MLC Life Cover Super MLC Personal Protection Portfolio

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Summary ofpolicy upgradesat a glanceUpgrades to MLC Life Cover,Total and Permanent Disability (TPD),Critical Illness and PremiumWaiver insuranceThe products and types of insurance to which these upgradesapply are listed in the table below.UpgradesCheck your policy scheduleto see which of theseupgrades are relevant to you.For moreinformationrefer toLife CoverTotal andPermanentDisabilityCriticalIllnessPremiumWaiverLCS PPP LCS PPP PPP LCS PPPStd Plus Std Plus Ext. Ext. S/A Std Plus S/AFinancial Planning Benefit page 9, 10, 13 • • • • • • •Increases without furthermedical evidencepage 9, 10, 13• • • • • • •TPD definition page 10, 12 • • • • • • •Partial Payment Benefit page 11 • • • • •Life Cover Buy Back Option page 11, 13 • • • •Child Support Benefit page 14 • •Critical Illness definitions page 15 to 16 • • •Critical Illness Extra BenefitsOption – Additionalcritical conditionsCritical Illness Extra BenefitsOption – Critical Illness Buy Backpage 17 to 18page 18• •• •• Means an improvement appliesLCS MLC Life Cover SuperPPP MLC Personal Protection PortfolioStd Standard Ext. ExtensionS/A Stand-aloneFor definitions of the terms in this table please refer to your ProductDisclosure Statement.Page 4 Making your insurance even betterMaking your insurance even better Page 5
Summary ofpolicy upgradesat a glanceUpgrades to MLC Income Protection andBusiness Expenses insuranceThe products and types of insurance to which these upgradesapply are listed in the table below.UpgradesCheck your policy schedule to see which ofthese upgrades are relevant to you.For moreinformationrefer toIncome ProtectionBusiness ExpensesLCS PPP PPPStd Plus Std Plus FPChild Support Income Benefit page 19 • •Increases without further medical evidence page 20 • •Claiming from another source page 21 • •No prior Total Disability required for certainspecified conditionspage 21 • •Income Protection Extra Benefits Option page 22 • •Death Benefit page 23 • • • • • •Net cost of a locum page 23 •Extended Income Protection page 24 •• Means an improvement appliesLCS MLC Life Cover SuperPPP MLC Personal Protection PortfolioStd StandardFP Income Protection Plus Farmer PackageFor definitions of the terms in this table please refer to your ProductDisclosure Statement.Page 6 Making your insurance even better Making your insurance even better Page 7
Page 1 and 2: Policy FeesThese fees apply to:•
Page 3 and 4: Policy fees as at20 May 2013Policy
Page 5 and 6: Upgrades (continued)Type of insuran
Page 7 and 8: Policy fees as at21 May 2012Policy
Page 9: Making sure you’rewell protectedW
Page 13 and 14: ProductupgradesImprovements to Tota
Page 15 and 16: ProductupgradesNew! Child Support B
Page 17 and 18: ProductupgradesImproved definitions
Page 19 and 20: ProductupgradesIncome Protection -
Page 21 and 22: Insurance from MLCImportant informa
Page 23 and 24: Policy fees as at12 November 2010Po
Page 25 and 26: This page has been left blank inten
Page 27 and 28: Welcome to MLCAt MLC we protect you
Page 29 and 30: Contents1You’re makingthe right c
Page 31 and 32: You’re makingthe right choicewith
Page 33 and 34: Tailoring your insuranceWe also und
Page 35 and 36: The typesof insuranceofferedMLC Lif
Page 37 and 38: Life CoverinsuranceLife Cover insur
Page 39 and 40: How does a claim affect your insura
Page 41 and 42: How can you structure TPD andLoss o
Page 43 and 44: Critical IllnessinsuranceCritical I
Page 45 and 46: Critical conditionCriticalIllnessSt
Page 47 and 48: Additional critical conditions forw
Page 49 and 50: Information common toLife Cover, To
Page 51 and 52: During the first six months after c
Page 53 and 54: IncomeProtectioninsuranceIncome Pro
Page 55 and 56: When will MLC pay?Total DisabilityT
Page 57 and 58: What features are built in?Choice o
Page 59 and 60: Extra Benefits Option (for PPP Plus
Page 61 and 62:
Home assistanceIf MLC is paying you
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BusinessExpensesinsuranceFor PPP (o
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How does Business Expensesinsurance
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When won’t MLC waive?MLC will not
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How itall worksMLC Life Cover Super
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When does your insurance start?If M
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How is your first premium treated?A
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Government chargesMLC and the Trust
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Contributing toMLC Life Cover Super
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Using yourinsuranceHow to claimMLC
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MLC Life Cover SuperHow can you con
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Who should use MLC Super Estate Opt
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Accessing yourMLC Life Cover Super
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MLC Life Cover SuperWhen is your fi
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Changing,replacing, transferring,re
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Transfers out of MLC LifeCover Supe
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PrivacyNotificationUsing and disclo
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DefinitionsMLC Life Cover Super PDS
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Gainfully employedKey person / reve
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Total and PermanentDisability (TPD)
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Critical IllnessDefinitionsCritical
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HIV contracted throughyour workInte
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Severe osteoporosisSevere rheumatoi
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Diagnosed multiplesclerosisDiagnose
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Interim AccidentInsurance Certifica
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Your application for LCS and/or PPP
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