MLC Life Cover Super MLC Personal Protection Portfolio

IncomeProtectioninsuranceIncome Protection insurance pays a benefit eachmonth that you are totally or partially disabled orunder rehabilitation.This benefit is usually payable monthly in arrears fromthe end of the waiting period you choose.Income Protectionat a glanceProfessional, Clerical andGeneral OccupationsSpecial RiskOccupationsFarmersunder theFarmersPackageYour policy type:Whatare youcoveredfor?Whatfeaturesare builtin?Whatoptionscan youchooseto lowerthe cost?Whatoptioncan youchooseat extracost?Life CoverSuperPersonalProtectionPortfolioLife CoverSuperPersonalProtectionPortfolioPersonalProtectionPortfolioStandard Plus Standard Plus Standard Plus Standard Plus PlusTotal Disability:Own Occupation definition • • • • •2 years Own Occupation,then Any Occupation definition• • • •Partial Disability or Rehabilitation • • • • • • • • •Death benefit • • • • • • • • •World-wide coverage,24 hours a day, 7 days a week• • • • • • • • •Choice of waiting periods • • • • • • • • •Choice of benefit periods • • • • • • • • •Rehabilitation Expenses • • • • •Rehabilitation Bonus • • •Premium waived while youreceive benefits• • • • • • • • •Return to work duringwaiting period• • • • • • • • •Recurring Disability Benefit • • • • • • • • •Extended Leave Cover • • • • • • • • •Elective Surgery Benefit • • • • • • • • •Style of benefitIndemnity Benefit (see page 32) • • • •Agreed Value Benefit (see page 32) • • • • •Indemnity Option • • • •HIV/AIDS Exclusion Discount • • • • • • • • •Non-OccupationalCover Discount • • • •Indexed Claim Benefits • • • • • • • • •Short waiting period foraccidental injury• •Extra Benefits Option • • •Occupational HIV, HepatitisB or C Lump Sum Benefit(certain professions)•The types of insurance offeredMLC Life Cover Super and MLC Personal Protection Portfolio PDS Page 27