1. Trauma Cover
Personal

2. Coverage: Trauma Cover Key Facts Standard Features Optional Benefits
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Optional Benefits

3. A lump sum benefit can make a real difference in meeting the costs
A lump sum benefit can make a real difference in meeting the costs. Suffering a serious illness is devastating in any circumstances but the burden will be far greater if your financial security is also put at risk

4. Trauma Cover Stroke Cancer Heart Attack Lost of a Limb
Pays a LUMP SUM if you suffer a specified condition such as:
Stroke
Cancer
Heart Attack
Lost of a Limb

5. The policy comes with IMPORTANT benefits at NO additional
cost.
You can...
ADD one or more OPTIONAL BENEFITS for an additional premium available either in conjunction with:
Life Assurance Cover (accelerated benefit) - a claim will reduce the life cover
On its own (standalone benefit)

6. KEY FACTS
Trauma Cover

7. KEY FACTS
Age
Level of Cover
Premiums

8. KEY FACTS: Age Entry Age: 16-64 (Standalone) 69 (Accelerated)
You are covered for your life (Accelerated) or to age 70 (Standalone)

9. Standalone Accelerated
KEY FACTS: Level of Cover
Standalone
Accelerated
The maximum cover is $2 million.
The maximum cover is the level of your life insurance to a maximum of $2 million.
NOTE: You can “inflation proof” your cover by increasing it each year in line with the CPI.

10. KEY FACTS: Level of Cover
The following are not covered if they occur within 3 months of the Policy:
Myocardial Infraction (heart attack)
Coronary Artery Bypass Surgery
Heart Valve Surgery
Out of Hospital Cardiac Arrest
Angioplasty
Aorta Surgery
Cancer
Cerebrovascular Accident (Stroke)

11. KEY FACTS: Premiums
Payable fortnightly, monthly, quarterly, half yearly, or yearly.
Yearly renewable premiums are fixed for one year at a time and will normally increase in line with age.
Level term premiums are fixed for the policy.

12. STANDARD FEATURES
Trauma Cover

13. Buy this as Standalone then the cover ends with the payment of the benefit*.
If a claim is paid on an Accelerated Benefit, the claim amount will be deducted from the life of your policy.
Standard Features
If a claim is paid on a Standalone Benefit, the payment will not reduce the life cover under the policy.
*Except in the case of Angioplasty to 1 or 2 vessels or a partial payment under a diagnosis benefit.

14. Life Cover buy-back
You have the opportunity to “buy-back” the life cover amount paid, one third every year for three years, without having to provide any evidence of insurability.
After three years you will have your original level of life cover. You will pay the premiums appropriate to the level of cover.

15. Child’s Benefit
Children (by birth or legal adoption) aged between 2 & 20 years are covered for the lesser of $50,000 or 20% of the parent’s Trauma sum assured should they suffer for the first time after the cover starts one of the Trauma Conditions at NO ADDITIONAL COST.
The child must survive for the period of 14 days.
This can be converted up to 30 days before or after their 21st birthday to their own Life Assurance Cover with Trauma Accelerated Cover.

16. Financial Planning Benefit
If a benefit of at least $100,000 is paid, a further benefit of up to $2,500 may also be payable.
Reimbursement of the reasonable costs of a fully documented financial plan prepared by an Authorised Financial Adviser.

17. Stopping work to take full time physical care of a dependent relative
Future Insurability
The Trauma cover can be increased without further medical evidence on the occurrence of certain events:
Civil Union
Taking out a Mortgage
Stopping work to take full time physical care of a dependent relative
Getting Married
Having a child
Death of the Spouse, partner, or child

18. Relocation to New Zealand Benefit
This benefit will pay an economy airfare up to a total of $10,000 if you are suffering from one of the trauma conditions while living overseas for more than three months.
This can be paid once during the period of cover.

19. Standalone Conversion
The Standalone cover can be converted to Accelerated with an equal amount of life cover, before a client turns 60.

20. OPTIONAL BENEFITS
Trauma Cover

21. Optional Benefits: Trauma Cover Reinstatement Option
Business Future Insurability Option
Life Cover buy-back
Waiver of Premium Cover
Total and Permanent Disability option
Trauma Cover Reinstatement Option
Children’s Trauma Cover
Inflation Protection
Continuation Option

22. OPTIONAL BENEFITS 1. Business Future Insurability Option
Allows you to increase cover as your business changes*.
No further medical evidence will be required though financial evidence may be required.
*Conditions Apply. Not Available with Level Term or Mortgage Protection.)
2. Life Cover buy-back
Opportunity to "buy-back" the life cover amount paid after one year without any health evidence*.
*This buy back option may be available after 6 months for certain events.

23. OPTIONAL BENEFITS 3. Waiver of Premium Cover
The premiums due on the policy after the waiting period ends will be waived and premiums paid during the waiting period will be refunded.
4. Total and Permanent Disability option
Provides financial protection against total and permanent disability with a lump sum payment.

24. All of the options require payment of an additional premium.
OPTIONAL BENEFITS
5. Trauma Cover Reinstatement Option
Allows to reinstate trauma cover (standalone/accelerated) 12 months after a trauma claim (conditions apply).
6. Children’s Trauma Cover
The trauma cover can be taken out as a standalone cover up to $60,000 which includes the trauma conditions listed .
All of the options require payment of an additional premium.

25. OPTIONAL BENEFITS 8. Continuation Option 7. Inflation Protection
Allows the policy to continue with the same level of cover on a YRT basis at expiry of policy term or to take up another level term policy.
Applies to Level Term only.
7. Inflation Protection
Choose to have your policy cover increase each year by the greater of 2% or the CPI.
There will be an advise each year of the increased sum assured and the new premium.

26. Trauma Cover Conditions

27. Trauma Cover Conditions
Accidentally acquired HIV
Chronic renal (kidney) failure
Adult onset insulin dependent diabetes mellitus#
Cognitive Impairment
Coma
Alzheimer’s disease/Dementia#
Coronary artery bypass surgery*
Angioplasty*#
Creutzfeldt-Jakob disease
Aorta surgery*
Encephalitis
Aplastic anemia
Heart valve surgery*
Benign brain tumor
Intensive care
Cancer*#
Loss of independent existence
Cardiomyopathy
Loss of limbs and/or eyes#
Cerebrovascular accident (stroke)*
Loss of speech
Chronic liver failure
Major head trauma
Chronic lung disease
Major organ transplant
* Three month stand-down from commencement applies.
# A partial advance payment of the Trauma Cover can apply to these conditions. This applies to some cancers.
Refer to the Policy Wording for full definitive details and conditions.

28. Trauma Cover Conditions
Meningitis /meningococcal disease
-quadriplegia
-tetraplegia
Motor neuron disease
Multiple sclerosis#
Muscular dystrophy#
Primary pulmonary hypertension
Myocardial infarction (heart attack)*
Severe burns
Occupationally-acquired HIV
Severe osteoporosis#
Open heart surgery
Severe rheumatoid arthritis#
Out of hospital cardiac arrest*
Systemic sclerosis
Parkinson’s disease#
Total blindness
Pneumonectomy
Total deafness
Paralysis:
-diplegia
-hemiplegia
-paraplegia
* Three month stand-down from commencement applies.
# A partial advance payment of the Trauma Cover can apply to these conditions. This applies to some cancers.
Refer to the Policy Wording for full definitive details and conditions.

29. Thank you!