Living Insurance

For more information
call 131 817

Product overview

Provides a lump sum that can be used to help cover expenses associated with, but not limited to, medical treatment – expenses that your income protection plan may not be able to completely cover.
Use the lump sum however you wish, including paying off a mortgage, medical treatment, home care and modifications – even an overseas holiday to recuperate.
A lump sum payment is made if the insured person suffers one of 34 specified serious medical conditions before age 64 and survives at least 14 days.

Details
Product Disclosure Statement	Case study

Features

Maximum cover $1.5 million
If death occurs within 14 days of suffering one of the specified events, a lump sum payment of $10,000 will be made instead
Competitive premium rates
Discounts for non-smokers and continuity of policy
Automatically renewable cover each year, to age 64, regardless of changes to health, occupation and pastimes (provided that premiums are paid)
Automatic indexation each year in line with the CPI, subject to a maximum increase of 15%. Where the CPI is less than 3%, an indexation increase of 3% will apply

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The taxation position described is a general statement only and is based on the continuance of present tax laws and their interpretation. Your individual situation may differ and you should seek professional advice.