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  • Your best choice for life insurance | Life Australia
    you want to provide your family with enough cash to repay debt and help maintain their lifestyle if you were to die prematurely Total and Permanent Disablement Insurance TPD Lump sum on permanent disablement do you want to receive a lump sum to repay debt and to help maintain your lifestyle if you were to become permanently disabled Trauma Insurance Lump sum on critical illness or injury do you want to receive a lump sum payment to help maintain your lifestyle while you recover from a critical illness or injury Income Protection Replace up to 75 of your income should you be unable to work due to injury or sickness do you want to receive a regular income whilst unable to work due to sickness or injury so that you can maintain your lifestyle Do you wish to include Income Protection Cover Not Selected Yes No If YES to Income Protection please indicate your taxable income per year Your Personal Details Please answer the questions below Salutation Please select Mr Ms Mrs Miss Dr Prof Name First Last Date of Birth DD MM YYYY Gender Please select Male Female What is your occupation You may specify more than one What is your current employment status Please select Employed Not employed Home Duties Retired Self employed Are you a Smoker Non smoker Smoker State Territory of residence Please select NSW ACT Queensland Victoria South Australia Western Australia Tasmania Northern Territory Postcode of Residence Email We will forward your quote to this nominated email address Enter Email Confirm Email Mobile Phone Preferred Phone Number Please enter the characters below to validate your entry Important Information Privacy of Information The information you submit will be considered strictly private and confidential and will only be used for the purpose of providing a quote Information

    Original URL path: http://www.lifeaustralia.com.au/ (2014-01-05)
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  • Home | Life Australia
    process Clients of LifeAustralia com au generally save between 20 60 on the cost of their insurance When looking for life insurance use our free online quote facility and we will find the most affordable policy to meet your life insurance requirements Get a quote from LifeAustralia com au today and find out how we can help you take care of all your life total and permanent disability trauma and

    Original URL path: http://www.lifeaustralia.com.au/home/ (2014-01-05)
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  • Insurance Types | Life Australia
    have and also help with your ongoing living expenses while you are disabled Find out more Income Protection insurance provides an income stream should you become unable to work due to an injury or sickness Benefits are paid monthly not as a lump sum The amount of cover is restricted normally to 75 of your gross salary Premiums are tax deductible Find out more Trauma insurance pays the person insured

    Original URL path: http://www.lifeaustralia.com.au/insurance-types/ (2014-01-05)
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  • Term Life Insurance – FREE Quote from Life Australia
    the more dependants you have the more life insurance you may need to protect your assets and your family s financial security Obligations which may need to be considered are your mortgage paying for your children s future education settlement of personal debts funeral expenses and your family s future living expenses How much cover do I need The purpose of life insurance is to provide your dependants with a sum of money sufficient to pay out your debts and or to provide an income sufficient to support your family for a period of time usually until your children are 18 years old As everyone s situation is different the level of cover required will vary Most advisers will recommend that you have life cover equivalent to a minimum of 10 times your average annual income The key areas to think about when calculating how much life insurance you need are your levels of current Debt eg credit cards personal loans Income a capital value for your family to invest and receive income Mortgage any mortgage debt that you have and Expenses your family s annual living expenses are met Life insurance is particularly important if you have a high level of debt such as a home mortgage or investment loans If you were to pass away would your loved ones be able to continue to service your outstanding debt or even pay them off outright How do you choose the right policy It is best to talk to a personal risk specialist who has access to a wide range of competitive life insurance products They have the experience and expertise to guide you in choosing the right product for your particular situation and budget Premiums vary depending on age and health history Your adviser can provide a guide but

    Original URL path: http://www.lifeaustralia.com.au/insurance-types/term-life-insurance/ (2014-01-05)
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  • Income Protection | Life Australia
    taxpayers The after tax cost of the cover can therefore be significantly less than the cost of the premium Other Important Information about Income Protection Choose the waiting period carefully Typically waiting periods of 14 30 60 90 days are available In addition waiting periods as long as one or two years can be available to cater for individuals who have a limited form of salary continuance in their superannuation policies The waiting period dictates how long you have to wait before you are eligible to receive payment under your policy following a claim You will not be able to lodge a claim until the expiry of the waiting period and you should allow for the fact that it could take some time for the insurance company to process the claim before paying your first entitlement In choosing a waiting period it is important to consider your financial commitments such as mortgage and other debt payments and the short term funds you have at your disposal Unused sick leave and annual leave entitlements may also influence your choice of waiting period Claims Escalation The Claim Escalation Option is important in the event of a claim as it will ensure that the monthly benefit you are paid is increased in line with inflation If you choose to purchase cover to age 65 this option is highly desirable as your claim could extend over a prolonged period Conversely if you are purchasing cover for a benefit period of only 2 or 5 years you may decide the escalation option is not as important and save the extra cost on top of the premium Occupation influences premium One of the major factors influencing the size of premium is occupation White collar workers and professionals will generally be charged lower premiums than blue collar workers due to the generally lower risk of injury This is also a major point of differentiation between the companies with some choosing to target particular occupation groups with lower premiums e g nurses or doctors There are some occupations which are not covered by any insurance companies or by only a few e g actor model pilot bicycle courier and armed forces Comparing premiums using Online Quotes can be of help in identifying the cost effectiveness of each policy as a first step in achieving the best overall package for your particular circumstances Total Disability definition is important Income Protection policies are very complex products and policy definitions can differ greatly between companies The most important definition to compare between policies is the definition of total disability Like TPD insurance the type of duties or employment you must not be able to perform will govern whether you are considered totally disabled or not Some policies define employment to be any employment including lower paid unskilled work It is important therefore that your policy will cover you if you cannot perform the duties of your regular occupation AIDS HIV cover Cover against contracting HIV or the AIDS virus is automatically

    Original URL path: http://www.lifeaustralia.com.au/insurance-types/income-protection-insurance/ (2014-01-05)
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  • Total Permanent Disability Cover – FREE quote Life Australia
    have a limited amount of money to spend on insurance you will need to weigh up whether to spend it on this form of cover TPD Own Versus Any Occupation TPD definitions do vary between companies but the differences between the two types of TPD cover can be broadly described as follows Own Occupation You will be paid if by reason of accident or injury you are unable to work ever again in your own or normal occupation Any Occupation You will be paid if by reason of accident or injury you are unable to work ever again in any occupation for which you are reasonably suited by education training or experience Own occupation definitions are generally preferable given that an injury such as loss of one hand may disable a surgeon under such a definition but under an Any occupation definition may leave him able to perform the duties of a GP and therefore not qualify for the benefit However the Own occupation definition is more expensive and may not be available for all occupations Some companies offer other home duties and modified definitions of TPD Usually only one TPD benefit payable Usually only ONE TPD benefit is ever

    Original URL path: http://www.lifeaustralia.com.au/insurance-types/total-permanent-disability/ (2014-01-05)
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  • Trauma – Critical Illness | Life Australia
    Terminal Illness Life Cover Death Benefit Total Permanent Disability Aortic Surgery Out of Hospital Cardiac Arrest Benign Brain Tumor HIV Accidental Infection Please note that a trauma policy will have a specific medical definition which has to be met before the claim is accepted You need to fully understand what these are and what they mean You don t have to die The benefit is paid when diagnosis is confirmed not when you die of the condition It provides you and your family with a lump cash sum to use when it is needed most for medical care or to pay the mortgage and other debts to relieve financial pressure Why do I need Trauma Critical Illness insurance The choice of cover depends entirely on an individual s circumstances Trauma Insurance was first introduced into Australia in 1986 If you have heavy debts and are at pre retirement age this cover may be important A Critical illness can be just as damaging to family finances as a death and more so if medical bills result from a long lasting illness Death benefit can be included Some trauma policies also include a Death benefit which will have the same pay out value as the trauma benefit In this case obviously only ONE pay out will be made either on a trauma or on death There may be savings available in buying life cover as part of a trauma package rather than as a stand alone policy Some trauma policies also cover Total and Permanent Disability TPD When packaging benefits in this way you should be aware that a claim on trauma or TPD will reduce the underlying life cover unless a buy back option is purchased Consider the Buy back option Normally only ONE trauma benefit is ever payable to an

    Original URL path: http://www.lifeaustralia.com.au/insurance-types/trauma-insurance/ (2014-01-05)
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  • Your best choice for life insurance | Life Australia
    you want to provide your family with enough cash to repay debt and help maintain their lifestyle if you were to die prematurely Total and Permanent Disablement Insurance TPD Lump sum on permanent disablement do you want to receive a lump sum to repay debt and to help maintain your lifestyle if you were to become permanently disabled Trauma Insurance Lump sum on critical illness or injury do you want to receive a lump sum payment to help maintain your lifestyle while you recover from a critical illness or injury Income Protection Replace up to 75 of your income should you be unable to work due to injury or sickness do you want to receive a regular income whilst unable to work due to sickness or injury so that you can maintain your lifestyle Do you wish to include Income Protection Cover Not Selected Yes No If YES to Income Protection please indicate your taxable income per year Your Personal Details Please answer the questions below Salutation Please select Mr Ms Mrs Miss Dr Prof Name First Last Date of Birth DD MM YYYY Gender Please select Male Female What is your occupation You may specify more than one What is your current employment status Please select Employed Not employed Home Duties Retired Self employed Are you a Smoker Non smoker Smoker State Territory of residence Please select NSW ACT Queensland Victoria South Australia Western Australia Tasmania Northern Territory Postcode of Residence Email We will forward your quote to this nominated email address Enter Email Confirm Email Mobile Phone Preferred Phone Number Please enter the characters below to validate your entry Important Information Privacy of Information The information you submit will be considered strictly private and confidential and will only be used for the purpose of providing a quote Information

    Original URL path: http://www.lifeaustralia.com.au/#gf_1 (2014-01-05)
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