Living Expenses Cover
|
|
- Christiana French
- 8 years ago
- Views:
Transcription
1 Living Expenses Cover Policy Wording Putting plans in place for the future
2 Welcome to AA Life Helping put plans in place for the unexpected AA Life Services Limited is pleased to provide you with the confidence of knowing that if you re unable to work due to sickness or injury, you could receive the financial support you need. AA Life policies are provided and underwritten by Asteron Life Limited. AA Life s contact details are: Asteron Centre Level 13, 55 Featherston Street Wellington, 6011 PO Box 894, Wellington, 6140 New Zealand Telephone Fax Please call us if you need any information on your policy. 1. Understanding this policy Please carefully read this Policy Wording and the separate Policy Summary that goes with it. this Policy Wording contains important information about the policy. For example, it explains what benefits will be paid, what exclusions apply and how to make a claim. your Policy Summary contains important information specific to you. For example, it sets out who the Person Insured is, the Cover Amount, the Benefit Period and Premium Amounts that apply when the policy starts and any special conditions. In this Policy Wording, you means the Person Insured. The Person Insured is also the Policy Owner of this Living Expenses Cover policy. Some important words in this Policy Wording are Capitalised. These words have a special meaning. The meaning of these words is explained in section 6. Defined terms. Note that this policy has no cash value, so we will not pay any money if you decide to cancel the policy. We realise it s a lot to take in, but take the time to read it now, and you won t have to worry about it later. 2. Benefits of this policy 2.1 Living Expenses Benefit We will pay you a monthly benefit equal to the Cover Amount if you experience a Disability and: at the end of your Waiting Period you are Unable To Work for 10 hours or more per week in your Usual Occupation, or at the end of the Waiting Period you are unable to perform 2 or more Activities of Daily Living (ADLs) without physical assistance from someone else. For us to consider accepting any claim under the Living Expenses Benefit, or make any further monthly payments for that claim, you must: be following the advice of a Registered Doctor on an ongoing basis, including recommended treatment and rehabilitation, and not be working in any other form of work, whether paid or unpaid, outside your Usual Occupation. We will pay the Cover Amount in advance each month, until any of the following occur: you no longer meet the criteria for the Living Expenses Benefit we have paid you a Living Expenses Benefit for your full Benefit Period your 65th birthday. Once your Living Expenses Benefit claim has ended, you will be able to claim again for a different Disability. This will be treated as a new claim, your Benefit Period will start again and another Waiting Period will apply. 2.2 Mental Health Benefit We will pay you a monthly benefit equal to the Cover Amount if you are diagnosed with a Mental Illness, and: at the end of your Waiting Period you are unable to work for 10 or more hours per week in your Usual Occupation. For us to consider accepting any claim under the Mental Health Benefit, or make any further monthly payments for that claim, you must: have a current diagnosis consistent with clinical guidelines for the diagnosis of mental health disorders that are acceptable to us be following the advice of a Registered Doctor on an ongoing basis, including recommended treatment and rehabilitation have been referred to and be consulting with a psychiatrist and/or a psychologist at least every 15 days for the duration of your claim have been prescribed with appropriate medication and be complying with the dosage not be working in any other form of work, whether paid or unpaid, outside your Usual Occupation. We will pay the Cover Amount in advance each month, until any of the following occur: you are eligible to receive a payment under the Living Expenses Benefit you no longer meet the criteria for the Mental Health Benefit you have received the equivalent of 6 monthly payments of the Cover Amount for the Mental Health Benefit your 65th birthday. Once you have received the equivalent of 6 monthly payments of the Cover Amount for the Mental Health Benefit, you will not be able to make any further claims under the Mental Health Benefit.
3 2.3 Recurrent Disability Benefit If you experience a Disability and we accept your claim for a benefit under this policy, we will not apply another Waiting Period if you experience the same or a related Disability again. For your Disability to be considered recurring, your previous claim must have ended within 12 months of the recurrence and before we: paid your full Benefit Period if your claim was for a Living Expenses Benefit, or paid you the equivalent of 6 monthly payments of the Cover Amount if your claim was for the Mental Health Benefit. Your Benefit Period will not start again for a recurrent Disability. It will continue from when your previous claim ended. The maximum that we will pay for your Disability (including any recurrences of it) is limited to: your full Benefit Period being paid under a Living Expenses Benefit 6 monthly payments of your Cover Amount under the Mental Health Benefit. 2.4 Disability Reset Benefit If you go back to work full time for 12 consecutive months after your Living Expenses Benefit claim ends we will reset your Benefit Period. This means that if you need to claim another time for that same or a related Disability, you will be able to claim for your full Benefit Period again. We will treat any claims where your Benefit Period has been reset as a new claim and the Waiting Period and all other terms of the Living Expenses Benefit will apply. Please note: The Disability Reset Benefit does not apply to the Mental Health Benefit. 2.5 Waiver of Premium Benefit You will not be required to pay premiums to us for your Living Expenses Cover for the period of time you are receiving any benefit payments under this policy from us. You will need to pay premiums during your Waiting Period, but we will refund these premiums to you with the first payment of your monthly Cover Amount if we accept your claim. You will need to start paying premiums again as soon as your claim ends. 2.6 Cover Suspension Benefit You can tell us to put your Living Expenses Cover policy and premiums on hold. We will suspend cover and premiums for a minimum of 3 months and a maximum of 12 months from the time you tell us in writing. The Cover Suspension Benefit is only available if your policy has been continuously in force for, and premiums have been paid for, at least the previous 12 consecutive months, and either: you become unemployed you are on employer-approved leave without pay. If cover is suspended, it is not automatically restarted. To restart the cover you must, within 12 months of the date the cover was suspended, ask us to restart the cover and pay the next premium. Otherwise, we will cancel your Living Expenses Cover. If your cover is restarted, we will not pay any claim for any Disability that arises directly or indirectly from a medical condition that, while your cover was suspended: you experienced signs or symptoms of you sought advice for, or you were diagnosed with. 3. Policy exclusions 3.1 What policy exclusions apply? We will not pay any claim if your Disability occurs as a direct or indirect result of any of the following: you participating in a criminal or illegal act an intentional self-inflicted act a Mental Illness, unless covered under the Mental Health Benefit pregnancy, miscarriage or childbirth, unless you are Unable to Work for more than 3 months after the pregnancy ends. If this is the case, we will consider your Disability to start 3 months after the pregnancy ended Human immunodeficiency virus (HIV) or Acquired immunodeficiency syndrome (AIDS) war or any war-like activity, whether war is declared or not you using drugs or being under the influence of alcohol (unless those drugs were prescribed by a Registered Doctor and taken as directed) you engaging in a work or a lifestyle activity that involves explosives, weapons, heights above 20 metres, depths below 30 metres or speeds above 130km per hour other than as a fare-paying passenger on a commercial airline you being in a country or region where the New Zealand Government has advised against all travel or advised that all non-essential travel should be deferred. These countries or regions are currently classified as Extreme or High risk and can be found at If the New Zealand Government no longer publishes these ratings, we will use the last rating list published by the New Zealand Government. Otherwise we will choose an alternative list that we will inform you of on or before the next anniversary of the start date of your policy. We will also not pay a claim if you are: eligible to receive a benefit from Accident Compensation Corporation (ACC) for your Disability working in any paid employment other than your Usual Occupation. 3.2 Pre-Existing Conditions Exclusion If your Policy Summary shows that you have a Pre-Existing Conditions Exclusion this section applies to you. If you have this exclusion, it will be in the Special Notes section of your Policy Summary. We will not pay any claim arising directly or indirectly from: any medical condition that you have been diagnosed with but you have not recovered from, by the date your Cover Starts or Restarts; or any sickness or injury or medical condition for which, in the 5 years before the date your Cover Starts or Restarts: you had symptoms that would cause a reasonable person to seek advice or treatment from a Registered Doctor or any other medical practitioner; or medical advice or treatment was recommended by, or received from, a Registered Doctor or any other medical practitioner. If you claim for the effects of stroke, brain haemorrhage, heart attack or coronary heart disease, we will not pay a benefit if in the 5 years before the date your Cover Starts or Restarts, you: had a Body Mass Index (BMI) of 40 or greater; had a total blood cholesterol above 7.0 mmol/l; have resting systolic blood pressure above 160 mmhg and diastolic blood pressure above 100 mmhg; or were a diabetic and: suffered from proteinuria, kidney disease, retinopathy or neuropathy; or were admitted to hospital for treatment of diabetes or any condition resulting from diabetes.
4 4. How this policy works 4.1 How is your Cover Amount calculated? Your Cover Amount is the amount shown on your Policy Summary when the policy starts. On each anniversary of the date your Cover Starts, we will offer to increase your Cover Amount in line with inflation. This means that as the average cost of living increases, so will your Cover Amount. We will offer to increase your Cover Amount by: the same percentage as the increase in the Consumer Price Index (CPI) published by Statistics New Zealand for the year ending on the previous 31 March, to a maximum of 10%, or a minimum of 2% if the CPI is less than 2%. If the increase in CPI for that year is not available on the anniversary date, we will use the increase in CPI for the previous year. If the CPI is no longer published we will choose an alternative index. We will offer this increase regardless of any changes to your health or occupation, and your premium will be increased to reflect the increase in Cover Amount. We will write to you at least 28 days before the anniversary date of your policy to tell you about changes to your Cover Amount and Premium Amount. We will not offer to increase your Cover Amount if: you have previously declined 3 successive offers to increase your Cover Amount, or your Cover Amount has reached the maximum of $3, How is your premium calculated? Your premium is not fixed. On each anniversary of the date your Cover Starts, your premium will be recalculated based on our premium rates at that time and your: current Cover Amount Benefit Period current age gender smoking status occupation as recorded at application premium loadings applied to your cover at application. We will also apply any discounts you are entitled to, including the Health and Lifestyle discount and AA Member discount. If these are applied they will appear on your most recent Living Expenses Cover statement sent to you by us. The Premium Amount must be paid in New Zealand dollars by a payment method approved by us. We will give you at least 28 days written notice of any change to your Premium Amount, posted to your last known address. The notice is considered to have been received by you on the third day after posting. Premiums are payable until the policy ends. 4.3 When does your cover start and end? Your cover under this policy begins on the date your Cover Starts as shown on your Policy Summary or the date we choose if we restart your policy. Your Cover Ends on the earliest of: the date your Cover Ends as shown on your Policy Summary the date you turn 65 years old your death the date you cancel this policy 30 days after you miss a premium payment. No benefits will be paid for any Disability that occurs before the date your Cover Starts or after the date your Cover Ends. If your policy ends because of an unpaid premium, you can apply to us to restart your policy. You must apply within 12 months of your policy ending. We will advise you of the conditions for restarting your policy and will tell you in writing if and when it is restarted. 5. Claiming under this policy 5.1 How do you claim? To make a claim, contact AA Life on: Telephone ; or claims@aalife.co.nz; or Mail AA Life Claims, PO Box 894, Wellington Contact us and tell us about your claim. Do this straight away; don t wait until the end of your Waiting Period. If you don t tell us as soon as the claimable event has happened, we may not be able to assess your claim. Complete the claim form we send you. You will need to complete some sections, and your treating doctor will need to complete some sections. Send us your completed claim form along with: copies of medical reports and results of investigations performed (whether the investigations were specifically requested by us or not) any financial information we have requested from you. Once we have received the above information and it is satisfactory to us, we will assess your claim against the criteria set out under this Living Expenses Cover policy. If we find a claim is payable, you will be eligible for your first payment of your claim from the end of your Waiting Period. During your claim, you will need to provide ongoing medical and financial information satisfactory to us. You are responsible for the cost of providing all of this information to us. You can be covered by more than one Living Expenses Cover policy issued by Asteron Life. The total maximum combined cover possible for you under any Living Expenses Cover policies issued by Asteron Life is $3,500 per month. 5.2 Can you claim from overseas? You can claim from anywhere in the world, so if you are working overseas, you can still make a claim under any of the Living Expenses Cover benefits. We will make a maximum of 3 payments of your monthly Cover Amount before you will need to return to New Zealand at your own expense for further assessment before we will make any further claim payments. 5.3 Who will the benefits be paid to? All benefits under this Living Expenses Cover policy are payable directly to you as the Policy Owner in New Zealand dollars.
5 6. Defined terms 6.1 Activities of Daily Living There are 5 Activities of Daily Living (ADLs), these are: 1. bathing and showering 2. dressing and undressing 3. eating and drinking 4. maintaining continence with a reasonable level of personal hygiene 5. getting in and out of bed, a chair or a wheelchair or moving from place to place by walking, wheelchair or walking aid. 6.2 Benefit Period The Benefit Period is the maximum length of time we will pay you a Living Expenses Benefit when you are disabled. Your chosen Benefit Period is shown on your Policy Summary. 6.3 Cover Amount The Cover Amount is the monthly benefit we will pay if you are eligible to receive a benefit under the Living Expenses Cover. You can find your current Cover Amount on your most recent Living Expenses Cover statement sent to you by AA Life. 6.4 Disability A Disability means that as a direct result of a sickness or injury (that is not excluded from this cover) you are unable to function as you did before you suffered the sickness or injury. The sickness or injury must be diagnosed by a Registered Doctor. 6.5 Mental Illness A Mental Illness means a Disability that occurs directly or indirectly from a mental health disorder including, but not limited to, any of the following: anxiety disorders, chronic fatigue syndrome, fatigue or exhaustion, depression, fibromyalgia, psychiatric complications of physical disorders, behavioural disorders, or any other mental or functional nervous disorder. 6.6 Registered Doctor A Registered Doctor is a doctor who is legally qualified and properly registered in New Zealand. The doctor cannot be: you a business partner of you related to you. Asteron Life reserves the right to accept the advice of a medical practitioner if practising outside New Zealand. The medical practitioner must have qualifications equivalent to New Zealand standards. 6.7 Unable to Work If you are Unable to Work, it means you cannot perform your Usual Occupation. This must be based on medical advice, including the opinion of your Registered Doctor, or another Registered Doctor approved by us. Asteron Life s Chief Medical Officer (CMO) must also agree with the Registered Doctor s advice that you are unable to perform your Usual Occupation. 6.8 Usual Occupation Your Usual Occupation is the occupation that you were working 20 hours or more per week in and getting paid for, immediately before suffering a Disability. If, in the 6 months immediately before becoming Disabled, you became unemployed from an occupation, we will consider that to be your Usual Occupation if: you were working 20 hours or more per week in your previous occupation, and you were getting paid for your previous occupation. If you have been unemployed for more than 6 months, or are working less than 20 hours per week immediately before suffering a Disability, we will consider you to have no Usual Occupation. 6.9 Waiting Period The Waiting Period is a set period of time that starts as soon as you experience a Disability and are Unable to Work. If your claim is accepted, your first month s benefit is payable from the end of the Waiting Period. It is important you do not wait until the end of the Waiting Period to tell us about your Disability. Tell us as soon as it happens, as we will begin to assess your claim during this time. Your Waiting Period is shown on your Policy Summary. 7. Other important information about this policy 7.1 The information you provide must be correct We have issued this policy in good faith believing that you have: completely and truthfully answered all our questions told us any information that would influence our decision to offer insurance or the terms of that offer, increase benefits or restart the policy. If we find that we were given any incorrect information at any time or information has been withheld, we can reduce the benefits. We may also exercise any legal rights we have to cancel or avoid the policy from the date your Cover Starts and retain any premiums paid. If we find that your date of birth is wrong on the Policy Summary, we can adjust the benefits provided under the policy to reflect your correct age and actual premiums paid. Alternatively, if your age has been overstated, we may, at our discretion, refund any overpayments of premium. If we find that your smoking status is wrong on the Policy Summary, we can adjust the benefits provided under the policy to reflect your correct smoking status and actual premiums paid. 7.2 Other matters When your policy starts, Asteron Life will pay a commission to AA Life. This policy will be interpreted according to New Zealand law. Asteron Life as underwriter of your policy is required under the Insurance (Prudential Supervision) Act 2010 to establish a statutory fund. The statutory fund relevant to your policy is Asteron Life Statutory Fund 1.
6 We re here to help you Call us anytime Visit us online aalife.co.nz Or come in and see us at your nearest AA Centre Asteron Centre, Level 13, 55 Featherston Street, Wellington, PO Box 894, Wellington, 6140 New Zealand Telephone Fax Copyright 2013 Asteron Life Limited. All rights reserved. No part of this policy may be reproduced or copied in any form or by any means without our written agreement.
Life & Living Insurance. Policy wording
Life & Living Insurance. Policy wording What s Inside Here. 1. Welcome 1 2. General conditions 3 3. About your cover 5 3.1. Life Account 5 3.2. Living Account 6 3.3. Living + Benefits 14 3.4. Automatic
More informationSAMPLE ONLY. TotalCare Max Personal. Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT AGREED VALUE
TotalCare Max Personal Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT AGREED VALUE This appendix only applies if cover under the policy schedule includes the disability income protection
More informationDISABILITY INCOME PROTECTION BENEFIT INDEMNITY
OPTIONAL BENEFIT APPENDIX TOTALCAREMAX Personal DISABILITY INCOME PROTECTION BENEFIT INDEMNITY This appendix only applies if cover under the policy schedule includes the Disability Income Protection Benefit
More informationLife & Living Insurance. Policy wording
Life & Living Insurance. Policy wording What s Inside Here. 1. Welcome 1 2. General conditions 3 3. About your cover 4 3.1. Life Account 4 3.2. Living Account 6 3.3. Living Benefits 13 3.4. Automatic annual
More informationSAMPLE ONLY. TotalCare Max - Personal. Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT INDEMNITY
TotalCare Max - Personal Optional Benefit Appendix DISABILITY INCOME PROTECTION BENEFIT INDEMNITY This appendix only applies if cover under the policy schedule includes the disability income protection
More informationMERCER BILLPROTECT INSURANCE
MERCER BILLPROTECT INSURANCE MERCER BILLPROTECT INSURANCE POLICY WORDING 1. INTRODUCING YOUR POLICY 2. TEMPORARY DISABILITY COVER 3. REDUNDANCY COVER 4. BANKRUPTCY COVER 5. HOW TO MAKE A CLAIM 6. IF YOU
More informationBILL COVER INSURANCE Policy Wording
BILL COVER INSURANCE Policy Wording Cigna Bill Cover Insurance Policy Wording 1. Introducing your policy 2. Temporary Disability Your Policy - Important This document refers to your Cigna Bill Cover policy
More informationINCOME PROTECTION. Policy Wording. Together, all the way.
INCOME PROTECTION Policy Wording Together, all the way. Income Protection Policy Wording 1. Introducing your policy 2. What you can expect from us 3. Making a claim 4. How does the Income Benefit work?
More informationLIFE INSURANCE EXPRESS
LIFE INSURANCE EXPRESS Combined Product Disclosure Statement and Policy Document This product and Combined Product Disclosure Statement and Policy Document are issued by Suncorp Life & Superannuation Limited
More informationINCOME PROTECTION Policy Wording
INCOME PROTECTION Policy Wording Income Protection Policy Wording 1. Introducing your policy 2. What you can expect from us 3. Making a claim 4. How does the Income Benefit work? 5. What aren t you covered
More informationSuncorp Life Protect Express - Combined Product Disclosure Statement and Policy
Suncorp Life Protect Express Combined Product Disclosure Statement and Policy Document Prepared on: 20 February 2015 Effective date: 30 March 2015 1.0 Important information This is the combined Product
More informationLIFE INSURANCE EXPRESS
LIFE INSURANCE EXPRESS Combined Product Disclosure Statement and Policy Document This product and Combined Product Disclosure Statement and Policy Document are issued by Suncorp Life & Superannuation Limited
More informationAXA Group Insurance. Group Income Continuance Insurance Policy. Fonterra Welfare Fund. Important Note
AXA Group Insurance Group Income Continuance Insurance Policy Fonterra Welfare Fund Important Note Cover will not commence under this Policy until all of the following applies: 1. You accept our (the Insurer
More informationHome Loan Insurance. Policy wording
Home Loan Insurance. Policy wording What s Inside Here. 1 Introduction to your cover 3 General terms and conditions of the Policy 7 The Death and Terminal Illness benefit 8 The Temporary Disability benefit
More informationPayment Protection Insurance Policy
Payment Protection Insurance Policy Introduction Money back guarantee You may cancel your policy within 14 days of receiving it if you are not entirely satisfied with the insurance cover provided. You
More informationPayment Protection Insurance Policy
Payment Protection Insurance Policy Contents INTRODUCTION...1 YOUR PRODUCT DISCLOSURE STATEMENT...2 Product Disclosure Statement overview...3 Exclusion... 6 YOUR POLICY... 8 General Information... 8 What
More informationSuncorp Income Protection. Policy Document
Suncorp Income Protection Policy Document Contents 1.0. Important information 3 2.0. Cooling off period 4 3.0. When does cover start and stop? 4 4.0. Benefits under this policy 5 5.0. When we wont pay
More informationProduct Disclosure Statement
Product Disclosure Statement For NAB Mortgage Protect Preparation Date: 23 June 2012 Issue No. 1 This Product Disclosure Statement (PDS) is issued by: MLC Limited, ABN 90 000 000 402 AFSL 230694 You ve
More informationLife Insurance. Go Protect. Product Disclosure Statement 24 October 2011. TAL Life Limited ABN 70 050 109 450 AFSL 237 848
Life Insurance Go Protect Product Disclosure Statement 24 October 2011 TAL Life Limited ABN 70 050 109 450 AFSL 237 848 Contact details You can contact TAL, 8:00am 7:00pm (EST), using the details below:
More informationHomeProtector Certificate of Insurance - Mortgage life and disability insurance
Page 1 of 5 This Certificate of Insurance ("Certificate") provides important details on your ; please keep this Certificate in a safe place. Subsequent correspondence may refer to this Certificate as the
More informationBusiness Cover Professional - Business Continuation Cover SECTION A - DEFINED TERMS
Business Cover Professional - Business Continuation Cover SECTION A - DEFINED TERMS DEFINED TERMS In this Policy certain words have particular meanings. These words are in Bold and the meanings set out
More informationDoctors of BC Critical Illness Insurance
Doctors of BC Critical Illness Insurance CI Critical Illness Insurance Have greater control over the impact a serious illness may have on your life. As a doctor, you ve likely witnessed patients trying
More informationNow we ve weighed up your application for our protection products, it s only fair we talk you through our assessment process. More than anything, we
how we assess your application UNDERWRITING EXPLAINED. Now we ve weighed up your application for our protection products, it s only fair we talk you through our assessment process. More than anything,
More informationExpect to understand your Accidental Death Insurance
Expect to understand your Accidental Death Insurance POLICY WORDING Accidental Death Insurance Contents 1. Introducing your policy 2. What you re covered for 3. What you re not covered for 4. Changes you
More informationsample Gold Disability Income Cover
Gold Disability Income Cover Here is some important information about Gold Disability Income Cover. Please read this policy document and then keep it in a safe place. 1 Please take the time to read this
More informationADVANCED PERSONAL LOAN Policy Wording
ADVANCED PERSONAL LOAN Policy Wording Advanced Personal Loan Insurance Policy Wording Part A: The basic terms of the Policy Part B: Temporary Disablement cover in detail Part C: Permanent Disablement cover
More informationPolicy wording. AMI Life Injury Insurance. What you need to know about your policy. When the insurance cover begins.
AMI Life Injury Insurance Policy wording What you need to know about your policy Please read your policy wording and schedule carefully to ensure it meets your needs. If there is any error please contact
More informationIndividual Living Benefits Product Portfolio. Personal income, lifestyle and business protection
Individual Living Benefits Product Portfolio Personal income, lifestyle and business protection PROFESSIONAL MARKET The Professional Series policy OBJECTIVE n Provides non-cancellable coverage that includes
More informationSuncorp Bill Protect. Product Disclosure Statement and Policy Document
Suncorp Bill Protect Product Disclosure Statement and Policy Document Prepared on: 10 August 2015 Effective date: 24 August 2015 Contents Important information 3 1.0 Who can apply? 6 2.0 Your cooling off
More informationSimply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement
Simply Smarter Life Insurance Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Budget Direct Life Insurance and Budget Direct Accidental Death Insurance
More informationGroup Disability Income Insurance Enrollment at a Glance Protection that provides benefits and access to expert resources during a difficult time.
Group Disability Income Insurance Enrollment at a Glance Protection that provides benefits and access to expert resources during a difficult time. For the employees of: Shelby County Government What is
More informationBILL PROTECT. Product Disclosure Statement and Policy Document
BILL PROTECT Product Disclosure Statement and Policy Document This Product Disclosure Statement is issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Suncorp), under the brand
More informationSTART-UP INCOME PROTECTION
START-UP INCOME PROTECTION TABLE OF CONTENTS 1 What are your Start-Up Income Protection policy benefits? 2 2 When will Sovereign pay a benefit? 2 3 What amount will Sovereign pay for a benefit? 2 4 What
More informationAdministrator means the administrator of giraffe & friends RESP, being Giraffe & Friends Life Insurance Company.
Completion Insurance Life & Total & Permanent Disability Insurance Important information about your insurance Customer Service Inquiries - Please contact Giraffe & Friends Life Insurance Company at 1-844-MY-GANDF
More informationProduct Disclosure Statement and Policy Document
GIO Bill Protect Product Disclosure Statement and Policy Document This Product Disclosure Statement is issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Suncorp), under the
More informationKey Features of the Forester Life Mortgage Protection Options Plan. Key Features
Key Features of the Forester Life Mortgage Protection Options Plan The Financial Conduct Authority is a financial services regulator. It requires us, Forester Life, to give you this important information
More informationProfessionals Income Protection Plan
Customer Services Phone 1800 658 679 Fax 02 9234 6668 Email customer@ing.com.au Postal address Customer Services GPO Box 5306 Sydney NSW 2001 Website www.ing.com.au Professionals Income Protection Plan
More informationACCIDENTAL ACCIDENTAL
ACCIDENTAL CREDITCARE DEATH PLUS ACCIDENTAL Policy Policy DEATH Wording Wording Policy Wording CreditCare Plus Policy Wording Part A: The basic terms of the Policy Part B: Temporary Disablement cover in
More informationGold Disability Income Cover Policy
Gold Disability Income Cover Policy This is your Gold Disability Income Cover Policy. It is an important document and should be kept in a safe place. Please take the time to read this document. Contents
More informationCREDITCARE BUSINESS Policy Wording
CREDITCARE BUSINESS Policy Wording CreditCare Business Policy Wording Part A: About this Policy Part B: Definitions Part C: What this Policy covers 1. Temporary Disablement cover in detail 2. Permanent
More informationHome Loan Insurance. Policy wording
Home Loan Insurance. Policy wording What s Inside Here. 1 Introduction to your cover 3 General terms and conditions of the Policy 6 The Death and Terminal Illness benefit 7 The Temporary Disability benefit
More informationProduct Disclosure. Statement. Statement, Financial Services Guide and. Policy Document. Important information about
Combined Product Disclosure Statement Product Disclosure Statement, Financial Services Guide and Important information about nib s health covers Policy Document General terms and conditions Hospital cover
More informationIncome Protection, Life and Total and Permanent Disablement Insurance for Avant Doctors
Aus Income Protection, Life and Total and Permanent Disablement Insurance for Avant Doctors Combined Financial Services Guide and Product Disclosure Statement Avant Insurance Limited ABN 82 003 707 471
More informationSt.George Protection Plans for Mortgage Customers
St.George Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a
More informationProduct Disclosure. Statement. Statement, Financial Services Guide and. Policy Document. Important information about
Combined Product Disclosure Statement Product Disclosure Statement, Financial Services Guide and Important information about nib s health covers Policy Document General terms and conditions Hospital cover
More informationHow To Pay Out Of Pocket On A Friendsprovident Policy
Executive Income Protection Policy conditions Reference PN37 02.09 Contents Page 1 Introduction 2 2 Premiums 5 3 Insured benefit 6 4 Proportionate benefit 7 5 Rehabilitation benefit 8 6 Hospitalisation
More informationSAMPLE ONLY LIVINGCARE APPENDIX OPTIONAL BENEFIT DISABILITY INCOME PROTECTION BENEFIT AGREED VALUE BASIS
LIVINGCARE APPENDIX OPTIONAL BENEFIT DISABILITY INCOME PROTECTION BENEFIT AGREED VALUE BASIS This appendix only applies if you have chosen a disability income protection benefit on an agreed value basis.
More informationProtection Plans for Mortgage Customers
Westpac Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a Combined
More informationBT Protection Plans for Mortgage Customers
BT Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a Combined
More informationIssued by. Product disclosure statement. Smart Shield Income Protection
Issued by Product disclosure statement Smart Shield Income Protection Issue date: 1 August 2012 About the Product Providers MetLife MetLife, an affiliate of MetLife Inc., is a specialist provider of life
More informationWestpac Insurance. Life & Loan Insurance
Westpac Insurance Life & Loan Insurance July 2013 Life it s rather unpredictable, isn t it? That s why our range of insurance cover is so flexible. We understand that everyone has different insurance needs
More informationINSURANCE. Agribusiness Extra
INSURANCE Agribusiness Extra Agribusiness Extra provides insurance cover specifically designed to protect the unique needs of those who work in the agricultural sector. It aims to protect the financial
More informationAA 50 Plus Life Insurance
AA 50 Plus Life Insurance Policy conditions Provided by Friends Life Limited AA 50 Plus Life Insurance AA 50 Plus Life Insurance Policy conditions This document sets out the full policy conditions of AA
More informationPOLICY NO. MP9958, MP9959, MP9961 - ENDORSEMENT 01
AIA Australia Limited (ABN 79 004 837 861 AFSL 230043) PO Box 6111 St Kilda Road Central VIC 8008 Phone : 1800 333 613 Fax : 1800 832 266 AIA.COM.AU POLICY NO. MP9958, MP9959, MP9961 - ENDORSEMENT 01 This
More informationACCIDENTAL DEATH. Policy Wording. Together, all the way.
ACCIDENTAL DEATH Policy Wording Together, all the way. Accidental Death Policy Wording 1. About the Policy 2. Definitions 3. What you are insured for 4. Other terms and conditions 5. Policy exclusions
More informationInsurance Guide. Employer Sponsored Division. www.amist.com.au service@amist.com.au Issued: 20 April 2015. AMIST Super Hotline
Insurance Guide Employer Sponsored Division AMIST Super Hotline 1800 808 614 The information in this document forms part of the Product Disclosure Statement for AMIST Super Employer Sponsored Division
More informationQ Card Accidental Death Cover. Policy Wording
Q Card Accidental Death Cover Policy Wording Q Card Accidental Death Cover Policy Wording 1. Introducing your Policy 2. What you re covered for 3. What you re not covered for 4. How to make a claim 5.
More informationNAB Mortgage Protect Policy Document
NAB Mortgage Protect Policy Document This insurance policy is issued by MLC Limited (MLC). This document is part of the insurance Policy You have taken out. The following pages describe the terms of Your
More informationKiwibank Personal Loan Insurance
Kiwibank Personal Loan Insurance Policy Wording Where to look if you want to know: Section A: General Policy Terms 3 Section B: Policy Definitions 6 Section C: Temporary Disablement benefit 8 Section
More informationLoan Protection Plan. Product Disclosure Statement. Issued By: Hannover Life Re of Australasia Ltd and QBE Insurance (Australia) Limited
Loan Protection Plan Product Disclosure Statement Issue date: 18 April 2016 Issued By: Hannover Life Re of Australasia Ltd and QBE Insurance (Australia) Limited Distributed by: ALI Group Table of contents
More informationPlease read this document carefully as it contains important information about this plan. Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY
Please read this document carefully as it contains important information about this plan Your VitalityLife plan summary VITALITYLIFE PLAN SUMMARY Your VitalityLife plan summary About this booklet This
More informationINCOME PROTECTION. Publisher 62, Male, Severe ear condition INJURY AS A RESULT OF TRAUMA E.G. LOSS OF LIMB
INCOME PROTECTION Telephonist 31, Female, Lower back pain Demolition worker 40, Male, Site injury Publisher 62, Male, Severe ear condition Mining worker 37, Male, Depressive episode Dentist 51, Male, Fracture
More informationMortgage Repayment Cover
Assurance Extra Mortgage Repayment Cover What is Mortgage Repayment Cover? Mortgage Repayment Cover is an insurance that pays you monthly amounts to cover your mortgage repayments if you become totally
More informationUNITED TEACHERS LOS ANGELES (the Policyholder)
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE - OUTLINE OF COVERAGE FOR THE EMPLOYEES OF UNITED TEACHERS LOS ANGELES (the Policyholder)
More informationIncome Protection Accident Only Cover
Income Protection Accident Only Cover Product Disclosure Statement Issue date: 27 April 2015 1 Income Protection Cover is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of
More informationAA 50 Plus Life Insurance
AA 50 Plus Life Insurance Policy conditions Provided by Friends Life and Pensions Limited AA 50 Plus Life Insurance AA 50 Plus Life Insurance Policy conditions This document sets out the full policy conditions
More informationINSURANCE KEY FEATURES OF: INCOME PROTECTION BENEFIT PLAN. This is an important document which you should keep in a safe place.
INSURANCE KEY FEATURES OF: INCOME PROTECTION BENEFIT PLAN This is an important document which you should keep in a safe place. 2 LEGAL & GENERAL PROTECTION PLANS KEY FEATURES USING THIS DOCUMENT. WHAT
More informationCore Super MySuper. Insurance & Other Important Information 3 August 2015
Core Super MySuper Insurance & Other Important Information 3 August 2015 As a Core Super MySuper member you have Income Protection as well as Life and Total and Permanent Disablement [TPD] Insurance available
More informationCritical Five Policy. Key Features and Product Summary
Critical Five Policy Key Features and Product Summary This policy from Combined Insurance offers protection for you and your family in the event of a serious illness. Please refer to your Policy Document
More information3. TERMS UNDER WHICH THE POLICY MAY BE RETURNED AND PREMIUM REFUNDED.
METROPOLITAN LIFE INSURANCE COMPANY ( METLIFE ) P.O. Box 937, Westport, CT 06881-0937 1-888-565-3761 LONG-TERM CARE INSURANCE OUTLINE OF COVERAGE POLICY FORM LTC2007-TX CAUTION: Our issuance of the long-term
More informationLoanProtector Certificate of Insurance - Loan and Line of Credit life, critical illness and disability insurance
Page 1 of 6 This Certificate of Insurance ("Certificate") provides important details on your coverage; please keep this Certificate in a safe place. Subsequent correspondence may refer to this Certificate
More informationProduct Summary Zurich Income Replacement Insurance Plus
Zurich Life Risk Product Summary Zurich Income Replacement Insurance Plus Zurich proudly supports Adviser use only. Preparation Date: 1 April 2008 Zurich Australia Limited ABN 92 000 010 195 AFSLN 232510
More informationAre you buying private medical insurance? Take a look at this guide before you decide 2008
Are you buying private medical insurance? Take a look at this guide before you decide 2008 2 Private medical insurance Private medical insurance 3 Contents 1 About this guide 4 2 What is private medical
More informationSun Long Term Care Insurance
Sun Long Term Care Insurance Policy number: LI-1234,567-8 Owner: Mary Doe Additional options included in this sample policy: - Inflation protection (IP 2-3%) - Return of premium on death (ROPD) The following
More informationJACKSON NATIONAL LIFE INSURANCE COMPANY (the Policyholder)
UNUM Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 LONG TERM CARE INSURANCE SUMMARY OF COVERAGE FOR THE EMPLOYEES OF JACKSON NATIONAL LIFE INSURANCE COMPANY
More informationWillamette University Long-Term Care Insurance Outline of Coverage
JOHN HANCOCK LIFE INSURANCE COMPANY Group Long-Term Care PO Box 111, Boston, MA 02117 Tel. No. 1-800-711-9407 (from within the United States) TTY 1-800-255-1808 for hearing impaired 1-617-572-0048 (from
More informationMacquarie Life. Macquarie Life Smart insurance solutions made simple
Macquarie Life Macquarie Life Smart insurance solutions made simple Product Disclosure Statement issued by Macquarie Life Limited ABN 56 003 963 773 AFSL 237 497 Dated 9 November 2007 Contents 01 The importance
More informationMacquarie Term Life Insurance. Product Disclosure Statement
Macquarie Term Life Insurance Product Disclosure Statement Issued by Macquarie Life Limited ABN 56 003 963 773 January 2010 Contents At a glance 01 At a glance 03 Terms and conditions 04 Your Policy 07
More information4. TERMS UNDER WHICH THE POLICY MAY BE CONTINUED IN FORCE OR DISCONTINUED.
METROPOLITAN LIFE INSURANCE COMPANY ( METLIFE ) P.O. Box 937, Westport, CT 06881-0937 1-888-565-3761 INDIVIDUAL FRANCHISE COMPREHENSIVE LONG-TERM CARE INSURANCE OUTLINE OF COVERAGE POLICY FORM LTC2007-ML-PA
More informationCertificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit
Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit 13002-2016/03 Page 1 of 9 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2
More informationPayment Protection Insurance Policy
Payment Protection Insurance Policy DRIVERIGHT Payment Protection Insurance Policy Contents About this Policy 3 Conditions 5 General 6 Claims Paying Ability 7 Definitions 8 QFE Disclosure Statement IAG
More informationDIRECT- Aviva Term Life Product Summary
DIRECT- Aviva Term Life Product Summary 1. WHAT IS THIS PRODUCT ABOUT? This is an insurance protection plan for a chosen period of time. It provides you with basic benefits, comprising death benefit, terminal
More informationNRMA Income Protection
NRMA Life Insurance NRMA Income Protection POSITIVE Combined Product Disclosure Statement and Financial Services Guide NEGATIVE NRMA Life Insurance 02 About this document This combined Product Disclosure
More informationIndividual Income Protection Insurance Certificate SC3342013199
Individual Income Protection Insurance Certificate SC3342013199 1 Contents Introduction Schedule Section 1 Fixed Period Income Protection Insurance Section 2 Disputes, Complaints and Data Protection Section
More informationproduct disclosure statement Issued by Westpac Life Insurance Services Limited ( Westpac Life )
Westpac Future Cover product disclosure statement Issued by Westpac Life Insurance Services Limited ( Westpac Life ) ABN 31 003 149 157 Australian Financial Services Licence No. 233728 Level 20, Westpac
More informationSubsequent Election for Payment Protection. Member Name (please print) Date of Birth. Co-Borrower Name Date of Birth. Your Credit Union Account Number
5910 Mineral Point Rd, Madison WI 53705-4456 Phone: 1-800-356-2644 Website: www.cunamutual.com America First Credit Union CUNA Mutual Group Number: 143-0021-7 *IN ISA* *IN ISA* Subsequent Election for
More informationGROUP INCOME PROTECTION.
GROUP PROTECTION GROUP INCOME PROTECTION. Helping you understand our policy. This is an important document which we suggest you keep in a safe place. GIP 11.2013 TECHNICAL GUIDE 2. USING THIS DOCUMENT
More informationdisability income insurance Protect your income in case of a disability
disability income insurance Protect your income in case of a disability Did You Know? 3.8 million Canadians live with disabilities. That is 13.7 percent of our population. 1 There is a 1 in 3 chance that
More informationCertificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit. Note: This is an important document. Please keep it in a safe place.
Certificate of Insurance Creditor Insurance for CIBC Personal Lines of Credit Page 1 of 11 Table of Contents Note: This is an important document. Please keep it in a safe place. Introduction...2 Your rights
More informationExpect to understand your Tailored Loan Coverage
Expect to understand your Tailored Loan Coverage POLICY WORDING The following is a Summary and Guide to the provisions of the Master Policy between Sovereign Assurance Company Limited (Sovereign) and TSB
More informationAccidental Death. Insurance Policy. Alliance Group Credit Union (the Credit Union)
Accidental Death Insurance Policy Alliance Group Credit Union (the Credit Union) Policy Schedule This summary repeats the information you disclosed to us in your application for Accidental Death Cover
More informationGIO Funeral Insurance
GIO Funeral Insurance Product Disclosure Statement and Policy Document Prepared on: 19 September 2014 Effective date: 20 October 2014 This product and combined Product Disclosure Statement and Policy Document
More informationProduct Disclosure Statement. Life Insurance. Issue no. 1 Term Life Recovery Stand Alone Recovery Income Protector Income Advantage Business Expenses
Product Disclosure Statement Life Insurance Issue no. 1 Term Life Recovery Stand Alone Recovery Income Protector Income Advantage Business Expenses Issued 1 March 2004 Contents 1 About Asteron 2 About
More informationThe Hospital Authority of Valdosta and Lowndes County dba South Georgia Medical Center
LIFE INSURANCE COMPANY OF NORTH AMERICA 1601 CHESTNUT STREET GROUP POLICY PHILADELPHIA, PA 19192-2235 (800) 732-1603 TDD (800) 552-5744 A STOCK INSURANCE COMPANY POLICYHOLDER: POLICY NUMBER: The Hospital
More informationPolicy document Group Salary Continuance. Employer non-superannuation DRAFT ONLY
Policy document Group Salary Continuance Employer non-superannuation DRAFT ONLY Contents 1 Important information about this policy 2 1.1 Introduction 2 1.2 Policy commencement 2 1.3 Interpreting the policy
More informationEagle Star Guaranteed Whole of Life. Policy Document
Eagle Star Guaranteed Whole of Life Policy Document Introduction This document explains in detail the workings of your Eagle Star Guaranteed Whole of Life Policy. It is important that you read each section
More informationUnum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211
Unum Life Insurance Company of America 2211 Congress Street Portland, Maine 04122 (207) 575-2211 QUALIFIED LONG TERM CARE INSURANCE OUTLINE OF COVERAGE FOR THE EMPLOYEES OF CHEROKEE BOARD OF COMMISSIONERS
More informationAsteron Life Personal Insurance
Asteron Life Personal Insurance Policy Document How to contact us If you need to make a claim Call us on 0800 737 101 Email us at claims@asteronlife.co.nz Fax us on 0800 808 144 or 04 495 8851 Write to
More informationGroup Catastrophic Disability Insurance Underwritten by Unimerica Insurance Company
Your Guide to Group Catastrophic Disability Insurance Underwritten by Unimerica Insurance Company Why Purchase Catastrophic Disability Insurance Through the ASCE? ASCE s Group Catastrophic Disability Insurance
More informationPOLICY SUMMARY. OVER 50s LIFE INSURANCE PLANS
OVER 50s LIFE INSURANCE PLANS POLICY SUMMARY. Keep this document in a safe place for future reference together with your Policy Terms and Conditions and Policy Schedule. 2 POLICY SUMMARY 1. INCREASING
More information