1The premiums may change if you make changes to your Policy or if the underlying premium rates are changed by us. However, you will never be singled out for a premium rate increase.
2This is a guide only and does not take into account changes in taxation laws or your particular circumstances. You should ask your tax adviser or the Australian Taxation Office about your own circumstances.
3Bonus 10% more cover is calculated on the fifth anniversary from the Cover Commencement Date. Each adult life insured will have an extra 10% of the average Funeral Insurance Cover amount held during the previous five years added to their Funeral Insurance benefit. Terms and Conditions apply. Refer to the Product Disclosure Statement for more information.
4After the Policy Anniversary following a Life Insured reaching age 85, the Policy Owner can cash in the policy and receive a payout of 120% of the Life Insured’s average Funeral Insurance cover amount, excluding Bonus Cover, the optional Accidental Death cover. The Early Payout Option may affect entitlements to the age pension and other government benefits.
5Highest payout is paid on receipt of a valid claim and is calculated on your Funeral Insurance cover or Funeral Insurance premiums paid.
6The multi-life discount doesn’t apply to the optional Accidental Death Cover.
7The premiums may change if you make changes to your Policy or if the underlying premium rates are changed by the insurer However, you will never be singled out for a premium rate increase.
If you are eligible for more than one discount, we apply each in a predetermined order to the already discounted premium (usually before adding taxes and charges). The discounts we offer are subject to change.