MLC Life Cover Super MLC Personal Protection Portfolio

Life CoverinsuranceLife Cover insurance pays an agreed lump sum if you dieor if you are diagnosed with a terminal illness.Life Cover at a glanceLife CoverSuperPersonalProtectionPortfolioStandard Plus Standard PlusWhat are youcovered for?What featuresare built in?What options canyou choose at anadditional cost?At what age can youapply for Life Coverinsurance?To what age can yourenew your insurance?What amount can youapply for?Death • • • •Terminal Illness • • • •Advance Death Benefit • •Accidental Injury • •Financial Planning Benefit • •Continuation Option for level premium • • • •Increases without Medical Evidence • •Terminal Illness Support Option • • • •Business Safeguard Option • • • •Total and Permanent Disability (TPD) and Loss ofIndependence as part of Life Cover or as a ConnectedBenefit (not available with decreasing cover)• • • •Critical Illness as part of Life Cover • •Critical Illness as a Connected Benefit with Life Cover(not available with decreasing cover)• • • •Level premium 15–59 15–59Stepped premium or decreasing cover 15–64 10–69Terminal Illness Support Option (stepped and level premium) 18–59 18–59Level premiumguaranteed renewable up to age 65(then a continuation option is offeredfor stepped premium)Stepped premium or decreasing cover guaranteed renewable up to age 100Minimum amount insurable $25,000Maximum amount insurableno general maximum(special terms may apply for amountsgreater than $15,000,000)The types of insurance offeredFor more information on Financial Planning Benefit, Continuation Option, Increases without Medical Evidence and Business Safeguard Optionplease read the ‘Information common to Life Cover, Total and Permanent Disability (TPD) and Critical Illness’ section on pages 23 to 26.MLC Life Cover Super and MLC Personal Protection Portfolio PDS Page 11