The following are the key features of our group life cover.
|Entry age||15th to 70th birthday (death) and 15th to 65th birthday (total and permanent disablement (TPD)).|
|Maximum expiry age||80th birthday (death and TPD).|
|Maximum benefit age||Unlimited(i) (death) and $5 million(ii) (TPD).|
|Death benefit||Provides a benefit payment in the event of death.|
|Terminal illness benefit||We will make an advance payment of the death benefit if a person insured is terminally ill and has less than 12 months to live.|
|Extended cover||Provides cover up to 60 days where a person leaves employment with the employer and ceases to be eligible for cover under the policy.|
|Interim cover||Provides cover where a person insured or an eligible person who has not yet been accepted for cover is being underwritten. Cover limits apply.|
|Guaranteed renewable contract||We guarantee to renew the policy each year, provided the premiums are paid and the terms and conditions of the policy are met.|
|24-hour worldwide cover||Cover for a person insured is provided 24 hours a day depending on the circumstances of overseas travel.|
|Optional benefit||Benefit description|
|TPD benefit||Provides a benefit if a person insured becomes totally and permanently disabled from employment.|
|Life events cover||Allows persons insured to increase their benefit without underwriting when the following events take place—marriage, divorce, birth or adoption of a child, taking out a mortgage on a primary residence for renovations/extension or a child turning 12.|
|Continuation option||Allows persons insured who leave employment and cease to be eligible for cover under a group insurance policy to continue their cover under an individual insurance plan.|
Download our product disclosure statement for more information.
(i) Subject to automatic acceptance and underwriting terms
(ii) A maximum benefit amount of $3 million may be paid when a person insured satisfies part (a) Unlikely to work, as per the TPD definition. When the benefit is greater than $3 million, the amount in excess of $3 million may only be paid when the person insured satisfies parts (b) Specific Loss or (c) Future Care, of the TPD definition. The TPD sum insured may be reduced from ages 60 to 70. See Reduction of TPD benefits in our PDS for more details. From the 65th birthday of the person insured, the maximum TPD benefit is $3 million. From the 70th birthday of the person insured, the maximum TPD benefit is $250,000, and it will only be paid when the person insured satisfies parts (b) or (c) of the TPD definition. Subject to automatic acceptance and underwriting terms.
Вдоволь посмеявшись, он исчез бы насовсем, превратившись в легенду Фонда электронных границ. Сьюзан стукнула кулаком по столу: - Нам необходимо это кольцо. Ведь на нем - единственный экземпляр ключа! - Теперь она понимала, что нет никакой Северной Дакоты, как нет и копии ключа. Даже если АНБ расскажет о ТРАНСТЕКСТЕ, Танкадо им уже ничем не поможет.