MLC Life Cover Super MLC Personal Protection Portfolio

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MLC InsuranceRegistered Office forMLC Nominees Pty Limitedand MLC LimitedGround Floor105–153 Miller StreetNorth Sydney NSW 2060Website: mlc.com.auTelephone: 132 652(inside Australia)+ 61 3 8634 4721(outside Australia)Fax: 1800 550 081(inside Australia)+ 61 2 9964 3163(outside Australia)Postal address:PO Box 200North SydneyNSW 205962395M1011
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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
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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 and 110: Interim AccidentInsurance Certifica
Page 111: Your application for LCS and/or PPP
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MLC Life Cover Super MLC Personal Protection Portfolio

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