PRODUCT BENEFITS Funeral Cover Term Life Insurance Guaranteed Life Insurance Accidental Death Insurance Accident Recovery Insurance Mortgage Protection Insurance Cancer and Critical Illness Recovery Insurance Age eligibility 16-75 years 16-59 years 50-79 years 16-74 years 16-70 years 16-74 years 16-59 Cover Levels $5,000-$15,000 $50,000 - $400,000 Dependant on Premium $75,000 - $350,000 Standard or Superior $50,000-$500,000 $20,000 - $60,000 Guaranteed Acceptance Yes No Yes Yes Yes No No Immediate cover on acceptance For accidental death only Yes For accidental death only Yes Yes Yes No Payout for death as a result of an accident Yes Yes Yes Yes Yes Yes No Payout for death by natural causes After 2 years Yes After 2 years No No Yes No Early payout for Terminal Illness No Yes After 2 years No No Yes No Payout for disability or injury No No No No Yes No No Cash for hospitalisation No No No No Yes No No Covered while being overseas Yes Yes Yes Yes Yes Yes Yes Fixed premiums Yes No Yes Yes Yes No No Fixed cover levels Yes No Yes Yes Yes Yes No Premium Freeze Benefit No Yes No No No Yes Yes