1. Dover Insurance Premium Graphs
November 2016
25/02/2019
Dover (c)

2. Dover Insurance Graph ©
How to use the graph
The graphs show the annual combined premiums for:
Income Protection / Life / TPD
in each Needs Category as set out below.
Four graphs are available:
Female Smokers, Male Smokers, Female Non Smokers and Male Non Smokers
If the combined insurance premiums (without Trauma) are at or below the relevant premium curve and the adviser is on RODO then the adviser can use Fast Track and the SOA is deemed as appropriate and in the clients best interest without further investigation.
Premiums calculated from AMP Risk Simulator on 23 November 2016
25/02/2019
Dover Insurance Graph ©

3. Dover Insurance Graph ©
Female Non Smokers
ASSUMPTIONS
Needs Category
Income
Sum Insured
Very Low
$ ,000.00
$ ,000.00
Low
$ ,000.00
$ ,000.00
Average
$ ,000.00
$ ,000.00
High
$ ,000.00
$ 1,200,000.00
Very High
$ ,000.00
$ 1,500,000.00
25/02/2019
Dover Insurance Graph ©

4. Dover Insurance Graph ©
Male Non Smokers
25/02/2019
Dover Insurance Graph ©

5. Dover Insurance Graph ©
Male Smokers
ASSUMPTIONS
Needs Category
Income
Sum Insured
Very Low
$ ,000.00
$ ,000.00
Low
$ ,000.00
$ ,000.00
Average
$ ,000.00
$ ,000.00
High
$ ,000.00
$ 1,200,000.00
Very High
$ ,000.00
$ 1,500,000.00
25/02/2019
Dover Insurance Graph ©

6. Dover Insurance Graph ©
Female Smokers
ASSUMPTIONS
Needs Category
Income
Sum Insured
Very Low
$ ,000.00
$ ,000.00
Low
$ ,000.00
$ ,000.00
Average
$ ,000.00
$ ,000.00
High
$ ,000.00
$ 1,200,000.00
Very High
$ ,000.00
$ 1,500,000.00
25/02/2019
Dover Insurance Graph ©

7. Tables Annual Premiums Summary Non Smokers
MALE NON SMOKER
FEMALE NON SMOKER
AGE
Very low
Low
Average
High
Very High 25
$1,248.00
$ 1,524.00
$ ,088.00
$ ,712.00
$ 3,420.00
$ 1,380.00
$ 1,704.00
$ ,316.00
$ 3,132.00
$ 3,984.00 30
$1,236.00
$ ,064.00
$ ,688.00
$ 3,396.00
$ 1,416.00
$ 1,740.00
$ ,388.00
$ 3,216.00
$ 4,104.00 35
$1,344.00
$ 1,632.00
$ ,232.00
$ ,940.00
$ 3,720.00
$ 1,572.00
$ 1,932.00
$ ,628.00
$ 4,608.00 40
$1,656.00
$ 2,028.00
$ ,796.00
$ ,720.00
$ 4,728.00
$ 1,968.00
$ 2,448.00
$ ,372.00
$ 5,856.00 45
$2,388.00
$ 2,988.00
$ ,176.00
$ ,532.00
$ 7,056.00
$ 2,808.00
$ 3,540.00
$ ,944.00
$ 6,732.00
$ 8,580.00 50
$3,936.00
$ 5,016.00
$ ,080.00
$ ,336.00
$ 11,892.00
$ 4,512.00
$ 5,724.00
$ ,040.00
$ 10,932.00
$ 13,920.00
Annual Premiums Summary Smokers
MALE SMOKER
FEMALE SMOKER
AGE
Very low
Low
Average
High
Very High 25
$ ,668.00
$ 2,100.00
$ ,916.00
$ ,768.00
$ 4,740.00
$ 1,824.00
$ 2,316.00
$ ,180.00
$ 4,248.00
$ 5,412.00 30
$ ,704.00
$ 2,160.00
$ ,000.00
$ ,876.00
$ 4,896.00
$ 1,908.00
$ 2,400.00
$ ,324.00
$ 4,440.00
$ 5,676.00 35
$ ,980.00
$ 2,436.00
$ ,228.00
$ ,404.00
$ 5,592.00
$ 2,160.00
$ 2,700.00
$ ,744.00
$ 5,052.00
$ 6,468.00 40
$ ,580.00
$ 3,180.00
$ ,452.00
$ ,820.00
$ 7,392.00
$ 2,796.00
$ 3,480.00
$ ,848.00
$ 6,552.00
$ 8,436.00 45
$ ,900.00
$ 4,824.00
$ ,816.00
$ ,868.00
$ 11,256.00
$ 4,152.00
$ 5,196.00
$ ,296.00
$ 9,816.00
$ 12,624.00 50
$ ,744.00
$ 8,580.00
$ ,216.00
$ ,780.00
$ 19,992.00
$ 6,912.00
$ 8,868.00
$ ,588.00
$ 16,788.00
$ 21,504.00
Dover Insurance Graph ©
25/02/2019
Dover Insurance Graph ©
25/02/2019