5 DO Bank/Building Society - Security Guard - Armed 5 DO Barber/Hairdresser 3 DT U DO Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 49

52 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Barrister 1 DT Bartender (Full Time only) 5 DO Battery Manufacture - Sales (No Manual Work) 2 DT Beach Inspector/Professional Lifeguard 5 DO Beautician - Not Working From Home 3 DT Beautician - Working From Home 5 DO Beekeeper/Apiarist 3 DT Beverage Manufacture - Supervisor 4 DT Bicycle Dealer/Repairer 3 DT Billiards/Pool Table - Maker/Repairer 4 DT Biochemist/Biologist - Marine (Field Work) 5 DO Biochemist/Biologist - Marine (Lab Work Only) 1 DT Biochemist/Biologist - Not Marine 1 DT Blacksmith/Farrier - Qualified 4 DT Blaster/Explosives Handler 5 NC Blind/Awning/Screen - Installer/Repairer 4 DT Boarding House Proprietor/Bed and Breakfast 5 DO Boat Builder - Licensed 4 DT Boilermaker/Welder 4 DT Book keeper 2 DT Bookbinder 3 DT Bookmaker (Gambling) 5 DO Botanist 1 DT Bottleshop Attendant - Hotel Industry 4 DT Bottleshop Manager - Hotel Industry 3 DT Bouncer 5 DO Bricklayer - Licensed 4 DT Brickpaver - Licensed 5 DO Broker - Stock/Commodity 2 DT Broker - Wool 2 DT Builder - Building and Construction - Licensed 4 DT Building and Construction - Architect 1 DT Building and Construction - Bricklayer - Licensed 4 DT Building and Construction - Brickpaver - Licensed 5 DO Building and Construction - Builder - Licensed 4 DT Building and Construction - Carpenter - Licensed 4 DT Building and Construction - Ceiling Fixer - Licensed 4 DT Building and Construction - Cement Renderer - Licensed 5 DO U - Uninsurable IC - Individual Consideration 50 Asteron Life

53 Occupation Rating Trustee Minimum Cover Building and Construction - Civil Engineer - Qualified 1 DT Building and Construction - Concrete Cutter 5 DO Building and Construction - Concreter - Licensed 5 DO Building and Construction - Crane, Derrick and Hoist Driver - Licensed 5 DO Building and Construction - Dogman 5 DO Building and Construction - Drainer - Licensed 4 DT Building and Construction - Electrician - Licensed 3 DT Building and Construction - Joiner - Licensed 4 DT Building and Construction - Labourer 5 DO Building and Construction - Painter (Above 2 Stories) - Licensed 5 DO Building and Construction - Painter (Up To 2 Stories) - Licensed 4 DT Building and Construction - Plasterer - Licensed 4 DT Building and Construction - Plumber - Licensed 4 DT Building and Construction - Roof Worker/Tiler/Fixer - Licensed 5 DO Building and Construction - Scaffolder/Rigger (Above 10 Metres) U NC Building and Construction - Scaffolder/Rigger (Up To 10 Metres) 5 DO Building and Construction - Steel Fixer 5 DO Building and Construction - Tiler (Wall and Floor) - Licensed 4 DT Bus Driver - Interstate - Recognised Operation eg. Greyhound 5 DO Bus Driver - Local 3 DT Bus Driver - Long Distances (Returning Home Daily) 4 DT Bush Clearer U NC Business Consultant (Office Based) 2 DT Butcher - Non Slaughtering 3 DT Butcher - Slaughtering 5 DO Butcher/Boner - Abattoirs 5 DO Butler 3 DT Buyer - Livestock 3 DT Buyer - Retail Store 2 DT Cabinet Maker/Carpenter - Licensed 4 DT Cablemaker/Wiremaker 5 DO Café/Coffee Lounge - Proprietor, Manager, 4 or more Full Time Staff 3 DT Café/Coffee Lounge - Proprietor, Manager, Other 4 DT Café/Coffee Lounge - Employee 5 DO Cane Carting Contractor - Full Time, Established Minimum 3 years 5 DO Car Detailer 5 DO Car Salesperson 2 DT Car Wrecker 5 DO Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 51

54 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Caravan Park Proprietor - Four or More Full Time Staff - No Manual Work 3 DT Caravan Park Proprietor - No Staff 4 DT Caretaker/Janitor 4 DT Carpark Attendant 5 DO Carpenter - Building and Construction - Licensed 4 DT Carpet Cleaner 5 DO Carpet Layer 5 DO Cartographer 2 DT Cashier - Financial Institution 2 DT Cashier - Service Station 2 DT Cashier - Supermarket 2 DT Casino (Government and Licensed) - Bartender 5 DO Casino (Government and Licensed) - Cleaner 5 DO Casino (Government and Licensed) - Croupier (2 years Experience) 2 DT Casino (Government and Licensed) - Managerial/Clerical 2 DT Casino (Government and Licensed) - Security - Unarmed 5 DO Casino (Government and Licensed) - Security - Armed 5 DO Casino (Government and Licensed) - Waiter 5 DO Caterer - Not Working From Home/Well Established 3 DT Cellar Person 5 DO Cement Renderer - Licensed 5 DO Cemetery and Crematory Worker - Embalmer 4 DT Cemetery and Crematory Worker - Funeral Director/Proprietor (Not Embalming) 2 DT Cemetery and Crematory Worker - Grave Digger 5 DO Charter Boat Operator - Deep Sea 4 DT Charter Boat Operator - Harbour and Inlets 3 DT Chauffeur 3 DT Chef/Cook - Qualified 3 DT Chemical Industry - Chemical Engineer (Up To 10% Laboratory Work) 2 DT Chemical Industry - Chemist - Industrial (Not Handling Acids Or Explosives) 1 DT Chemical Industry - Laboratory Technician 2 DT Chemical Industry - Other Worker U NC Chemical Industry - Research and Analytical - Qualified 1 DT Chemical Industry - Retail Chemist/Pharmacist 1 DT Child Care Worker - Qualified Registered (Not Working At Home) 2 DT Child Care Worker - Working At Home 5 DO Chimney Sweep 5 DO Chiropractor - Member of Australian Chiropractic Association 2 DT U - Uninsurable IC - Individual Consideration 52 Asteron Life

55 Occupation Rating Trustee Minimum Cover Chiropractor - Other 2 DT Civil Engineer 1 DT Cleaner - Airports 5 DO Cleaner - House 5 DO Cleaner - Car (Detailing) 5 DO Cleaner - Office/Factory/School 5 DO Clergyperson 2 DT Clerk - Office Work Only 2 DT Clothing Industry - Dressmaker (not working from home) 3 DT Clothing Industry - Pattern Maker 3 DT Clothing Industry - Process Worker/Machinist 5 DO Clothing Industry - Salesperson (no deliveries) 2 DT Clothing Industry - Tailor/Milliner 3 DT Clothing Industry - Cutter 5 DO Clothing Industry Fashion Designer (not working from home) 2 DT Club Manager/Proprietor (Registered/Administration Only) 2 DT Club Manager/Proprietor (Registered/Bar Work) 4 DT Coach (Full Time, Minimum 3 years Experience) - Tennis/Golf/Swimming 3 DT Commercial Traveller 2 DT Company Secretary (Appointed/Qualified) 1 DT Composer (Music) 5 DO Compositor (Printing) 3 DT Computer Industry - Consultant, Programmer, Analyst (not degree qualified) 2 DT Computer Industry - Consultant, Programmer, Systems Analyst (Holder of a university degree majoring in computing) 1 DT Computer Industry - Engineer 2 DT Computer Industry - Keyboard Operator 2 DT Computer Industry - Operator 2 DT Computer Industry - Technician 2 DT Concrete Cutter 5 DO Concreter - Licensed 5 DO Cook - Qualified 3 DT Coroner 1 DT Courier - Car Only 4 DT Courier - Using A Motorbike, Pushbike 5 DO Crane Operator 5 DO Crew - Marine Industry (In Australian Waters) 5 DO Curator (Art Gallery, Library, Museum) 2 DT Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 53

56 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Curtain Fitter 3 DT Customs Agent - Clerical 2 DT Customs Agent - Other 4 DT Customs Officer 2 DT Dairy Farm Proprietor - Less than 4 Full Time Employees 4 DT Dairy Farm Proprietor With 4 or more Full Time Employees 3 DT Dancing Teacher (Full Time, not working from home) 3 DT Data Entry Operator 2 DT Debt Collector 5 DO Deck Hand U NC Delicatessen Worker - Proprietor, Manager 3 DT Delicatessen Worker - Other 4 DT Delivery Man 4 DT Demolition Worker U NC Dental/Orthodontic Technician 2 DT Dental Hygienist - Medical Profession 2 DT Dental Nurse 2 DT Dental Surgeon/Dentist 1 DT Department Store - Manager/Clerical Only 2 DT Department Store - Sales Only 2 DT Department Store - Section Manager 2 DT Department Store - Storeman 4 DT Diamond - Cutter/Polisher/Setter (Workshop) 3 DT Diamond - Dealer/Merchant 2 DT Diamond - Jeweller (Manufacture) 3 DT Die Maker - Qualified 3 DT Diesel Mechanic - Qualified 3 DT Dietician (Qualified and Registered) 1 DT Disc Jockey (Full Time) 5 DO Ditcher/Drainer - Qualified 4 DT Diver U NC Docker/Stevedore 5 DO Doctor Of Medicine 1 DT Dog - Breeder/Trainer/Attendant 3 DT Dog - Groomer (Not Working at Home and Established Minimum 2 years) 4 DT Dog - Washer (Not Working at Home and Established Minimum 2 years) 4 DT Drainer/Drainage Contractor - Licensed 4 DT Draper 2 DT U - Uninsurable IC - Individual Consideration 54 Asteron Life

57 Occupation Rating Trustee Minimum Cover Draughtsperson - Others 2 DT Draughtsperson - Qualified 1 DT Dredger (Harbour/River) 5 DO Dressmaker - (Full Time, not working from Home) 3 DT Drillers - Offshore U NC Drillers - Onshore - Rock/Soil and Water 5 DO Driver - Ambulance 4 DT Driver - Armoured Car/Truck 5 DO Driver - Backhoe - Operator, Other 5 DO Driver - Backhoe (Owner/Operator, Established Minimum 3 years) 5 DO Driver - Bobcat - Operator, Other 5 DO Driver - Bobcat (Owner/Operator, Established Minimum 3 years) 5 DO Driver - Bulldozer - Operator, Other 5 DO Driver - Bulldozer (Owner/Operator, Established Minimum 3 years) 5 DO Driver - Bus and Coach Interstate - Recognised Operation e.g. Greyhound 5 DO Driver - Bus and Coach Long Distance (Returns Home Daily) 4 DT Driver - Bus and Coach Metro (Local) 3 DT Driver - Chauffeur 3 DT Driver - Courier (Car Only) 4 DT Driver - Crane/Derrick/Hoist 5 DO Driver - Earthmoving - Operator, Other 5 DO Driver - Earthmoving - (Owner/Operator, Established Minimum 3 years) 5 DO Driver - Explosives/Dangerous Goods U NC Driver - Forklift 5 DO Driver - Garbage Collector (Driver Only) 4 DT Driver - Grader 5 DO Driver - Hire Car Owner/Driver 3 DT Driver - Instructor (Full Time) 3 DT Driver - Removalist 5 DO Driver - Tanker Driver (Petrol, Petroleum Products) 5 DO Driver - Taxi (Full Time, owner/driver, Established Minimum 2 years) 4 DT Driver - Taxi (Full Time, Others) 5 DO Driver - Tow Truck 5 DO Driver - Truck Driver - Refer to Truck Driver Drover/Station Hand 5 DO Drycleaner - Proprietor, Manager 3 DT Drycleaner - Other 4 DT Earthmoving Operator - Other 5 DO Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 55

58 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Earthmoving Operator (Owner, Established Minimum 3 years) 5 DO Economist (Qualified) 1 DT Editor - Films/Television 2 DT Editor - Newspaper/Magazines 2 DT Education - Dean/Headmaster/Headmistress 1 DT Education - Department Head 2 DT Education - Deputy Headmaster/Headmistress 2 DT Education - Lecturer (University) 1 DT Education - Librarian (Other) 2 DT Education - Librarian (University Qualified) 1 DT Education - Student/Part Time Student 5 DO Education - Teacher (Manual Arts/Agriculture/Physical Education) 3 DT Education - Teacher (Non Manual Subjects) 2 DT Electrician - Auto Electrician - Licensed 3 DT Electrician - Building and Construction - Licensed 3 DT Electrician - Cable Joiner - Licensed 4 DT Electrician - Domestic/Business - Licensed 3 DT Electrician - Electronic Technician - Licensed 3 DT Electrician - Engineer - Qualified 2 DT Electrician - Industrial - High Voltage 4 DT Electrician - Linesman 5 DO Electrician - Meter Reader/Inspector 3 DT Electrician - Mines (Not Underground) - Licensed 5 DO Electrician - Mines (Underground) U NC Electroplater 4 DT Elevator Repairman - Qualified 4 DT Employment Agent 2 DT Engineer - Aeronautical 1 DT Engineer - Office, Consulting and Designing Duties Only - Qualified 1 DT Engineer - Offshore - Office, Cons, Design Only - No Man Wrk - Qualified 2 DT Engineer - Qualified - Other 2 DT Engineer - Structural (No Manual Work) - Qualified 1 DT Engineer - Up to 10% Manual Work - Qualified 2 DT Engraver/Etcher 3 DT Entertainment Industry - Actor 5 DO Entertainment Industry - Choreographer/Dancer 5 DO Entertainment Industry - Cinema/Theatre Administration Staff 2 DT Entertainment Industry - Cinema/Theatre Electrician/Technician 3 DT U - Uninsurable IC - Individual Consideration 56 Asteron Life

59 Occupation Rating Trustee Minimum Cover Entertainment Industry - Circus Performer/Trainer/Staff U NC Entertainment Industry - Distributor (Film) 2 DT Entertainment Industry - Engineer (Studio Only) 2 DT Entertainment Industry - Film Director/Producer 5 DO Entertainment Industry - Film Stuntmen U NC Entertainment Industry - Makeup Artist 3 DT Entertainment Industry - Musician (Symphony Orchestra, Full Time Salaried) 5 DO Entertainment Industry - Newsreader/Announcer 5 DO Entertainment Industry - Projectionist 3 DT Entertainment Industry - Radio Director/Producer 5 DO Entertainment Industry - Radio/TV Presenter/Identity 5 DO Entertainment Industry - Radio Scriptwriter 5 DO Entertainment Industry - Stage Manager 5 DO Entertainment Industry - Technician/Cameraman (On Location, No Overseas...) 5 DT Entertainment Industry - Technician/Cameraman (Studio Only) 3 DT Entertainment Industry - Television Director/Producer 5 DO Entertainment Industry - Television Scriptwriter 5 DO Entomologist 1 DT Estimator 2 DT Explosives Worker U NC Exporter/Importer - Clerical/Administration Only 2 DT Exporter/Importer - Other 5 DO Exterminator/Fumigator 5 DO Factory Employee - Skilled - Refer to Classification as per Trade Factory Employee - Unskilled - Including Process Workers 5 DO Farming - Farm Worker/Labourer 5 DO Farming - Grazier (see Grazier) Farming - Owner/Manager (4 or more Full Time Employees) 3 DT Farming - Owner/Manager (Less than 4 Full Time Employees) 4 DT Farming - Sugar Cane (Owner/Manager) 5 DO Farrier - Qualified 4 DT Fashion Designer (Not Working From Home) 2 DT Fast Food/Take Away Shop - Proprietor, Manager 4 DT Fast Food/Take Away Shop - Other 5 DO Fencing Contractor - Licensed 5 DO Fibreglass Moulder - Licensed 4 DT Financial Adviser/Consultant/Planner - University Qualified, meeting AA requirements 1 DT Financial Adviser/Consultant/Planner - Not Meeting AA Requirements 2 DT Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 57

60 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Fire Chief - Senior Officers - Administration Only 2 DT Fireman - Others 5 DO Fisherman - Others (Including Deck Hand) U NC Fisherman - Working Owner - Established Minimum 3 years, Not Seasonal, Returning Home Daily 5 DO Fishmonger - Proprietor, Manager 4 DT Fishmonger - Other 5 DO Fitter and Turner - Qualified 4 DT Flight Engineer - Aircraft Industry U NC Floor Sander 5 DO Floor Tiler - Licensed 4 DT Florist 3 DT Food Technologist 2 DT Forest Ranger/Warden 4 DT Forester - No Tree Felling 4 DT Forester - Tree Felling U NC Foundry Worker (Qualified) 5 DO French Polisher 3 DT Fruit Picker 5 DO Fumigator 5 DO Funeral Parlour - Embalming 3 DT Funeral Parlour - Driver/Pall Bearer 3 DT Funeral Parlour - Director/Undertaker 2 DT Furniture - Polisher/Restorer 3 DT Furniture - Removalist 5 DO Furrier 3 DT Garage Staff Service Station - Cashier/Console Operator 2 DT Garage Staff Service Station - Proprietor (No Manual Work) 2 DT Garage Staff Service Station - Pump Attendant/Operator 4 DT Garbage Disposal - Garbage Collector (Driving Truck Only) 4 DT Garbage Disposal - Garbage Collector (Others) 5 DO Gardener (Established Minimum 2 years - Not Seasonal) - Lawn Mowing/Gardening (no landscaping) Gardener - Landscaping - See Landscaper 4 DT Gas Industry (Domestic) - Fitter/Maintenance Worker/Mechanic - Licensed 4 DT Gas Industry (Domestic) - Inspector/Meter Reader/Tester 2 DT Gas Industry (Domestic) - Pipelayer 5 DO Geologist - Full Time Exploration/On Site (No Explosive Or Underground Duties) - Qualified 2 DT Geologist - Occasional Fieldwork (No Underground Duties) - Qualified 1 DT U - Uninsurable IC - Individual Consideration 58 Asteron Life

61 Occupation Rating Trustee Minimum Cover Geologist - Office/Consulting Only - Qualified 1 DT Geologist - Underground/Explosives - Qualified IC NC Glass Industry - Beveller/Blower/Glazier/Polisher 4 DT Glass Industry - Labourer 5 DO Goldsmith (Manufacture/Design) 3 DT Golf Professional - Shop and Tuition 3 DT Golf Professional - Shop Only 2 DT Golf Professional - Touring, Tournament 5 DO Graphic Designer - Qualified, not working from home 2 DT Grazier - Owner/Manager - More than 4 Full Time staff, no mustering 3 DT Grazier - Owner/Manager - Less than 4 Full Time staff 5 DO Greenkeeper/Groundsman - Qualified 4 DT Grocer/Green Grocer - Proprietor/Manager 4 DT Grocer/Green Grocer - Other 5 DO Guillotine Operator - Other 5 DO Gunsmith 3 DT Gym Instructor Full Time, Well Established, Minimum 3 years 5 DO Gynaecologist 1 DT Haberdasher 2 DT Hairdresser 3 DT Handyman - Established 2 Years - Qualified Trade 5 DO Hardware Retailer 3 DT Headmaster/Headmistress 1 DT Herbalist - Qualified (Not Working From Home) 2 DT Home Duties 2 DT Horse Racing and Trotting - Breeder/Trainer - No Riding 3 DT Horse Racing and Trotting - Breeder/Trainer - Riding 5 DO Horse Racing and Trotting - Horse Riding Instructor 5 DO Horse Racing and Trotting - Jockey (Flat racing) U NC Horse Racing and Trotting - Jockey (Steeplechase) U NC Horse Racing and Trotting - Strapper 5 DO Horse Racing and Trotting - Trainer - No Riding 3 DT Horse Racing and Trotting - Trainer - Riding 5 DO Horticulturist - Qualified - No landscaping 3 DT Horticulturalist - Other 4 DT Hospital Porter - Medical Profession 5 DO Hotel/Motel Industry - Receptionist/Clerical/Administration Only 2 DT Hotel/Motel Industry - Bartender (Full Time) 5 DO Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 59

62 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Hotel/Motel Industry - Bottleshop Manager 3 DT Hotel/Motel Industry - Bottleshop Attendant 4 DT Hotel/Motel Industry - Bouncer 5 DO Hotel/Motel Industry - Concierge (5 Star Hotel) 2 DT Hotel/Motel Industry - Cook - Qualified 3 DT Hotel/Motel Industry - Head waiter/maitre d (Hotel) 2 DT Hotel/Motel Industry - Housekeeper/Chambermaid 5 DO Hotel/Motel Industry - Kitchen-Hand 5 DO Hotel/Motel Industry - Maintenance - Licensed 4 DT Hotel/Motel Industry - Manager (5 Star Hotel) 2 DT Hotel/Motel Industry - Manager/Proprietor (Administration Only) 2 DT Hotel/Motel Industry - Manager/Proprietor, Bar Work Included 4 DT Hotel/Motel Industry - Porter 5 DO Hotel/Motel Industry - Waiter 5 DO House Removalist 5 DO Hypnotherapist - Member of Australian Hypnotherapist Association 2 DT Importer/Exporter - Clerical/Administration Only 2 DT Importer/Exporter - Other 5 DO Inspector - Boiler/Building/Hull (Not Diving) 3 DT Inspector - Insurance/Health/Education 2 DT Inspector - Meat 3 DT Inspector - Other U NC Instrument Manufacture - Musical 3 DT Instrument Manufacture - Precision 3 DT Instrument Manufacture - Surgical 3 DT Instrument Manufacture - Technician 3 DT Insulation Installer 5 DO Insurance Industry - Adjuster/Assessor 2 DT Insurance Industry - Agent/Broker (Others) 2 DT Insurance Industry - Agent/Broker (Well Established, Minimum 2 years Full Time Experience) 2 DT Insurance Industry - Clerical 2 DT Insurance Industry - Investigator 2 DT Insurance Industry - Management - Meeting AA requirements 1 DT Insurance Industry - Management - Not meeting AA requirements 2 DT Interior Decorator - Consulting Only 2 DT Interior Decorator - Light Manual 3 DT Interpreter 2 DT Investment Adviser - Salaried 2 DT U - Uninsurable IC - Individual Consideration 60 Asteron Life

63 Occupation Rating Trustee Minimum Cover Irrigation Worker 5 DO Jackeroo/Jillaroo 5 DO Janitor/Caretaker 4 DT Jewellery Industry - Manufacture 3 DT Jewellery Industry - Polisher/Cutter/Setter/Engraver 3 DT Jewellery Industry - Retail 2 DT Joiner - Licensed 4 DT Journalist - Freelance (No Overseas Assignments) - Office Only 5 DO Journalist - Freelance (No Overseas Assignments) - Other 5 DO Journalist - Salaried (No Overseas Assignments) - Office Only 2 DT Journalist - Salaried (No Overseas Assignments) 2 DT Judge 1 DT Juice Vendor 4 DT Kennel Proprietor 4 DT Keyboard Operator 2 DT Kitchen Hand 5 DO Laboratory Technician - Offshore 4 DT Laboratory Technician 2 DT Labourer (Manual, Unskilled Worker) 5 DO Landlord 5 DO Landscaper - Others 5 DO Landscaper - Qualified, Established Minimum 3 years 4 DT Lathe Operator - Qualified 4 DT Lawn Mowing Contractor (Established Minimum 2 years) 5 DO Lawyer 1 DT Lecturer - Other 2 DT Lecturer - University - Full Time 1 DT Librarian - Other 2 DT Librarian - University Qualified 1 DT Lifeguard - Professional/Beach Inspector 5 DO Linesman (Telephone or Electric) 5 DO Liquor Store - Proprietor, Manager 3 DT Liquor Store - Other 4 DT Livestock - Broker/Buyer/Dealer (At Stockyard) 3 DT Locksmith 3 DT Logging Industry - Driver 5 DO Logging Industry - Manual Worker 5 DO Machinery - Equipment Hire/Service/Repair/Maintenance 4 DT Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 61

64 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Machinist - Clothing - Not Working At Home 5 DO Machinist - Metal/Wood - Qualified 4 DT Machinist - Sailmaker 4 DT Mail Contractor - Not using a Motorbike or Pushbike 4 DT Mail Contractor - Using a Motorbike or Pushbike 5 DO Management Consultant - Meeting AA Requirements 1 DT Management Consultant - Not Meeting AA Requirements 2 DT Manager (Administration only) 2 DT Manicurist - Not Working at Home 3 DT Manicurist - Working from Home 5 DO Manufacturing Industry - Production Line 5 DO Marine Biologist - Field Work U NC Marine Biologist - Laboratory Only 1 DT Marine Industry - Crew (In Australian Waters) 5 DO Marine Industry - Crew (Outside Australian Waters) U NC Marine Industry - Ferry Captain/Officer 3 DT Marine Industry - Ferry Crew 5 DO Marine Industry - Ocean Going Vessel - Officer/Engineer (In Australian Waters) 5 DO Marine Industry - Ocean Going Vessel - Officer/Engineer (Outside Australian Waters) U NC Market Gardener 4 DT Market Stall Holder 5 DO Martial Arts Instructor (Full time, Established Minimum 3 years) 5 DO Masseur/Masseuse (Qualified) - From Home 5 DO Masseur/Masseuse (Qualified) - Well Established Minimum 2 years In Practice/Sports Club 3 DT Mathematician 1 DT Meat Industry - Butcher - Non Slaughtering 3 DT Meat Industry - Butcher - Slaughtering 5 DO Meat Packer - Abattoirs 5 DO Mechanic - Also see under Motor Industry 3 DT Medical Profession - Acupuncturist (Qualified)/Member of Acupuncture Association of Australia 2 DT Medical Profession - Anaesthetist 1 DT Medical Profession - Audiologist 1 DT Medical Profession - Chiropodist - Qualified and State Registered 2 DT Medical Profession - Chiropractor - Qualified and State Registered 2 DT Medical Profession - Dental/Orthodontic Technician 2 DT Medical Profession - Dental Hygienist 2 DT Medical Profession - Dental Surgeon 1 DT Medical Profession - Dietician - Qualified 1 DT U - Uninsurable IC - Individual Consideration 62 Asteron Life

65 Occupation Rating Trustee Minimum Cover Medical Profession - Doctor/Physicist/Specialist 1 DT Medical Profession - Enrolled Nurse 4 DT Medical Profession - Gynaecologist 1 DT Medical Profession - Herbalist - Qualified, not working from home 2 DT Medical Profession - Homoeopath - Qualified, not working from home 2 DT Medical Profession - Hospital Administration 2 DT Medical Profession - Domestic/Cleaner 5 DO Medical Profession - Hospital Maintenance - Licensed 4 DT Medical Profession - Hospital Maintenance - Other 5 DO Medical Profession - Hospital Wardsman 4 DT Medical Profession - Hypnotherapist - Member of Australian Hypnotherapist Association 2 DT Medical Profession - Matron - Administration Only 2 DT Medical Profession - Midwife 3 DT Medical Profession - Naturopath - Qualified (Not Working from Home) 2 DT Medical Profession - Nurse - General/Psychiatric 3 DT Medical Profession - Nurse - Theatre 3 DT Medical Profession - Nurses Aide 4 DT Medical Profession - Obstetrician 1 DT Medical Profession - Occupational Therapist - Qualified 1 DT Medical Profession - Ophthalmologist 1 DT Medical Profession - Optical Technician 2 DT Medical Profession - Optician 1 DT Medical Profession - Optometrist 1 DT Medical Profession - Orthodontist 1 DT Medical Profession - Osteopath - Qualified and State Registered 2 DT Medical Profession - Paediatrician 1 DT Medical Profession - Pathologist 1 DT Medical Profession - Pharmacist 1 DT Medical Profession - Physiotherapist - APA Qualified 2 DT Medical Profession - Podiatrist - Qualified and State Registered 2 DT Medical Profession - Psychiatrist 1 DT Medical Profession - Psychologist 1 DT Medical Profession - Radiographer 2 DT Medical Profession - Radiologist 1 DT Medical Profession - Radiotherapist/Radiographer 2 DT Medical Profession - Social Worker - Office Only 2 DT Medical Profession - Social Worker - Field Visits 2 DT Medical Profession - Speech Therapist - Qualified 2 DT Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 63

66 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Medical Profession - Surgeon 1 DT Medical Profession - Technologist 2 DT Medical Profession - Urologist 1 DT Metal Industry - Dealers 5 DO Metal Industry - Electroplater/Enameller 4 DT Metal Industry - Fitter and Turner - Qualified 4 DT Metal Industry - Foundry Worker - Qualified 5 DO Metal Industry - Metallurgist - Office Duties Only 1 DT Metal Industry - Metallurgist - Other 2 DT Metal Industry - Sheet Metal Worker 5 DO Metal Industry - Welder/Boilermaker 4 DT Meteorologist 1 DT Meter Reader (Gas/Electricity) 3 DT Midwife - Medical Profession 3 DT Military Personnel - All Ranks No Special Hazards U NC Military Personnel - Bomb Disposal U NC Military Personnel - Diver U NC Military Personnel - Office Duties Only 5 DO Military Personnel - Parachutists U NC Military Personnel - Pilots And Crew U NC Military Personnel - Special Air Services/Commandos U NC Military Personnel - Submariner U NC Milk Vendor 4 DT Mining and Quarrying - Geologist/Metallurgist (No Underground) 1 DT Mining and Quarrying - Management/Clerical (Office Based) 2 DT Mining and Quarrying - Management/Clerical (Other) 2 DT Mining and Quarrying - Open Cut and Strip Mine Engineer 4 DT Mining and Quarrying - Open Cut and Strip Mine Supervisor 4 DT Mining and Quarrying - Open Cut and Strip Mine Worker Licensed Tradesman 4 DT Mining and Quarrying - Open Cut and Strip Mine Worker Semi Skilled Plant Operator 5 DO Mining and Quarrying - Open Cut and Strip Mine Worker Unskilled Labourer 5 DO Mining and Quarrying - Open Cut and Strip Mine Working with Explosives U NC Mining and Quarrying - Sandblaster (Quarry) 5 DO Mining and Quarrying - Underground Mine Fire Fighter U NC Mining and Quarrying - Underground Mine Worker U NC Minister (Clergyperson) 2 DT Model (Photographic) 5 DO Monumental Mason 4 DT U - Uninsurable IC - Individual Consideration 64 Asteron Life

67 Occupation Rating Trustee Minimum Cover Motor Industry - Accessories/Spares sales 3 DT Motor Industry - Auto Electrician - Qualified 3 DT Motor Industry - Brake Repairer 4 DT Motor Industry - Car Detailer 5 DO Motor Industry - Manager 2 DT Motor Industry - Manufacture - Assembly 5 DO Motor Industry - Manufacture - Foundry Worker - Qualified 5 DO Motor Industry - Mechanic - Qualified 3 DT Motor Industry - Motor Dealer 2 DT Motor Industry - Motor Salesman 2 DT Motor Industry - Motor Wrecker 5 DO Motor Industry - Panel Beater 4 DT Motor Industry - Spray Painter 4 DT Motor Industry - Tyre Fitter 5 DO Motor Industry - Vehicle Tester 3 DT Motor Industry - Wheel Alignment (No Tyre Fitting) 4 DT Music Teacher Full time, (Not Teaching From Home) 2 DT Musician (Salaried) 5 DO Naturopath - Qualified (Not Working At Home) 2 DT Newspaper Industry - Compositor/Lithographer(Computerised) 2 DT Newspaper Industry - Editor 2 DT Newspaper Industry - Journalist - Salaried (No Overseas Assignments) - Office Only 2 DT Newspaper Industry - Journalist - Other - Salaried (No Overseas Assignments) 2 DT Newspaper Industry - Journalist Freelance (No Overseas Assignments) 5 DO Newspaper Industry - Journalist Freelance (No Overseas Assignments) - Other 5 DO Newspaper Industry - Newsagent - Deliveries 3 DT Newspaper Industry - Newsagent - Sales Only 2 DT Newspaper Industry - Photographer - Salaried (Not Aerial Or Overseas) 3 DT Newspaper Industry - Photographer Freelance (Not Aerial Or Overseas) 5 DO Newspaper Industry - Printer/Linotype 3 DT Night Watchman 5 DO Nurse - Aide/Assistant 4 DT Nurse - Dental 2 DT Nurse - Director of Nursing 2 DT Nurse - Educator - Class Room Only 2 DT Nurse - Educator - Other 2 DT Nurse - Enrolled 4 DT Nurse - Registered 3 DT Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 65

68 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Nurse - Matron (Administration only) 2 DT Nursery (Plant) - Other 4 DT Nursery (Plant) - Proprietor - Established Minimum 2 Years 3 DT Obstetrician - Medical Profession 1 DT Oil, Petroleum and Gas Industry - Offshore Worker - Crane Driver U NC Oil, Petroleum and Gas Industry - Offshore Worker - Derrickmen U NC Oil, Petroleum and Gas Industry - Offshore Worker - Driller U NC Oil, Petroleum and Gas Industry - Offshore Worker - Engineer (Office and Consulting) 2 DT Oil, Petroleum and Gas Industry - Offshore Worker - Geologist/Geophysicist 2 DT Oil, Petroleum and Gas Industry - Offshore Worker - Lab Technician 4 DT Oil, Petroleum and Gas Industry - Offshore Worker - Labourer U NC Oil, Petroleum and Gas Industry - Offshore Worker - Skilled Tradesman U NC Oil, Petroleum and Gas Industry - On Shore Worker - Crane Driver 5 DO Oil, Petroleum and Gas Industry - On Shore Worker - Derrickmen 5 DO Oil, Petroleum and Gas Industry - On Shore Worker - Driller 5 DO Oil, Petroleum and Gas Industry - On Shore/Onsite - Engineer 2 DT Oil, Petroleum and Gas Industry - On Shore/Onsite - Geologist 2 DT Oil, Petroleum and Gas Industry - On Shore Worker - Lab Technician 2 DT Oil, Petroleum and Gas Industry - On Shore Worker - Labourer 5 DO Oil, Petroleum and Gas Industry - On Shore Worker - Machine Operator 5 DO Oil, Petroleum and Gas Industry - On Shore Worker - Tanker Driver 5 DO Oil, Petroleum and Gas Industry - On Shore Worker - Tool Pusher 5 DO Oil, Petroleum and Gas Industry - On Shore Worker - Trench Digger 5 DO Oil, Petroleum and Gas Industry - On Shore Worker - Welder 4 DT Oil, Petroleum and Gas Industry - Refinery - Firefighter U NC Oil, Petroleum and Gas Industry - Refinery - Other U NC Oil, Petroleum and Gas Industry - On Shore Worker - Repairman - Qualified 4 DT Optical Technician -Medical Profession 2 DT Optician - Medical Profession 1 DT Optometrist - Medical Profession 1 DT Oyster Farmer 4 DT Painter - Above 10 Metres - Licensed 5 DO Painter - Up To 10 Metres - Licensed 4 DT Panel Beater 4 DT Parking Station Attendant 5 DO Parole Officer - (Including field visits) 3 DT Parole Officer - (Office only) 2 DT Pastry Cook 3 DT U - Uninsurable IC - Individual Consideration 66 Asteron Life

69 Occupation Rating Trustee Minimum Cover Pathologist - Medical Profession 1 DT Pattern Maker 4 DT Paver - Licensed 5 DO Pawnbroker 3 DT Personal Trainer - Established, Minimum 3 Years Full Time - Gym Only 5 DO Personnel Consultant - not meeting AA requirements 2 DT Personnel Consultant - meeting AA requirements 1 DT Pest Exterminator 5 DO Pharmacist - Medical Profession 1 DT Photographer - On Location (Not Aerial or Overseas) 3 DT Photographer - Studio,Weddings and Private Functions Only 2 DT Physicist 1 DT Physiotherapist - APA Qualified - Medical Profession 2 DT Piano Tuner 3 DT Picture Framer - Manufacture/Repairer 3 DT Pilot (Aircraft) U NC Pilot (Harbour) 3 DT Pipeline Worker - Mainland 5 DO Pipeline Worker - Offshore U NC Plant Operator 5 DO Plasterer - Licensed 4 DT Plumber - Licensed 4 DT Plumber - Roof (Full Time) - Licensed 5 DO Police - Bomb Disposal U NC Police - Other 5 DO Pool table/billiards - Maker/Repairer 4 DT Port Authority - Clerical 2 DT Port Authority - Harbour Pilot 3 DT Porter 5 DO Postal (Non Rural) - Delivery (Van) 4 DT Postal (Non Rural) - Manager/Clerical 2 DT Postal (Non Rural) - Postman/Sorter 3 DT Pottery and Ceramics Industry - Skilled Worker (Not Home Cottage Artisan) 4 DT Pottery and Ceramics Industry - Other 5 DO Priest 2 DT Printer 3 DT Prisons - Governor/Administration Staff 2 DT Prisons - Maintenance Staff - Licensed 5 DO Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 67

70 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Prisons - Warden/Guard U NC Private Detectives/Investigators - Well Established, Minimum 3 years and Unarmed 4 DT Private Detectives/Investigators - Other 5 DO Process Worker 5 DO Projectionist 3 DT Property Industry - Consultant (Salaried) 2 DT Property Industry - Developer 5 DO Property Industry - Investor 5 DO Property Industry - Land Broker 2 DT Psychiatrist - Medical Profession 1 DT Psychologist - Medical Profession 1 DT Publican - Other 4 DT Publican - Supervision Only - No Bar Work - At Least 4 Full Time staff 3 DT Publisher 2 DT Purchasing Officer 2 DT Quality Controller 2 DT Quantity Surveyor - Qualified 1 DT Quarry - Worker - Licensed Tradesman (No Explosives) 4 DT Quarry - Worker - Semi Skilled/Plant Operator etc. 5 DO Quarry - Worker - Unskilled/Labourer 5 DO Quarry - Manager (no manual work) 3 DT Radio/Television - Repairman 3 DT Radio Operator - Airports 2 DT Railways - Fireman U NC Railways - Foreman, Inspector (Nil Track Work) 4 DT Railways - Guard (Nil Track Work) 4 DT Railways - Office Worker 2 DT Railways - Porter 5 DO Railways - Shunter 5 DO Railways - Signalman (Nil Track Work) 4 DT Railways - Station Master/Assistant 3 DT Railways - Track worker 5 DO Railways - Train Driver 5 DO Railways - Security/Special Constable - Unarmed 5 DO Railways - Security/Special Constable - Armed 5 DO Ranger 4 DT Real Estate Agent - Others 2 DT Real Estate Agent - Principal of Agency at least 5 salespeople 2 DT U - Uninsurable IC - Individual Consideration 68 Asteron Life

71 Occupation Rating Trustee Minimum Cover Real Estate Sales - Property Industry 2 DT Receptionist 2 DT Refrigeration Mechanic - Commercial 4 DT Refrigeration Mechanic - Private/Domestic Premises 3 DT Removalist - Furniture 5 DO Rigger - Up To 10 Metres 5 DO Rigger - Above 10 Metres U NC Road Maker/Painter/Surfacing 5 DO Roof Plumber - Licensed 5 DO Roof Tiler - Licensed 5 DO Sailmaker 4 DT Sales - Car/Caravan 2 DT Sales - Commercial Traveller 2 DT Sales - Sales Representative (No Deliveries) 2 DT Sandblaster 5 DO Saw and Knife Sharpener 5 DO Scaffolder - Up To 10 Metres 5 DO Scaffolder - Above 10 Metres U NC Scientist 5 DO Scrap Metal Worker 5 DO Screen Printer 3 DT Secretary, Stenographer 2 DT Security Guard - Armed 5 DO Security Guard - Unarmed 5 DO Serviceman/Repairman - Appliance/Vending Machines 3 DT Serviceman/Repairman - Office Equipment 3 DT Shearer 5 DO Sheet Metal Worker 5 DO Shipyard Worker - Skilled and Semi-Skilled 4 DT Shipyard Worker - Unskilled 5 DO Shoemaker/Repairer 3 DT Shopfitter 3 DT Shopkeeper - Adult Books/Goods 4 DT Shopkeeper - Antiques (Restoration, Delivery) 3 DT Shopkeeper - Antiques (Sales Only, No Manual) 2 DT Shopkeeper - Aquarium 3 DT Shopkeeper - Artist Supplies 2 DT Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 69

72 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Shopkeeper - Bakery 3 DT Shopkeeper - Bedding - Sales Only 2 DT Shopkeeper - Bicycle Sales/Repairs 3 DT Shopkeeper - Boating Equipment - Sales Only 3 DT Shopkeeper - Books, Stationery 2 DT Shopkeeper - Brassware - Sales Only 3 DT Shopkeeper - Butchery 3 DT Shopkeeper - Café - Proprietor, Manager, 4 or more Full Time Staff 3 DT Shopkeeper - Café - Proprietor, Manager, Other 4 DT Shopkeeper - Café - Other 5 DO Shopkeeper - Cane - Sales Only 3 DT Shopkeeper - Cards 2 DT Shopkeeper - Carpet/Floor Covering - Sales Only 2 DT Shopkeeper - Chemist Assistant 2 DT Shopkeeper - Children wear 2 DT Shopkeeper - China Glassware 2 DT Shopkeeper - Clothing 2 DT Shopkeeper - Coffee Lounge - Proprietor, Manager, 4 or more Full Time Staff 3 DT Shopkeeper - Coffee Lounge - Proprietor, Manager, Other 4 DT Shopkeeper - Coffee Lounge - Other 5 DO Shopkeeper - Computer 2 DT Shopkeeper - Confectionery 2 DT Shopkeeper - Curtain 2 DT Shopkeeper - Delicatessen - Proprietor, Manager 3 DT Shopkeeper - Delicatessen - Other 4 DT Shopkeeper - Disposals 3 DT Shopkeeper - Draper 2 DT Shopkeeper - Drycleaner - Proprietor, Manager 3 DT Shopkeeper - Drycleaner - Other 4 DT Shopkeeper - Duty Free 2 DT Shopkeeper - Electrical Goods - Rentals Only, No Manual Work 2 DT Shopkeeper - Electrical Goods - Sales Only 3 DT Shopkeeper - Fast Food/Takeaway - Proprietor, Manager 4 DT Shopkeeper - Fast Food/Takeaway - Other 5 DO Shopkeeper - Fast Food/Takeaway - Manager, Franchise Operator e.g. McDonalds etc. 3 DT Shopkeeper - Fishmonger - Proprietor, Manager 4 DT Shopkeeper - Fishmonger - Other 5 DO Shopkeeper - Florist (no deliveries) 2 DT U - Uninsurable IC - Individual Consideration 70 Asteron Life

73 Occupation Rating Trustee Minimum Cover Shopkeeper - Florist (with deliveries) 3 DT Shopkeeper - Footwear 3 DT Shopkeeper - Fruiter/Greengrocer - Proprietor, Manager 4 DT Shopkeeper - Fruiter/Greengrocer - Other 5 DO Shopkeeper - Furniture - Sales Only 3 DT Shopkeeper - General Store 3 DT Shopkeeper - Gift 2 DT Shopkeeper - Grocer - Proprietor, Manager 4 DT Shopkeeper - Grocer - Other 5 DO Shopkeeper - Gun and Firearm 3 DT Shopkeeper - Haberdashery/Draper 2 DT Shopkeeper - Hardware - Sales Only 3 DT Shopkeeper - Health Food (Proprietor) 2 DT Shopkeeper - Ice Cream Parlour 3 DT Shopkeeper - Jewellery 2 DT Shopkeeper - Lawn Mower - Sales Only 2 DT Shopkeeper - Light Fittings 2 DT Shopkeeper - Lingerie 2 DT Shopkeeper - Liquor Store - Proprietor, Manager 3 DT Shopkeeper - Liquor Store - Other 4 DT Shopkeeper - Locksmith 3 DT Shopkeeper - Milk Bar - Proprietor, Manager 4 DT Shopkeeper - Milk Bar - Other 5 DO Shopkeeper - Motor Vehicle Accessories/Spare Parts 3 DT Shopkeeper - Music/Musical Instruments 2 DT Shopkeeper - Newsagent - Deliveries 3 DT Shopkeeper - Newsagent - Sales Only 2 DT Shopkeeper - Nursery - Other 4 DT Shopkeeper - Nursery - Sales Only 3 DT Shopkeeper - Office Supplies 2 DT Shopkeeper - Pawnbroker 3 DT Shopkeeper - Petshop 3 DT Shopkeeper - Photographic 2 DT Shopkeeper - Sporting Goods 2 DT Shopkeeper - Supermarket - Administration 2 DT Shopkeeper - Supermarket - Cashier 3 DT Shopkeeper - Supermarket - Cold Room 4 DT Shopkeeper - Supermarket - Maintenance - Licensed 4 DT Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 71

74 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Shopkeeper - Supermarket - Meat/Poultry/Fish 3 DT Shopkeeper - Supermarket - Produce 3 DT Shopkeeper - Supermarket - Shelf Stockist 5 DO Shopkeeper - Supermarket - Storeman 4 DT Shopkeeper - Tobacconist 2 DT Shopkeeper - Video Shop 2 DT Shopkeeper- Camping equipment 3 DT Shopkeeper- Manchester 2 DT Shopkeeper- Paint and Wallpaper 3 DT Shopkeeper- Pharmacy/Pharmacist - Qualified 1 DT Shopkeeper- Pool Supplies 3 DT Shopkeeper- Shoe Shop 2 DT Shopkeeper- Stationary supplies 2 DT Sign Erector - Up To 10 Metres 3 DT Sign Erector - Above 10 Metres 5 DO Signwriter 4 DT Singer 5 DO Skylight Fitter 4 DT Slaughterman 5 DO Social Worker - Office Only 2 DT Social Worker - Field Visits 2 DT Soil Technician 3 DT Solicitor 1 DT Sound Engineer 2 DT Sportsperson (Professional) 5 DO Spray Painter - Motor Industry 4 DT Statistician 1 DT Steel Fixer - Building and Construction 5 DO Steeplejack/Steel Erector - Up To 10 Metres 5 DO Steeplejack/Steel Erector - Above 10 Metres U NC Stevedore/Docker 5 DO Stockbroker (Registered) 1 DT Stockman - Agriculture 5 DO Stonemason - Skilled - Licensed 4 DT Storeman and Packer 4 DT Student 5 DO Stuntperson U NC Sugar Cane Farmer - Owner/ Manager 5 DO U - Uninsurable IC - Individual Consideration 72 Asteron Life

75 Occupation Rating Trustee Minimum Cover Surgeon - Medical Profession 1 DT Surveyor - Field 2 DT Surveyor - Marine (No Diving) 3 DT Surveyor - Mine (No Underground) 3 DT Surveyor - Qualified (Office only) 2 DT Surveyor - Quantity - Qualified 1 DT Swimming Pool - Attendant 5 DO Swimming Pool - Builder - Licensed 4 DT Swimming Pool - Cleaner/Maintenance 5 DO Swimming Pool - Proprietor/Manager (No Manual) 3 DT Tab - Manager 2 DT Tab - Staff 3 DT Tailor - Well Established - Not Working From Home 3 DT Tanner 4 DT Taxation Consultant - Qualified 1 DT Taxation Consultant - Other 2 DT Taxi Driver (Full Time) (Including Water Taxi) Owner Established Minimum 2 years 4 DT Taxi Driver - Others (Full Time) 5 DO Taxidermist 3 DT Telephone Technician - No Underground or Heights 3 DT Telephone Technician - Telephonist/Switchboard 2 DT Television Repairman - Qualified 3 DT Test Pilot U NC Theatre and Cinema - Management/Administration 2 DT Theatre and Cinema - Ticket Seller/Usher/Projectionist 2 DT Tiler - Floor and Wall - Licensed 4 DT Tiler - Roof - Licensed 5 DO Timber Industry - Merchant 3 DT Timber Industry - Mill Worker 5 DO Timber Industry - Sawyer 5 DO Timber Industry - Tree Feller/Lopper U NC Timber Industry - Tree Stump Remover 5 DO Timber Industry - Tree Surgeon - Qualified (Not Working at Heights) 5 DO Tool Maker - Qualified 4 DT Tourism - Excursions/Tours (Full Time, Australia Only) 2 DT Tourism - Other U NC Town Planner 2 DT Travel Agent 2 DT Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 73

76 Occupational Ratings for Insurance (continued) Occupation Rating Trustee Minimum Cover Tree Surgeon - Qualified (Not Working at Heights) 5 DO Trench Digger 5 DO Truck Driver - Interstate (Minimum 2 years Experience, Regular Contracts) 5 DO Truck Driver - Intrastate (Returning Home Daily) 5 DO Truck Driver - Suburban 5 DO Truck Driver - Tanker Driver (Petrol, Petroleum Products) 5 DO Truck Driver - Tow Truck 5 DO Tugboat Operator - Harbour Only 5 DO Type Setter - Computer 2 DT Type Setter - Manual 3 DT Typist 2 DT Tyre Fitter 5 DO Unemployed 5 DO Upholsterer 3 DT Valet 3 DT Valuer - Livestock 3 DT Valuer - Property/Other 2 DT Vendor (Milk/Bread/Juice/etc.) 4 DT Veterinary - Nurse 3 DT Veterinary - Surgeon (Domestic Pets) 1 DT Veterinary - Surgeon (Livestock) 2 DT Vigneron 3 DT Vineyard - Owner/Manager 3 DT Vineyard - Worker - Unskilled 5 DO Waiter 5 DO Watchmaker/Repairer 3 DT Watchman (Night) 5 DO Weaver - Not working from home 3 DT Welder - Qualified 4 DT Wharf Worker 5 DO Window Cleaner 5 DO Window Dresser 3 DT Window Tinter 3 DT Windscreen Fitter 3 DT Wine Maker 3 DT Wine Merchant (Vintner) - Sales and Light Manual 3 DT Wool Classer - City 2 DT Wool Classer - Country 3 DT U - Uninsurable IC - Individual Consideration 74 Asteron Life

77 Occupation Rating Trustee Minimum Cover Wrecker - Building 5 DO Wrecker - Motor 5 DO Zoo Worker (Wildlife Attendant) - Other - Unqualified 4 DT Zoo Worker (Wildlife Attendant) - With Tertiary Qualifications 3 DT Zoologist - No Overseas Or Field Work 1 DT Occupational ratings for insurance U - Uninsurable IC - Individual Consideration Optimum Corporate and Personal Insurance premiums and occupation ratings guide 75

78 Customer Service Centre Address Level Kent Street Sydney NSW 2000 GPO Box 1576 Sydney NSW www [email protected] asteronlife.com.au MYSUPER AUTHORISATION NUMBER , Monday to Friday, 8am - 6pm (Eastern Standard Time) AS /01/14 A