FAQs

Payments

  • How can I update the bank account or credit card details on my MLC insurance policy online

    The Update bank details or credit card details online transaction lets you update your bank details for premium payments for your MLC Insurance, MLC Insurance (Super), MLC Personal Protection Portfolio or MLC Life Cover Super policy.

    1. Select your insurance policy and click on Update your bank or credit card details
    2. Enter your email address, policy number and choose the type of payment method (bank account or credit card)
    3. Enter your bank account or credit card details, then choose the frequency and preferred draw date
    4. Acknowledge the Direct debit service agreement
    5. Review your request and click Submit. You’ll then receive on-screen confirmation that your request has been submitted. We’ll then process your change bank details request and send you written confirmation. Please allow 3-5 working days for us to process your request.
  • What payment options are available for MLC Insurance and MLC Insurance (Super) policies?

    1. Overview

    Frequency of premium payments Payment methods available
    Debit Card Credit Card Cheque BPAY MLC super or pension account (MLCi Super only)
    Rollover from an external super fund (MLCi Super only)  Frequency loading
     Monthly check check     check    7%
     Half-Yearly check  check check check check    4%
     Yearly check check check check check check  Nil

    All premiums must be paid in advance.

    If the policy owner wishes to change their payment method, they can complete the MLC Insurance & MLC Insurance (Super) - Payment authority request or call the Client Service Centre on 13 26 52.

    2. Cheque

    For MLC Insurance policies, MLC accepts "non negotiable" cheques made payable to MLC Limited.

    For MLC Insurance (Super) policies, MLC accepts "non negotiable" cheques made payable to MLC.

    All cheques can be mailed to:
    MLC
    PO Box 200
    North Sydney NSW 2059

    3. BPAY

    The BPAY Biller Code is 58289. The customer reference number will be noted on all premium renewal notices sent to the client, arrears due and urgent payment requests. The customer reference number can also be obtained by calling the Client Service Centre on 13 26 52.

    Note: BPAY is not available as a payment option for initial premium payments.

    4. MLC super or MLC pension account

    For MLC Insurance (Super) premiums that are paid by deduction from an eligible MLC super or MLC pension account, only one deduction may operate on any account. MLC Insurance (Super) premiums can't be paid by any other super fund, including a Self-Managed Super Fund (SMSF).

    5. Payments by Direct Debit

    If customers operate either a cheque account or non-passbook savings account at any bank or financial institution in Australia, they can make automatic premium payments directly to MLC and we will pay all transfer charges.

    Note: Direct debiting is not available on the full range of financial institution accounts. Clients should refer to their financial institution before choosing this payment method.

    6. Payments by Credit Card

    Payments will only be accepted via Visa or MasterCard.

    7. Rollover from an external super fund

    The customer must be the member for both the MLC Insurance (Super) policy and the external super fund account from which the rollover will be paid.

    How to pay insurance premiums by rollover

    When choosing to pay premiums by rollover, the customer will need to provide NULIS Nominees (Australia) Limited with an Enduring Authority so that we can initiate the rollover on their behalf each year when their premiums are due.

    For a new insurance application the customer can do this as part of their application. For an existing insurance policy they can complete a payment authority request form which is available at mlc.com.au.

    The customer will be notified of the amount of the annual premium required prior to requesting the rollover from their nominated external super fund. The customer may be able to claim a tax deduction for the premium paid for insurance and, at our discretion, may pass some or all of the benefit of this tax deduction to them by reducing the amount of the rollover required to meet the premium, when the rollover comes from a taxed source.

    Please note - Important Information:

    •  The customer can only request one policy with MLC to be paid by rollover from any one external fund.
    • Super funds are only required to support one rollover transaction a year. This means that if the customer need to complete two premium payments in any one year (for example if they increase their benefits mid-year), then they may need to make the second premium payment by a different payment method.
    • The customer will need to check with their external super fund if there are sufficient funds to pay the insurance premium, what fees or charges that fund may apply to the rollover, and if the rollover will impact any entitlement they have in that fund.
    • The customer must notify us in writing if they no longer want to pay their premiums by rollover from their external super account, and provide us with new instructions on how they want to pay the premiums to ensure that their insurance can continue.
    • We cannot accept certain rollovers, such as pension or super amounts transferred from the UK or New Zealand Kiwi Saver or untaxed amounts. It is the customer's responsibility to ensure these types of amounts do not form part of their benefit in their nominated external superfund account.

General

  • How can I update my beneficiaries online?

    To learn how to update your beneficiaries online, watch our quick video or follow the steps below.

    If you have a MLC MasterKey or Business Super account, you can update your non-binding beneficiary nomination by following these steps.

    1. Login to your online portfolio
    2. Select your super or pension account, or insurance policy and click on Other > see other transactions
    3. Click on Update beneficiary
    4. Select non-binding and complete the details
    5. Review our request and agree to the terms and conditions, then click Submit. You'll receive confirmation on screen. We'll then process your updated beneficiary request and send you written confirmation. Please allow 3-5 working days for us to process your request.

    You can update your non-lapsing binding beneficiary nomination by following these steps.

    1. Login to your online portfolio
    2. Select your super or pension account, or insurance policy and click on Other > see other transactions
    3. Click on Update beneficiary
    4. Select non-lapsing binding and download the form.
    5. Complete the form and post it to MLC. Your signature is required and must be witnessed by two adult persons. Please allow 3-5 working days for us to process your request.
  • How can I update my name and date of birth online?

    You can request an update to your name or date of birth online, but you'll also need to send us certified copy of your identification by mail so that we can process your request.

    If the change is being requested on behalf of a MLC MasterKey Business Super client, where their name is being displayed incorrectly, we may require from them a Statutory Declaration. If this is required, we will contact you.

    Once you've logged into your MLC MasterKey online portfolio:

    1. Click View all within the Personal details panel
    2. Click Edit beneath your name and date of birth
    3. Enter your updated name and date of birth
    4. Click Confirm and print the coversheet which you'll need to send to us with a certified copy of your identification to the address shown on the coversheet
  • What are the features of Income Protection insurance for MLC Insurance and MLC Insurance (Super)?

    What are the features?

    The table below provides a snapshot of the features included with income protection insurance.

    Features of all income protection insurance
    Choice of waiting period

    This is the initial period of disability where we don't pay benefits. The insured pays a lower premium the longer the waiting period. They can choose a waiting period of:

    • Income Protection Platinum and Income Protection: 14, 30 or 90 days, 1 or 2 years.
    • Special Risk: 30 or 90 days.
    Choice of benefit period 

    MLC Limited will pay a benefit each month, while the insured is disabled, up to the maximum benefit period they choose.

    The insured pays a lower premium the shorter the benefit period selected. They can choose a maximum benefit period of:

    • Income Protection Platinum and Income Protection: 2 or 5 years, or up to age 65.
    • Special Risk: 2 or 5 years.
    Child Support Income Benefit (outside super only) MLC Limited will pay the lesser of three times the monthly benefit and $25,000 as a lump sum if the insured's Child first has a Child Support Income Benefit Condition or dies.
    Rehabilitation Expenses (outside super only) In addition to any Total or Partial Disability benefit payable, MLC Limited will pay up to 12 times the monthly benefit for approved rehabilitation expenses, such as the cost of a rehabilitation course or special equipment, to help the insured return to work.
    Rehabilitation Bonus (outside super only) The insured will receive a benefit increase of 50% for up to 12 months while MLC Limited is paying the insured a Total or Partial Disability benefit while you're undergoing approved rehabilitation. 
    Premium Waiver

    The insured's Income Protection premiums will be waived while the insured is receiving benefits.

    Any premiums paid while the insured is disabled and receiving benefits, including during the waiting period will be refunded.

    Premiums for other types of insurances will still be due.

    Return to Work during the waiting period

    The insured can return to work during the waiting period. The days the insured works don't have to be consecutive, but the waiting period will be extended by the number of days for which they return to work.

    When the insured's Waiting Period is 14 days or 30 days, and you return to work for more than five consecutive work days, the waiting period will restart.

    If the waiting period is more than 30 days, and the insured returns to work for more than ten consecutive work days, the waiting period will restart.

    For the purposes of Income Protection Platinum, return to work means that they've returned to work at full capacity.

    Recurring Disability Benefit 

    If the insured's disability recurs while this insurance is in force, and they had returned to work after their previous disability for no more than:

    • six months, if their benefit period is either five years or less, or
    • six months, if the disability recurs after the Review Date following their 65th birthday, or
    • 12 months, if their benefit period is more than five years, and the disability recurs before the Review Date following their 65th birthday

    MLC Limited will consider it a continuation of their previous disability.

    The insured can continue to claim as soon as the disability recurs, with no new waiting period.

    The cause of the disability must be the same as, or related to, the previous disability for which MLC Limited has paid a benefit.

    The benefit period for the previous disability and the disability that has recurred combined cannot exceed the benefit period shown in their Schedule.

    If the disability recurs after this time we'll treat it as a new claim.

    Elective Surgery Benefit

    The insured may be eligible for a monthly benefit if they're unable to work because they have undergone:

    • elective surgery performed on the advice of an appropriately qualified Doctor
    • an operation to improve their appearance as a result of sickness or injury, or
    • surgery to donate a body organ or bone marrow to another person.

    The surgery must take place more than six months after this insurance started, was last reinstated or increased. If the insured undergoes elective or cosmetic surgery within 6 months of an increase to their monthly benefit, MLC Limited will only pay the benefit that applied before the increase.

    In all cases the surgery must be performed by an appropriately qualified Doctor.

    Death Benefit  The estate will receive six months benefit as a lump sum to a maximum of $60,000 if they die while the policy is in force.
    Increases without further medical evidence (Income Protection Platinum and Income Protection only)  The insured can apply to increase their Income Protection insurance by up to 20% once during any three year period without further medical evidence when certain personal events happen.
    Extended Cover Renewable to age 70 (Income Protection Platinum and Income Protection outside super only)

    Following the Review Date after the insured turns 65, they can continue to renew the insurance until the earlier of:

    • the insured turns 70
    • the date the insured retires or ceases full-time Gainful Employment.
    Waiting Period Conversion (Income Protection Platinum and Income Protection)

    If you have a two year waiting period in conjunction with an eligible group salary continuance scheme and:

    • if you leave your employer and the related group salary continuance scheme, and
    • you aren't eligible to exercise a continuation option from that scheme
      you can apply to reduce your waiting period from two years to 90 days without further medical evidence.

    What are the additional options?

    The insured can apply for options listed below at an additional cost.

    Income Protection insurance additional options
    Extra Benefits Option (outside super only)

    The insured can purchase a package of extra benefits, these are:

    • Nursing Care Benefit
    • Accommodation Benefit
    • Transportation Benefit
    • Home Assistance
    • Critical Illness Benefit, and
    • Advance Payment Benefit
    Indexed Claim Benefits To make sure benefits keep pace with inflation, the insured's benefits and Earnings Before Disability will be increased annually after benefits have been paid continuously for a full year. The increase will be equal to the latest annual CPI increase available at the date we calculate the increase.
     
    Short Waiting Period for Accidental Injury Option (outside super only; 14 or 30 day waiting periods apply)

    This option enables the insured to receive benefits while they're Totally Disabled during the waiting period. Benefits are payable from the fourth consecutive day of their total disability during the waiting period.

    If the insured is already eligible for the Nursing Care Benefit under the Extra Benefits Option, they won't be eligible for this feature.

    The insured's Total Disability must be caused by an Accident and begin within 30 days of the Accident.

    Lower the cost of the insurance

    Here are some options that will help the insured lower the cost of their insurance:

    Option 
    Premium Saver Option 

    The insured can choose to exclude any disability, condition or loss arising from or contributed to by:

    • chronic fatigue syndrome or fibromyalgia
    • Mental Disorder and or/alcohol, drug or chemical abuse or dependency except where the insured are confined indoors and, under the direction of an appropriately qualified Doctor, are receiving full time nursing care continuous supervision (not provided by a member of their Family) to protect themselves or other people.
    Non-Occupation Cover Option (Income Protection Special Risk only) The insured has the option to exclude disabilities which happen at work or as a result of work, or for which they can claim benefits under Worker's Compensation or a similar compensation scheme regulated by legislation.
     

     

  • What MLC products can be used to pay Life Cover Super or MLC Insurance (Super) premiums?

    Eligibility

    Life Cover Super or MLC Insurance (Super) members who also hold either of the accounts listed below can arrange to pay their premiums by a regular deduction:

    • MasterKey Super, or
    • MasterKey Super Fundamentals, or
    • MasterKey Superannuation (Gold Star or Five Star), or
    • MasterKey Pension, or
    • MasterKey Pension Fundamentals.

    Note: Only one deduction may operate between any one of these accounts and the Life Cover Super or MLC Insurance (Super) policy (i.e. Life Cover Super deductions cannot be split between multiple MasterKey accounts).

    Frequency

    The member will need to specify the term of the premium deduction, being either:

    • Monthly
    • Half-yearly
    • Yearly

    Instalment Deduction

    The date the deductions will commence from the account will depend on when MLC receives the form. Instalments will be deducted from the account on:

    • the same date each month for monthly payments
    • the half-yearly and annual policy anniversary date for half-yearly payments
    • the annual policy anniversary date for yearly payments.

    Requirements

    The initial premium or a completed MLC super or pension deduction authority must accompany the MLC Insurance (Super) application. The MLC deduction authority can be located within the MLC Insurance & MLC Insurance (Super) - Payment authority request.

    Where the Life Cover Super policy is already set up, members need only to complete the MLC MasterKey Deduction Authority within the MLC Personal Protection Portfolio, MLC Life Cover Super, MLC EasyCover & MLC Simple LifeCover - Change of Policy Details Form.

  • What are the features of MLC Life Cover insurance for MLC Personal Protection Portfolio and MLC Life Cover Super policies?

    Life Cover insurance pays an agreed lump sum if you die or if you are diagnosed with a terminal illness.

    Life Cover at a glance  MLC Life Cover Super MLC Personal Protection Portfolio
    Standard Plus Standard Plus
    What is the insured covered for? Death

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    Terminal Illness

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    What features are built in?   Advance Death Benefit

     

     

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    Accidental Injury

     

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    Financial Planning Benefit

     

     

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    Continuation Option for level premium

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    Increases without Medical Evidence  

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    What options can the insured choose at an additional cost?     Terminal Illness Support Option

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    Business Safeguard Option

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    TPD and Loss of Independence as part of Life Cover or as a Connected Benefit

    ( Note: Not available with decreasing cover)

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    Critical Illness as a part of Life Cover  

     

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    Critical Illness as a Connected Benefit with Life Cover

    ( Note: Not available with decreasing cover)

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    At what age can an insured apply for Life Cover insurance?   Level Premium 15-59 15-59
    Stepped Premium or decreasing cover 15-64 10-69
    Terminal Illness Support Option (stepped and level premium) 18-59 18-59
    To what age can an insured renew their insurance?  Level premium guaranteed renewable up to age 65 (then a continuation is offered for stepped premium)
    Stepped premium or decreasing cover Guaranteed renewable up to age 100
    What amount can an insured apply for?  Minimum amount insurable $25,000
    Maximum amount insurable no general maximum (special terms may apply for amounts greater than $15,000,000)
  • What types of beneficiaries are available for MLC MasterKey super and pension products?

    The beneficiary options depend on which MLC super and pension products the member has.

    This table shows what beneficiary options are available for MLC super products.

    Superannuation Products Beneficiary Types
    Non-Lapsing
    Binding
    Non-Lapsing
    Non-Binding
    MLC MasterKey Super &
    MLC MasterKey Super Fundamentals
    Yes Yes
    MLC MasterKey Superannuation
    Gold Star & Five Star
    Yes Yes
    MLC MasterKey Business Super &
    MLC MasterKey Personal Super
    Yes Yes

    This table shows the beneficiary options available for MLC pension products.

    Pension & Annuity Products Beneficiary Types
    Non-Lapsing Binding Non-Lapsing
    Non-Binding
    Reversionary¹ Automatic Spouse¹
    MLC MasterKey Pension &
    MLC MasterKey Pension Fundamentals
    Yes Yes Yes No
    MLC MasterKey Allocated Pension
    Gold Star & Five Star
    Yes Yes No No
    MLC MasterKey Term Allocated Pension Yes Yes No Yes
    MLC MasterKey Annuity² No Yes No No

    ¹ Please note that a reversionary beneficiary nomination or automatic spouse nomination may only be made at the time of opening a new pension account.

    ² For a Masterkey Annuity, the above table only applies in the case where the annuity was purchased by eligible termination payment money. In situations where ordinary money was used to purchase the annuity, the annuity falls out of scope of super legislation and all nominations are treated as binding nomination.

    Nominating a beneficiary

    The member will need to complete the relevant form below to nominate a beneficiary on their account. For MLC MasterKey Super and Pension and MLC MasterKey Super and Pension Fundamentals, the nomination is valid across both the super and pension side of the account unless stated otherwise. There is no limit to the number of beneficiaries a client can elect (except for the reversionary and automatic spouse options).

    Product Form
    MLC MasterKey Super
    MLC MasterKey Super Fundamentals
    MLC MasterKey Pension
    MLC MasterKey Pension Fundamentals
    MLC MasterKey Superannuation Gold Star
    MLC MasterKey Superannuation Five Star
    MLC MasterKey Business Super
    MLC MasterKey Personal Super
    MLC MasterKey Allocated Pension
    MLC MasterKey Term Allocated Pension
    MLC Superannuation & MLC Pension - Beneficiary nomination form
    MLC MasterKey Annuity MLC MasterKey Annuity - Change of Account Details form

    Note: MLC introduced non-lapsing binding beneficiary nominations in May 2008. Any binding beneficiary nominations prior to that date expired after 3 years.

  • What premium draw dates are available for MLC Personal Protection Portfolio and MLC Life Cover Super?

    The premium draw dates available for MLC Personal Protection Portfolio and MLC Life Cover Super are:

    • 1st
    • 5th
    • 10th
    • 15th
    • 17th - (only available for bank accounts, not for credit cards)
    • 20th
    • 25th

    How to change the date premiums are deducted
    To change the date premiums are deducted, the policy owner will need to complete the MLC Personal Protection Portfolio, MLC Life Cover Super, MLC EasyCover & MLC Simple LifeCover - Change of Policy Details Form, or call us on 132 652.

    To change the draw date over the phone:

    • Ensure you are talking to the policy owner or listed financial adviser
    • Confirm the draw date the customer would like to change too
    • Raise a BDU case via gemini to have the date changed

    The listed financial adviser can also ask to change this date as long as the draw amount and the bank account details don't change. Please contact our Adviser Service Centre on 133 652.

    Note: Due to normal business processing we can't guarantee the date selected for premium deductions by the policy owner. The policy owners' first premium will be drawn at the start of the policy, which may differ to the draw date selected.

  • When can a life insured apply for increases without medical evidence on an MLC Insurance & MLC Insurance (Super) policy?
    Income Protection Platinum and Income Protection insurance
    Increases without further Medical Evidence The application for an increase in the monthly benefit must be made between the date the relevant event happens and 30 days after the first Review Date following the event. The insured can request an increase in their Income Protection Platinum and Income Protection monthly benefit, without needing to provide further medical evidence, by up to 20%, subject to the maximum insurable amount, when any of the following events happen:
    • the insured or their Spouse adopt or give birth to a child
    • the insured married or divorced
    • the insured completes an undergraduate degree at a Government-recognised university
    • the insured has a Child who starts secondary school, or
    • the insured takes out, or increases, a Mortgage to purchase or improve their home.
    • ­the insured has received an increase in their Earnings of at least 10% in the previous 12 months

    They will need to provide financial evidence satisfactory to MLC Limited to support the increase requested, proof of the event and request the increase in writing. This increase will be in addition to any increases available under Inflation Proofing.

    Life Cover, TPD and Critical Illness Plus insurance
    Increases without further Medical Evidence

    Until the Review Date after the insured turns 55, they can apply to increase their Life Cover, TPD and Critical Illness insurances without further medical evidence if a specified personal or business event happens.

    The increase must be applied for:

    • between the day the relevant personal event happens and 30 days after the first Review Date following the event, or
    • within 30 days of the first Review Date following the relevant business event.

    Personal event

    The insured can apply to increase their Life Cover, TPD and Critical Illness insurances by up to 25% of your original insurance amount. The maximum increase is $200,000 for any one of the following events:

    • the insured or their Spouse adopt or give birth to a child
    • the insured gets married or divorced
    • the insured completes an undergraduate degree at a Government-recognised university, or
    • the insured has a child who starts secondary school.
    • ­the insured has received an increase in their Earnings of at least 10% in the previous 12 months

    If insured takes out, or increases, a Mortgage to purchase or improve your home, the maximum increase we'll allow is the lesser of:

    • 50% of their original insurance amount
    • the value of the new Mortgage
    • the value of the latest increase to their existing Mortgage, and
    • $200,000.

    Business event

    The insured can apply to increase your Life Cover, TPD and Critical Illness insurances if the insurance is issued for one of the following purposes:

    • a written ownership (buy/sell), share purchase or business continuation agreement under which they are a partner, shareholder or unit holder in the business
    • asset protection (loan guarantee) insurance, or
    • Revenue Protection (Key Person) insurance if they're considered as such in the business (outside super only).

    The increase will be in proportion to the increase in value over the year of your financial interest in the business or of the Key Person to their business (as agreed with MLC Limited).

    The maximum increase we'll allow is the lesser of:

    • 25% of the insured's original insurance amount
    • for a written ownership (buy/sell), share purchase or business continuation agreement under which they're a partner, shareholder or unit holder in the business, the increase, averaged over the preceding three years, in the net value of their financial interest in the business, and
    • for asset protection (loan guarantee) insurance, the increase in that part of the business loan they're responsible for, which is average over the preceding 3 years, and
    • for Revenue Protection (Key Person) insurance, 5 times the increase the their value to the business, average over the preceding 3 years, and
    • $200,000.
  • What is the Critical Illness Buy Back Option on MLC Protectionfirst?

    One year after a valid claim form was lodged for which the Critical Illness Benefit was paid, you can purchase an MLC Protection – Life Policy (death only) without providing further medical evidence.

    This option can only be exercised within a period of 30 days from the first anniversary of when the valid claim form was lodged for which the Critical Illness Benefit was paid. If your policy includes this option, we will provide cover on the following basis:

    • the death Sum Insured may not exceed the Critical Illness Benefit paid; and
    • premiums will be charged at the appropriate rate for the then attained age next birthday based on the then current published term insurance rates; and
    • any original exclusions or special conditions applicable under this policy will be maintained.

    To exercise this option we'll require a completed Application for MLC Protectionfirst together with a valid quote (a personal statement is not required).

    Where the Critical Illness Buy Back Option is exercised in conjunction with the Critical Illness Reinstatement Option (see below), Indexation (as defined on page 38) will not be available.

    The maximum age at which the option can be purchased is age 60 next birthday.

    This option ceases at the policy anniversary preceding age 70.

  • What factors affect MLC insurance premiums?

    Premiums differ according to individual circumstances. Factors affecting MLC insurance premiums include, but are not limited to:

    • age at policy commencement and chosen premium structure – in a stepped premium structure premiums generally increase with age, while in a level premium structure premiums are based on the insured's age when the policy begins
    • sex
    • occupation
    • smoking status – premiums are higher for smokers than non-smokers
    • medical history – the insured’s state of health and/or their family’s medical history
    • lifestyle and leisure activities – the greater the risk of the activities the insured undertakes, the higher the premium
    • frequency of premium payments and applicable policy fee
    • the financial arrangement agreed with a financial adviser.

    MLC may change one or more components of the premium rates at any time but MLC will notify the insured before changes are made to the premiums. MLC will only change an insured’s premiums after giving them at least 30 days notice of any change and will not single out individuals for a change of premiums.

  • What is the difference between the Own and Any Occupation definitions of TPD under MLC Personal Protection Portfolio and MLC Life Cover Super policies?

    How an insured's inability to work is defined depends on whether or not they are gainfully employed (working for earnings, payment or profit) when their disability begins, and whether they are insured under the Any Occupation or Own Occupation definition.

    Any Occupation

    If an insured is gainfully employed when their disability begins, 'unable to work' under the any occupation definition means they are unable to work at their usual occupation or any other occupation they are reasonably suited to by way of education, experience or training.

    Own Occupation

    If an insured is gainfully employed when their disability begins, 'unable to work' under the own occupation definition means they are unable to work at their own occupation and not be working in any occupation for a continuous period for at least six months.

    To be eligible for 'Own Occupation' definition of TPD, an insured can choose at an additional cost the Own Occupation definition if the occupation in which they are engaged when they apply is eligible under the AAA, ACT, ML or certain AA, A, BB occupation categories, which include professional occupations such as accountants, doctors and solicitors. The Own Occupation definition of TPD varies according to an insured's employment status.

    When an insured claims, the Own Occupation definition lets them choose to be assessed according to:

    • their occupation when they applied, or
    • their occupation immediately prior to the date of disability, as long as that occupation is eligible for the Own Occupation definition.

    Not Gainfully Employed

    If an insured is not gainfully employed when their disability begins, 'unable to work' means they are unable to do any normal physical domestic duties (cleaning, cooking meals, doing the laundry, shopping for groceries and taking care of dependent children.

  • What if I want to cancel my insurance policy?

    You can cancel your insurance at any time. We understand your insurance needs may have changed and encourage you to speak to your financial adviser first before cancelling your policy. If you want to cancel your insurance, please call us on 132 652 between 8:00am and 6:00pm (Melbourne/Sydney time), Monday to Friday. 

  • What if I change my mind after I have cancelled my insurance policy?

    Under certain circumstances your insurance policy can be reinstated. Please call us on 132 652 between 8:00am and 6:00pm (Melbourne/Sydney time), Monday to Friday and speak to a member of our Customer Service Centre team. 

  • When will my annual statement be available?
    We’ve created the 2018 Statement mailing calendar to make it easy for you to find out everything you need to know about receiving your statement.