MLC Life Cover Super MLC Personal Protection Portfolio

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ProductupgradesNew! Extended Income ProtectionFollowing your policy review date, at age 65, we’ll giveyou the option to continue your Income Protection Plusinsurance on altered terms until age 70, if you continue towork full-time and aren’t receiving, or entitled to receivebenefits at the review date when you turn 65.Please note: this feature is not available if:• your insurance expires before age 65, or• you work in a special risk occupation.If approved, extended cover will be provided under a newpolicy and your existing policy will end. Please see youradviser for more information.If you’d like to know more aboutthese, or any of our other insuranceoffers, speak with your adviser or callus on 132 652.Page 24 Making your insurance even better
Insurance from MLCImportant informationMLC Life Cover Super is issued by MLC Nominees Pty Limited(ABN 93 002 814 959, AFSL 230702, RSE L0002998) which isthe trustee of The Universal Super Scheme (ABN 44 928 361 101R1056778).MLC Personal Protection Portfolio is issued by MLC Limited(ABN 90 000 000 402, AFSL 230694).This has been printed on papersourced from well managed,environmentally sustainable plantationforests so there’s a minimumeffect on the environment. It’s partof our campaign to maintain ourneutral carbon footprint and reduceglobal warming.How to contact MLC:For more informationcall MLC from anywherein Australia on 132 652Monday to Friday, 8 am to 6 pmAEST/AEDT or contact your adviser.For clients outside Australia,please call + 61 3 8634 4721.Postal address:MLC Limited, PO Box 200North Sydney, NSW 2059mlc.com.au70748M0812
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 and 10: Making sure you’rewell protectedW
Page 11 and 12: Summary ofpolicy upgradesat a glanc
Page 13 and 14: ProductupgradesImprovements to Tota
Page 15 and 16: ProductupgradesNew! Child Support B
Page 17 and 18: ProductupgradesImproved definitions
Page 19: ProductupgradesIncome Protection -
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
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
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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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