Death & TPD

New improved cover

In Concept One, you will receive 2 units of Death and TPD insurance as per the table below. You will also be given the option to apply for an additional 2 units of cover without underwriting if you apply within 60 days.

Cover is issued depending on whether your occupation is classified as ‘White Collar/Education’ or ‘Standard’. Please refer to the Other Important Information Booklet for Occupation definitions.

Death only $1 per unit per week

Death & TPD

$2 per unit per week

DEFAULT LEVEL

2 UNITS DEATH & TPD

Age next birthday White collar/ Education 1 unit Standard 1 unit Age next birthday White Collar/ Education 1 unit Standard 1 unit

16-35

151,800

83,950

51

36,400

20,150

36

142,750

81,350

52

32,350

18,200

37

133,600

76,100

53

27,800

16,500

38

124,450

70,400

54

24,300

14,650

39

115,400

64,750

55

20,300

12,750

40

106,250

58,750

56

18,450

11,000

41

98,350

53,600

57

16,600

9,650

42

90,500

49,250

58

14,800

8,600

43

82,600

45,350

59

13,000

7,200

44

74,650

40,700

60

11,150

6,800

45

66,800

37,200

61

9,900

6,800

46

61,500

34,000

62

8,700

6,150

47

56,250

30,850

63

7,500

6,100

48

50,950

28,250

64

6,250

6,100

49

45,700

25,900

65-70

6,100

6,100

50

40,400

23,100

* TPD definition varies from age 65

Cover is available for all members regardless of your employment status and working hours.

The TPD definition applicable to you depends on your employment status and working hours at the time of claim. Please see the Other Important Information Booklet for details on which TPD definition applies to you.


Additional cover

You are automatically provided with 2 units of Death & TPD insurance cover when you join, with an option to take out an additional 2 units without medical underwriting.

You may wish to vary your cover by electing additional units of Death and TPD up to a maximum of $3 million.

Cover over your default level is subject to medical underwriting with the insurer and will be charged at standard rates of $2 per unit per week for Death & TPD and $1 per unit per week for Death Only.

Call 1300 720 182 to increase your cover.