MLC Life Cover Super MLC Personal Protection Portfolio

Critical IllnessinsuranceCritical Illness insurance pays you a lump sum if you suffera critical condition.Critical Illness at a glancePersonalProtectionPortfolioStandardPlusHow can youstructure thisinsurance?What are youcovered for?either Critical Illness as part of Life Cover • •orCritical Illness as a Connected Benefit(not available with decreasing cover)• •or Critical Illness as stand-alone insurance •A range of critical conditions limited wideand Critical conditions and definitions on renewal maychangeWhat features are built in? Financial Planning Benefit • •What options can you chooseat an additional cost?At what age can you apply forCritical Illness insurance?To what age can you renewyour insurance?What amount can youapply for?cannot bechangedContinuation Option for level premium • •Increases without Medical EvidenceTotal and Permanent Disability (TPD) as a Critical Condition(not available under stand-alone)• •Life Cover Buy Back (not applicable to stand-alone) • •Extra Benefits Option:• Additional critical conditions for which a partial benefit is payable• Critical Illness Buy BackLevel premium, stepped premium or decreasing coverLevel premiumStepped premium or decreasing cover18–59•••guaranteed renewableup to age 65(then a continuationoption is offered forstepped premium)guaranteed renewableup to age 75Minimum amount insurable $25,000Maximum amount insurable $2,000,000The types of insurance offeredFor more information on Financial Planning Benefit, Continuation Option, Life Cover Buy Back and Increases without Medical Evidenceplease 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 17