Income Protector & Income Advantage

Did you know?

Being healthy day in and day out, year after year of your working life is a pretty tall order. And like most of us you probably succum to the odd day off now and again for minor ailments.

But what if a more severe sickness or injury prevented your from earning an income for a longer period of time - weeks, months or even years?

How would you keep up your mortgage payments, school fees, running the car, credit cards, everyday living expenses such as food, clothing, phone bills, gas, electricity and child care. Not to mention medical expenses that your health fund simply doesn't cover.

Which is why we would like you to take a moment to consider Asteron's Income Protector and Income Advantage policies.

Income Protector and Income Advantage are designed to pay a benefit if an insured event occurs, for example, you are severely disabled due to sickness or injury.

Also, if you die while this policy is in force, we currently offer a Grief Support Service to assist your immediate family members to come to terms with their reaction to grief which arises from your death.

Income Protector and Income Advantage provide you with worldwide, 24 hour a day cover.

There are important differences between Income Protector and Income Advantage. The following is a summary of the benefits and options available.

For full details of the Income Protector and Income Advantage policies and to find out how you can apply, please refer to the current Asteron Life Insurance Product Disclosure Statement or contact a financial adviser

	Income Protector	Income Advantage
Severely Disabled Benefit	10 Hours definition	Choice at application of 10 Hours or 1 Duty Definition
Partially Disabled Benefit	Continuously severely disabled for at least 7 consecutive days during the waiting period
Recurring Disability
Payments whilst Overseas	Limited to 3 months whilst you remain overseas
Overseas Assist Benefit
Elective Surgery Benefit
Premium and Cover Suspension Benefit
Automatic Increase Benefit
Premium Waiver Benefit	Your premium will be waived whilst receiving payments from us
Retraining Benefit
Return to Work Benefit
Continuation of Cover beyond age 65		Subject to acceptance if we classify your occupation as AA
Specific Injury Benefit
Death Benefit
Guarantee Of Upgrade
Indemnity Option^
Extras Package*
- Accomodation Benefit*
- Bed Confinement Benefit*
- Crisis Benefit*
- Family Assist Benefit*
- Transportation Benefit*
- Unemployment Benefit*
Accidental Injury Option*
Accidental Injury Plus Option*
Increasing Claim Option*
Booster Option*
Interim Cover
Stepped and Level Premium Options
Cooling Off Period

^ discount applies
* additional premium applies

Income Protector (681KB) Income Protector at a glance, plus explanations of the benefits and a case study.		Income Advantage (557KB) Income Advantage at a glance, plus explanations of the benefits and a case study.		Grief Support Service (332 KB) This service can help the life insured and their immediate family members come to terms with their reaction to grief.

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