LifeCover Plus Plan

The LifeCover Plus Plan pays a sum insured in the event of death by illness or accident and also includes a Crisis Recovery Benefit to help you recover from a range of specified medical crises, or 'Relevant Medical Conditions'.

These 'Relevant Medical Conditions*' are cancer, heart attack, stroke, coronary artery bypass surgery, major head trauma, chronic kidney failure, multiple sclerosis and permanent incapacity.

The Plan also provides an advanced payment if you are diagnosed with a terminal illness* and a double payment for death resulting from a motor vehicle accident*.

Key Features

24 hour worldwide protection for death, trauma and terminal illnes*.
Up to $400,000 death cover and $200,000 trauma cover.
Easy application process - we believe a medical will not be needed in most cases.
Motor Vehicle Accident* 'double benefit' feature.
Australian residents aged 18-49 can apply.
Apply for cover using one simple application form.
Premiums start from $23.20 per month**.
Pay premiums monthly, or pay annually and get 12 months cover for the cost of 11.

*As defined in the Product Disclosure Statement.
**Based on $100,000 cover for a female non-smoker aged 34 and accepted at standard premium rates.

This list is for information only. Please see the relevant Product Disclosure Statement for applicable definitions and exclusions. You should read the relevant Product Disclosure Statement before making any decision about a product.

For further information see our LifeCover Plus Plan Fact Sheet.

Standard monthly premiums

Our standard monthly premiums for the LifeCover Plus Plan are shown below. If you wish to pay annually in advance, multiply the appropriate monthly premium by 11.

Female non smoker

Age Range	$100,000	$150,000	$200,000	$250,000	$300,000	$350,000	$400,000
Up to 35	$23.20	$31.65	$40.00	$48.95	$57.90	$66.85	$75.80
36-40	$28.40	$40.20	$51.70	$63.58	$75.45	$87.33	$99.20
41-45	$39.15	$56.25	$73.40	$90.70	$108.00	$125.30	$142.60
46-50	$57.80	$84.30	$110.80	$137.45	$164.10	$190.75	$217.40

Female smoker

Age Range	$100,000	$150,000	$200,000	$250,000	$300,000	$350,000	$400,000
Up to 35	$32.10	$45.75	$59.20	$72.95	$86.70	$100.45	$114.20
36-40	$43.90	$63.45	$82.90	$102.58	$122.25	$141.93	$161.60
41-45	$64.50	$94.50	$124.40	$154.45	$184.50	$214.55	$244.60
46-50	$96.60	$142.35	$188.00	$233.95	$279.90	$325.85	$371.80

Male non smoker

Age Range	$100,000	$150,000	$200,000	$250,000	$300,000	$350,000	$400,000
Up to 35	$23.80	$33.00	$41.80	$51.20	$60.60	$70.00	$79.40
36-40	$28.00	$39.30	$50.20	$61.70	$73.20	$84.70	$96.20
41-45	$40.20	$57.90	$75.50	$93.33	$111.15	$128.98	$146.80
46-50	$64.60	$94.20	$123.40	$153.20	$183.00	$212.80	$242.60

Male smoker

Age Range	$100,000	$150,000	$200,000	$250,000	$300,000	$350,000	$400,000
Up to 35	$35.00	$50.10	$65.40	$80.70	$96.00	$111.30	$126.60
36-40	$48.20	$69.90	$91.50	$113.33	$135.15	$156.98	$178.80
41-45	$77.00	$113.25	$149.40	$185.70	$222.00	$258.30	$294.60
46-50	$131.10	$194.25	$257.40	$320.70	$384.00	$447.30	$510.60

The actual rates that apply to you will depend on the information you give us in your application. Premiums are subject to change. A copy of premium rates for policy renewals for ages 50-70 is available on request.

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