MLC Life Cover Super MLC Personal Protection Portfolio

More documents

Recommendations

Info

MLC’s winning waysOur track recordLife Insurance Company of the Year2009, 2008, 2006, 2004Australia & New Zealand InsuranceIndustry AwardsIncome Protection Product of theYear 2008, 2007AFR Smart Investor Blue Ribbon AwardsIncome Protection Product of theYear 2008, 2007Asset Innovation AwardsIncome Protection Product of theYear 2007Plan for Life / AFABest Life Insurance Company2006, 2004Australian Banking & Finance MagazineBest Term and TPD Risk Insurance2006Money MagazineBest Income Protection Insurance2005Money MagazineBusiness Overheads Product2006, 2005Money ManagementInsurance Company of the Year2005, 2004, 2003, 2002Personal InvestorIncome Protection Product of theYear 2005, 2003Personal InvestorTerm Life Product of the Year2003Personal InvestorTrauma Product of the Year2004, 2003Personal InvestorPage 02 MLC Life Cover Super and MLC Personal Protection Portfolio PDS
Contents1You’re makingthe right choicewith MLCWhy MLC is the right choice 6Insurance you can depend on 6Choosing your insurance 6Tailoring your insurance 6Choice of benefit and premium structures 62Thetypesof insuranceofferedProtect yourself 10Life Cover insurance 11Total and Permanent Disability (TPD)and Loss of Independence insurance 14Critical Illness insurance 17Information common to Life Cover, Total andPermanent Disability (TPD) and Critical Illness 23Income Protection insurance 27Business Expenses insurance 37Premium Waiver insurance 403 Howit all worksSetting up yourinsurance 44How to apply 44How to pay 46Your cooling-off rights 50Contributing to MLC Life Cover Super 51The Universal Super Scheme 52Using your insurance 53How to claim 53Beneficiaries 54Accessing your MLC Life CoverSuper benefit 59Taxation 60Changing, replacing, transferring,renewing or terminating yourinsurance 63Adding to or changing your insurance 63Replacing insurance 63Transferring insurance (within MLC) 63Renewing your insurance 63Terminating insurance 63Converting MLC Life Cover Super tonon-superannuation insurance 64Transfers out of MLC Life Cover Superto rollover funds 65Complaint resolutions 66Privacy Notification 674 DefinitionsGeneral Definitions 70Total and Permanent Disability (TPD)and Loss of Independence Definitions 73Critical Illness Definitions 75Interim AccidentInsurance Certificate 83MLC Life Cover Super and MLC Personal Protection Portfolio PDS Page 03
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 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: Welcome to MLCAt MLC we protect you
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
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 and 112:
Your application for LCS and/or PPP
show all

MLC Life Cover Super MLC Personal Protection Portfolio

Create successful ePaper yourself

Delete template?

Save as template?