MLC Life Cover Super MLC Personal Protection Portfolio

When won’t MLC waive?MLC will not waive premiums:due to disability or retrenchment arising from, or contributedto by:• intentional self-inflicted injury or attempted suicide• normal and uncomplicated pregnancy or childbirth• war or warlike operations• any injury that occurred, or sickness that first appeared,before the policy commenced or was last reinstated(unless disclosed to, and accepted by, MLC as part of theapplication or reinstatement process).due to retrenchment if you are:• self-employed• an independent contractor• employed by a member of your immediate family, yourfamily company or family trust• a partner in a partnership• retrenched more than once from the same employment.for any insurance increase you obtain in the 12 months prior toretrenchment (MLC waives only the premiums which appliedbefore the increase).for any benefits or types of insurance which you add afteryou are retrenched or suffer an injury or sickness causingyour disability, except for increases under the InflationLinked Option.When does PremiumWaiver insurance end?Your insurance will end when:• the insurance is cancelled at your written request(cover ceases on the next paid-to date and MLC will notrefund any premium paid up to then)• the insurance is cancelled because you stop payingpremiums (unless MLC is paying you benefits)• the policy is cancelled because you make afraudulent claim• you reach the review date after you turn 65• you reach the termination date in your Schedule• your Life Cover insurance ends• you die.The types of insurance offeredMLC Life Cover Super and MLC Personal Protection Portfolio PDS Page 41