Protecting your future. In the event of death or terminal illness, Life Cover can provide a lump sum benefit.

The amount of Life Cover needed will vary upon your individual circumstance. If you are unsure of how much Life Cover you need, this Life Insurance Calculator may provide a helpful guide to you.

• Non-Super - The policy will be owned by the life insured or a company.
• SMSF - The policy will be owned by a Self Managed Super Fund.
• Super Fund - The policy will be owned by a Superannuation Fund.

Are you intending to pay your premiums through an eligible superannuation fund?

• Include if possible - Apply the pay by rollover discount on all products that support it, also include products that don't support pay by rollover for a better comparison.

Note this option is only available on limited frequencies, please use Yearly for best results.

• Stepped - Premiums will generally increase every year in line with the age of the insured. Premiums may vary due to sum insured changes including Consumer Price Index (CPI) movements or changes to the underlying premium rates set by the insurer.
• Level to 65 - Premiums will not increase every year due to age until age 65. Premiums may vary due to sum insured changes including Consumer Price Index (CPI) movements or changes to the underlying premium rates set by the insurer.

When an illness or injury permanently prevents you from working in your occupation or any occupation, Total and Permanent Disability (TPD) Cover can provide a lump sum benefit.

The amount of TPD Cover needed will vary upon your individual circumstance. If you are unsure of how much TPD Cover you need, this Life Insurance Calculator may provide a helpful guide to you.

• Non-Super - The policy will be owned by the life insured or a company.
• SMSF - The policy will be owned by a Self Managed Super Fund.
• Super Fund - The policy will be owned by a Superannuation Fund.
• SuperLink - The policy will be a combination of Non-Super and Super Fund.

• Any - A benefit is payable when it is not possible to perform ANY employment activities.
• Own - A benefit is payable when it is not possible to perform the normal duties of only your OWN current occupation. You may still be able to work again in another occupation.
• Homemaker - A homemaker definition may be available when Homemaker is selected as the occupation.
• ADL - A benefit is payable when it is not possible to perform general Activities of Daily Living.
• Best available - The best level of TPD definition available for each product will be chosen. e.g. Own, Any, Homemaker, ADL, are prioritised in that order.

If you suffer from one of the listed major health events, Trauma Cover can provide you with the financial resources to make lifestyle or career adjustments to help you recover. Trauma can provide a lump sum benefit.

The amount of Trauma Cover needed will vary upon your individual circumstance. If you are unsure of how much Trauma Cover you need, this Life Insurance Calculator that may provide a helpful guide to you.

• Stepped - Premiums will generally increase every year in line with the age of the insured. Premiums may vary due to sum insured changes including Consumer Price Index (CPI) movements or changes to the underlying premium rates set by the insurer.
• Level to 65 - Premiums will not increase every year due to age until age 65. Premiums may vary due to sum insured changes including Consumer Price Index (CPI) movements or changes to the underlying premium rates set by the insurer.

Reinstatement is a feature which allows for cover to be reinstated to the original sum insured following payment of a claim.

• Exclude if possible - The option will only be included if it is built in to the product.
• Include - This will return products with Trauma Reinstatement. If Trauma Reinstatement is not available, the product will be excluded.
• Exclude - Only products without this option can be used.

• Standard - This option will return the basic version of the insurer's products. This will be the cheapest option.
• Best available - This option will return the advanced version of the insurer's products. This will have the best features available to the life insured. For example, with maximiser and booster options.
• Intermediate - This option will try to return a product slightly less than the most advanced version of the insurer's products. This may be less expensive than the best available.

When illness or injury prevents you from working in your occupation or any occupation, Income Protection Cover supports you by paying a monthly benefit.

The amount of Income Protection Cover needed will vary upon your individual circumstance. If you are unsure of how much Income Protection Cover you need, this Life Insurance Calculator that may provide a helpful guide to you.

• 30 days - Only products with a waiting period of 30 days or 4 weeks after disability can be used.
• 60 days - Only products with a waiting period of 60 days or 8 weeks after disability can be used.
• 90 days - Only products with a waiting period of 90 days or 12 weeks after disability can be used.

• 2 years - Receive your monthly benefit for up to 2 years while you are unable to work.
• 5 years - Receive your monthly benefit for up to 5 or 6 years while you are unable to work.
• To age 65 - Receive your monthly benefit until your 65th birthday while you are unable to work.
• To age 70 - Receive your monthly benefit until your 70th birthday while you are unable to work.

• Intermediate - This option will try to return a product slightly less than the most advanced version of the insurer's products. This may be less expensive than the best available but have lower maximum monthly benefits.