Information
Types of Personal Insurance

In the event of your death, the amount you can direct to your loved ones will be equal to the sum insured plus your Super account balance. You can apply for a flat dollar amount of cover in $50,000 multiples up to a maximum of $5,000,000.

For Death insurance cover the Insurer will not pay a claim if any death results from:

* any intentional, self inflicted injury or sickness, or any attempt at suicide or self destruction while either sane or insane or suicide occurs within 13 months of cover starting or being restored, or within 13 months after an increase in the sum insured (in which case the Insurer will not pay the increase in the sum Insured);

or

* active service in the armed services of any country or international organisation.

Death Cover includes "Terminal Illness Benefit"
The Death benefit also provides for an advanced lump sum payment of 100% of the Death sum insured, up to a maximum of $1,000,000, in the event you are diagnosed as terminally ill by a registered medical practitioner and where you are not expected to survive for more than 12 months. If the Death sum insured is greater than $1,000,000 and the policy is still in force, the balance will be paid on death.

Death and Total & Permanent Disablement (TPD) Cover
In addition to the Death cover described above, this option provides you with a lump sum payment if you become unable to work through Total and Permanent Disablement. You can apply for a flat dollar amount of cover in $50,000 multiples up to a maximum of $5,000,000 for the Death component and $2,000,000 for the TPD component.

Note the amount of cover for TPD will decrease by 20% per year from your 61st birthday, reducing your cover to nil by age 65.

For further information, please refer to the Product Disclosure Statement

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