MLC Life Cover Super MLC Personal Protection Portfolio

Interim AccidentInsurance CertificateThis information is provided by MLC LimitedABN 90 000 000 402 AFSL 230694 (MLC), theissuer of this Interim Accident Insurance.MLC is pleased to provide this Interim Accident Insurance,at no extra cost, while your application for LCS and/orPPP, whether for a new policy or an addition to an existingpolicy, is being considered. This insurance is providedseparately to LCS and is not part of the Scheme. TheTrustee has no liability or obligation to you for this InterimAccident Insurance. The terms and conditions of thisInterim Accident Insurance Certificate are set out below.When will MLC pay?MLC will pay you the benefits of the Interim AccidentInsurance if the life insured dies, is totally and permanentlydisabled, suffers a critical condition, or becomes totallydisabled, as a result of a bodily injury caused by accidentalmeans, which occurs while that life insured is covered bythis Interim Accident Insurance. Details are as follows:Life Cover insurance and Totaland Permanent Disability insuranceIf you applied for any of these insurances for a life insured,and that life insured dies within 12 months, or is totally andpermanently disabled, as a result of a bodily injury which iscaused by accidental means during the term of thisinsurance, MLC will pay you the lowest of:• $1,000,000• the benefit you applied for• the benefit MLC would allow under its normalassessment guidelines.Critical Illness insurance(applicable for PPP only)If you applied for Critical Illness insurance for a life insured,and that life insured suffers one of the following criticalconditions, as a result of bodily injury which is caused byaccidental means during the term of this insurance:• coma 1• major burns 1• major brain injury 1• blindness 1• paralysis 1• loss of independence1 These conditions are not covered if you have applied forCritical Illness Standard.MLC will pay the lowest of:• $600,000• the Critical Illness benefit you applied for on thatlife insured• the Critical Illness benefit MLC would allow for that lifeinsured under its normal assessment guidelines.The definitions of each critical condition that will apply arethe definitions for those conditions set out in the currentPPP policy document, and as outlined in the ProductDisclosure Statement (PDS). Interim cover will only beprovided for those conditions that are covered under theterms of the insurance for which you have applied.Income Protection insuranceIf you have applied for Income Protection insurance for a lifeinsured, and that life insured is totally disabled as a result ofa bodily injury which is caused by accidental means duringthe term of this insurance, MLC will pay you the lowest of:• $10,000 a month• the benefit you applied for• the Income Protection benefit MLC would allow underits normal assessment guidelines.MLC will pay this benefit each month that the life insured iscontinuously totally disabled after the end of the waitingperiod you applied for, up to a maximum of 12 months.If the life insured is disabled for part of a month the benefitwill be reduced proportionately.ConditionsOther than as varied by these terms, the following (as setout in this PDS and the policy document), shall apply tothis Interim Accident Insurance:• the Any Occupation definition of totally andpermanently disabled• the definition of totally disabled under IncomeProtection Plus• the standard conditions, waiting periods, limitations andexclusions, subject to any options you applied for in yourapplication for LCS and/or PPP.In applying the definitions to your Interim AccidentInsurance, in respect of an application for LCS, a referenceto the Trustee as set out in the insurance policy issued byMLC for LCS should be read as a reference to you.DefinitionsMLC Life Cover Super and MLC Personal Protection Portfolio PDS Page 83