Our advisors use sophisticated analysis to evaluate the features and benefits of each product against your own needs. Life Insurance takes no responsibility for any inaccurate Any claim you make under your TPD extension may reduce the amount of your remaining Life Cover unless you select an extra-cost 'buy-back' option which allows you to reinstate it. Alternatively you can also phone 1300 543 346 during business hours. Any claim you make under your TPD extension may reduce the amount of your remaining Life Cover unless you select an extra-cost 'buy-back' option which allows you to reinstate it. Life Cover – available either inside or outside super. It pays a monthly benefit of up to 75% of your earnings, up to a maximum of $60,000 per month. It protects your other insurances, because it allows you to keep them in place even if you can't afford to pay your premiums for a while. Disclosure Statement (dated 30 June 2017) issued by the insurer, MLC Limited (Insurance PDS). This is a straightforward product which pays a lump sum if you die as a result of an accident. Every care has been taken to ensure the accuracy of the MLC Super Fund ABN 70 732 426 024 Insurer MLC Limited ABN 90 000 000 402 AFSL 230694 Issuer of MLC Insurance The Trustee of the Fund is part of the National Australia Bank Limited (NAB) group of companies (NAB group). the Scheme (MLC Insurance (Super) only) refers to The Universal Super Scheme. Page 6 MLC Insurance & MLC Insurance (Super) PDS MLC With you Our track record speaks for itself. 1300 Life insurance have access to the full range of Life Insurance available from all Australian life insurance companies. Income Protection Insurance gives you the certainty that you will be able to pay your ongoing living costs if you are unable to work due to accident or illness. Year after year, we’ve won insurance industry awards for being innovative and having the best products. You can apply for any amount of Life Cover, and between $25,000 and $5,000,000 of TPD. may exist between information provided on this website and For full details of the MLC Insurance (Super) range of life insurance products you can download the Product Disclosure Statement here. mlc.com.au/pds/mkspf References to mlc.com.au in the online copy of this document link directly to the additional information available. MLC Insurance (Super) policies expire when you reach age 74. personal financial situation, needs or objectives. Individuals or businesses You may be able to claim a partial payment if you have a less severe condition and are still able to work in some capacity. should not rely solely on information on this site, as 1300 We will: If your interested in Life Insurance, please complete an enquiry form and our advisers can get in touch with you. MLC Limited uses the MLC brand under licence. Postal address MLC Limited PO Box 23455 You can apply for any amount of Accidental Death Insurance and it provides cover up until age 74. The information on our website, our brochures and other documentation sure the product is appropriate for your needs. MLC Insurance (Super) cannot be held through an SMSF. Our duty of care is to always act in your best interest. Life Cover is a core insurance which pays a lump sum if you die or are diagnosed with a terminal illness, protecting the financial security of the loved ones you leave behind. information provided, however from time to time inaccuracies Inside super refers to insurance held within the super environment and which is subject to super laws. MLC Insurance (Super) policies expire when you reach age 74. Phone 1300 543 346to apply for life insurance. information provided directly by the relevant life insurance You can take out a Premium Waiver policy in combination with a Life Cover or Accidental Death Insurance policy. Built-in features include up to $2,000,000 'accidental injury benefit' if you suffer a severe and disabling injury; an 'economiser' option which allows you to freeze your premiums at the same level as the previous year in exchange for a reduction in the amount of your insurance; and the right to increase the amount of your cover if your circumstances change, without having to supply more medical information. information. This SPDS replaces the previous SPDS. With over 120 years of insurance experience in Australia, we provide long-term, sustainable insurance to our customers. You can apply for any amount of Life Cover, and between $25,000 and $5,000,000 of TPD. However, there can be pitfalls, such as restrictions on your ability to access your benefits if you make a claim, so you should seek expert advice from your financial advisor on whether an MLC Insurance (Super) policy is right for you. If you take out an MLC Insurance (Super) product you will become a member of MLC's Universal Super Scheme and your policy will be owned by the Trustee of that scheme. The TPD extension safeguards your lifestyle in case you experience a serious illness or injury which leaves you unable to work. you decide to buy any product it is important that you read the Product Disclosure Statement and Financial Services Guide to make MLC Personal Protection Portfolio MLC Life Cover Super Supplementar Product Disclosure Statement (SPDS) MLC Insurance & MLC Insurance (Super) SPDS| 2 MLCL200712-0220 For more information call anywhere in Australia on 13 65 25, international callers on +612 9121 6500 or contact your financial adviser. It offers up to 12 months respite from paying premiums if you are retrenched by your employer, and a long-term waiver if you become unable to work because of permanent disability. By structuring your life insurance this way you may be able to benefit from a range of tax advantages and concessions which can make your insurance more affordable. 2020 1300 Life Insurance. You can use the money for any purpose, such as to pay off your mortgage, invest for an income or pay your medical expenses. This may include insurances where MLC is not the Trustee. Copyright © All rights reserved. is of a general nature only and does not take into account your MLC also offers a 'lump sum benefit option' for policies with a benefit period to age 65, which allows you to access the entire amount in one payment if you become totally and permanently disabled. Life Cover insurance $25,000 No general maximum ... the trustee of your SMSF or your MLC super wrap account. Therefore before Total & Permanent Disability or Critical Illness insurance extensions can be added to this Life Cover. company, as products are updated. Your insurance is not a liability of, and is not guaranteed by, NAB.
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