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Help Protect your Family with Life Cover

06 Mar 2014

A little bit of planning now could make it a lot easier for your loved ones to cover debts and day-to-day expenses if you’re no longer here to support them.

Key Features

  • No medicals or blood tests.
  • Flexible levels of life cover.
  • Immediate cover (once your application is accepted).

Help Protect your Lifestyle with Income Protection

What if you’re seriously ill or injured and can’t work for a prolonged period?  Income protection can help you continue with many of life’s little luxuries.

Key Features

  • No medicals or blood tests (a pre-existing condition exclusion2 applies).
  • Can pay up to 75% of your monthly earnings, to a maximum of $20,000 a month3.
  • Monthly payments for up to two years (per claim)4
  • Immediate cover (once your application is accepted).

Apply online or Call 1800 658 679

 

Please refer to the Professionals Life Cover Plus Product Disclosure Statement and Policy (PDS) for full terms, conditions and exclusions at onepath.com.au/ama and consider if it’s right for you.

1. A pre-existing medical condition is an injury, illness, condition or related symptom that, in the five years immediately preceding the policy acceptance date:

you were aware of (or a reasonable person in your position should have been aware of ); or

  • for which you had, or were intending to have, a medical consultation; or
  • for which a reasonable person in your circumstances would have had a consultation.

Professionals Life Cover Plus is issued by OnePath Life Limited (ABN 33 009 657 176) (OnePath Life).  

Please refer to the ProSecure Income Replacement Plan Product Disclosure Statement and Policy (PDS) for full terms, conditions and exclusions at onepath.com.au/amaprotect and consider if it’s right for you. 

2. A pre-existing medical condition is an injury, illness, condition or related symptom that, in the five years immediately preceding the policy acceptance date:

  • you were aware of (or a reasonable person in your position should have been aware of ); or
  • for which you had, or were intending to have, a medical consultation; or
  • for which a reasonable person in your circumstances would have had a consultation.

3. The monthly amount payable for the Total Disability Benefit is the lesser of (1) the monthly benefit that you choose to insure (to a maximum of $20,000) and (2) 75% of the first $20,000 per month of your ‘pre-claim earnings’ plus 50% of the next $10,000 per month of your ‘pre-claim earnings’ less ‘other payments’. Please refer to the Glossary in the PDS for further information on ‘pre-claim earnings’ and ‘other payments’.

4. The maximum cumulative benefit period for any mental illness condition or for any condition arising from or contributed to by a mental illness which gives rise to the disability (as determined by a registered and qualified psychiatrist who is a medical practitioner) is 12 months. The 12 months benefit period is for all such claims which occur during the life of the cover, regardless of the number of events or causes or the number of such claims.

 

ProSecure Income Replacement Plan is issued by OnePath Life Limited (ABN 33 009 657 176) (OnePath Life). 

This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.


Published: 06 Mar 2014