ANZ Mortgage Protection. Because your mortgage payments don t stop if your income does.

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1 ANZ Mortgage Protection Because your mortgage payments don t stop if your income does.

2 What if you couldn t pay your home loan? We insure our cars, our homes and other assets but what about our ability to pay the home loan? If you were sick, injured, lost your job or passed away, how would you pay your home loan and what would happen to you and your family? Research* shows that: One in five Australian families will be impacted by a parent dying, becoming sick or suffering an accident and being unable to work. The typical Australian family will lose half its income if one parent is unable to work. Help is available. ANZ Mortgage Protection Insurance can help protect you against these risks and an ANZ Financial Planner can assess your personal insurance and broader financial needs. ANZ Mortgage Protection Insurance may be right for you If you pass away or are unable to work due to sickness or accident you can get help with: Up to $1,000,000 to pay your outstanding ANZ home loan should you pass away with any remaining amount payable to your estate. 1 Up to $7,500 per month to cover your ANZ mortgage payments for 30 months should you be unable to work due to sickness or accident. 1 Up to $7,500 per month to cover your ANZ mortgage payments for 90 days if you become involuntarily unemployed. 2 A policy that s guaranteed renewable (even if your health changes) subject to age and currency of loan. Cover is immediate from the moment we accept your application and there are no medicals or blood tests. 3 * The Lifewise/NATSEM Underinsurance Report, University of Canberra 2010 Natsem research 2010.

3 Act now for immediate peace of mind You have options, for complete cover you can choose to protect both your life and your employment or you can: Cover only your life This means if you pass away your family will have up to $1,000,000 to put towards the mortgage, but you won t be covered if you are unable to work or lose your job. Cover only your employment this means if you can t work through sickness or accident or involuntary unemployment your mortgage repayments up to $7,500 a month could be paid so you can concentrate on getting better without worrying about your mortgage. You won t be covered if you pass away. We can prepare the policy for you in branch or over the phone and premiums can easily be funded into your loan or paid by the month. Joint policies will receive a will receive a discount off the premium and your payments will only start once the loan settles. Applying is easy Call Ask in branch

4 Thankfully we did get it, because it would have been a different story today if we didn t. Peter, ANZ Mortgage Protection customer. Sadly Peter lost his wife to cancer. What s the benefit of immediate cover? This means should you suffer sickness or an accident you will have cover in place. With Life cover you will be provided with interim accidental death cover during the settlement period for up to 60 days at no additional cost. So, if the worst should happen, your family will be protected. What if I already have insurance? Having a mortgage means you have increased your debt, it s a risk you may wish to mitigate. Your existing insurances may not have taken into account your new debt.

5 Discover the value of tailored advice Buying a home is a major achievement and it s a good time to take stock, assess where you are now and where you would like to be. If you want the freedom to live life on your terms, an ANZ Financial Planner could help you: Tailor a practical plan to achieve your financial and lifestyle goals. Take advantage of strategies to help you achieve greater financial freedom. Protect the people and things that matter most to you. Feel confident that your finances are on track. Prepare for a more comfortable retirement. ANZ Financial Planners are salaried employees and must: Act in your best interest. Be transparent about any professional advice costs. Only implement a plan with your written approval. Your initial meeting is complimentary and without obligation. Ask a branch staff member to help set up a meeting for you today. Arrange an appointment Call , weekdays 8am to 8pm (AEST) anz.com/wealth

6 1 If you receive a medical consultation for any illness or injury in the twelve months before you purchase the policy, and that illness or injury leads to a claim after the policy commences, you will not be covered. 2 There is no cover available for the Disability Benefit or Involuntary Unemployment Benefit if you are employed in a permanent part time, casual, contract or temporary capacity for less than 20 hours per week or you are self-employed for less than 20 hours per week. 3 The disability benefit is not available for the first 28 days after policy commencement date if you are diagnosed with a sickness or symptoms leading to the sickness being diagnosed becoming reasonably apparent. ANZ Financial Planners are representatives of Australia and New Zealand Banking Group Limited, ABN , the holder of an Australian Financial Services Licence. Important information Disability & Involuntary Unemployment cover issued by: QBE Insurance (Australia) Limited ( QBE ) AFS Licence ABN Life cover issued by: OnePath Life Limited ( OnePath Life ) AFS Licence ABN The material in this publication is current as at March 2014 but is subject to change. The information provided is of a general nature and does not take into account your personal needs and financial circumstances. You should consider the appropriateness of the advice, having regard to your objectives, financial situation and needs. You should read the Financial Services Guide and Product Disclosure Statement (PDS) available at any ANZ branch, by calling or by visiting anz.com, and consider whether this product is right for you. OnePath is a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ANZ) ABN The issuers receive premiums for any insurance cover you obtain. Our employees and directors receive a salary from us. They do not receive commissions; however, they may be eligible for performance related bonuses and other staff related benefits. ANZ will receive a commission of up to 20% for the sale of any insurance policy from the issuers. Australia and New Zealand Banking Group Limited (ANZ) ABN /0515 anz.com