MLC Life Cover Super MLC Personal Protection Portfolio

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Interim AccidentInsurance CertificateWhen does Interim AccidentInsurance start?Unless MLC nominates an earlier date, Interim AccidentInsurance will start when MLC or the Trustee receives anapplication for LCS or PPP at any of its offices togetherwith one of the following:• one full instalment of the premium• a fully completed Direct Debit Request Schedule orCredit Card Deduction Authority or Direct Payment• a MasterKey Superannuation Deduction Authority(in respect to LCS).If the application is submitted electronically, InterimAccident insurance will start upon submission.If your application is not accepted, any premium receivedby MLC will be refunded, less any government charges ortaxes, to you or to the Trustee for LCS members.Your Interim Accident cover is void if the premiumpayment for LCS and/or PPP is dishonoured.Your Duty of DisclosureInterim Accident Insurance will only be available if youand the lives insured nominated in the application for LCSand/or PPP have completed the application accuratelyand honestly and have complied with your Duty ofDisclosure as set out in your application.Your Duty of Disclosure does not end on completionof your application and personal statement. Your dutycontinues until MLC accepts your application andissues a Schedule and a policy document to you.MLC will not pay more than one benefitMLC will not pay more than one benefit under thisInterim Accident Insurance for any one accident to anylife insured.Benefit LimitsIf you are applying to replace an existing policy, the amountof any benefit will be limited to the amount (if any) by whichthe sum proposed to be insured under the LCS and/or PPPapplication exceeds the sum insured under the policy tobe replaced.When won’t MLC pay?In addition to MLC’s standard exclusions (as set out in thecurrent LCS and/or PPP policy document and outlined inthe PDS), MLC will not pay under this insurance for deathor disability arising from or contributed to by:• any condition that you or any life insured knew aboutbefore applying for LCS and/or PPP• the life insured engaging in any occupation, sport orpastime that MLC would not cover under MLC’s normalassessment guidelines.Furthermore, MLC will not pay if:• the cover applied for would have been declined underMLC’s current assessment guidelines, or• you lodge a claim for an event or condition thatwould have been excluded under the normalunderwriting process.When does Interim AccidentInsurance end?MLC will cancel your Interim Accident Insurance by noticein writing on the earliest of the following:• 90 days after the start of this Interim Accident Insuranceunless before then MLC tells you a different date• the date MLC issues a Schedule following MLC’sacceptance of your application for LCS and/or PPP(or in the case of additional insurance, when MLC issuesa revised Schedule to you)• when MLC advises you that your application has notbeen accepted• when MLC advises you that your Interim AccidentInsurance has ended• when you withdraw your application.Page 84 MLC Life Cover Super and MLC Personal Protection Portfolio PDS
Your application for LCS and/or PPPIf you claim under your Interim Accident Insurance for anylife insured, MLC will take this into account in consideringyour application for LCS and/or PPP on that life insured.MLC may decide not to accept your application onthis basis.MLC may accept or reject your application as MLC seesfit. No insurance will take effect (apart from this InterimAccident Insurance) before MLC accepts your applicationand issues a policy to you (or in the case of additionalinsurance, when MLC issues a revised Schedule to you).No financial adviser or other person is authorised tochange these conditions, whether in writing orotherwise. No changes will be binding upon MLC.This document has been printed onpaper sourced from well managed,environmentally sustainableplantation forests and has beenprinted by an FSC accreditedorganisation so there is a minimumeffect on the environment. It is part ofour campaign to reduce our carbonfootprint and reduce global warming.MLC Life Cover Super and MLC Personal Protection Portfolio PDS Page 85
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Policy FeesThese fees apply to:•
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Policy fees as at20 May 2013Policy
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Upgrades (continued)Type of insuran
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Policy fees as at21 May 2012Policy
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Making sure you’rewell protectedW
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Summary ofpolicy upgradesat a glanc
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ProductupgradesImprovements to Tota
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ProductupgradesNew! Child Support B
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ProductupgradesImproved definitions
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ProductupgradesIncome Protection -
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Insurance from MLCImportant informa
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Policy fees as at12 November 2010Po
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This page has been left blank inten
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Welcome to MLCAt MLC we protect you
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Contents1You’re makingthe right c
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You’re makingthe right choicewith
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Tailoring your insuranceWe also und
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The typesof insuranceofferedMLC Lif
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Life CoverinsuranceLife Cover insur
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How does a claim affect your insura
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How can you structure TPD andLoss o
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Critical IllnessinsuranceCritical I
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Critical conditionCriticalIllnessSt
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Additional critical conditions forw
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Information common toLife Cover, To
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During the first six months after c
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IncomeProtectioninsuranceIncome Pro
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When will MLC pay?Total DisabilityT
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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
Page 63 and 64: BusinessExpensesinsuranceFor PPP (o
Page 65 and 66: How does Business Expensesinsurance
Page 67 and 68: When won’t MLC waive?MLC will not
Page 69 and 70: How itall worksMLC Life Cover Super
Page 71 and 72: When does your insurance start?If M
Page 73 and 74: How is your first premium treated?A
Page 75 and 76: Government chargesMLC and the Trust
Page 77 and 78: Contributing toMLC Life Cover Super
Page 79 and 80: Using yourinsuranceHow to claimMLC
Page 81 and 82: MLC Life Cover SuperHow can you con
Page 83 and 84: Who should use MLC Super Estate Opt
Page 85 and 86: Accessing yourMLC Life Cover Super
Page 87 and 88: MLC Life Cover SuperWhen is your fi
Page 89 and 90: Changing,replacing, transferring,re
Page 91 and 92: Transfers out of MLC LifeCover Supe
Page 93 and 94: PrivacyNotificationUsing and disclo
Page 95 and 96: DefinitionsMLC Life Cover Super PDS
Page 97 and 98: Gainfully employedKey person / reve
Page 99 and 100: Total and PermanentDisability (TPD)
Page 101 and 102: Critical IllnessDefinitionsCritical
Page 103 and 104: HIV contracted throughyour workInte
Page 105 and 106: Severe osteoporosisSevere rheumatoi
Page 107 and 108: Diagnosed multiplesclerosisDiagnose
Page 109: Interim AccidentInsurance Certifica
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MLC Life Cover Super MLC Personal Protection Portfolio

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