Total Care Plan

CommInsure

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Total Care Plan (TCP) is now closed to new business (except continuation options and replacements). Existing customers can still increase, decrease, add options and obtain replacement policies, for death, terminal illness, accidental death, total and permanent disability (TPD) and trauma (critical illness). They will also continue to receive product improvements to ensure they provide ongoing valuable, contemporary protection.

Life Care

CommInsure Protection is now closed to new business (except continuation options and replacements). Existing customers can still increase, decrease, add options and obtain replacement policies. They will also continue to receive product improvements to ensure they provide ongoing valuable, contemporary protection. Life Care provides a lump sum payment in the event of terminal illness (as defined in the PDS) or death. The lump sum paid is the amount for which your client is insured.

On death, we provide an advance payment benefit in some circumstances to help cover funeral expenses.

Accidental Death Cover option is also available which pays a lump sum if your client dies due to an accident.

You should consider Life Care if your client:

  • Has dependants
  • Has a mortgage or other debts.

Total and Permanent Disability (TPD) Cover

CommInsure Protection is now closed to new business (except continuation options and replacements). Existing customers can still increase, decrease, add options and obtain replacement policies. They will also continue to receive product improvements to ensure they provide ongoing valuable, contemporary protection. Total and Permanent Disability (TPD) Cover pays a lump sum of up to $5 million if your client is totally and permanently disabled as defined in the PDS.  Also a part payment of the TPD Cover benefit is paid if you're partially and permanently disabled as defined in the PDS (for total care plan only).

You should consider TPD Cover if your client:

  • Has dependants
  • Has a mortgage or other debts
  • Has no savings to cover unexpected expenses
  • Would need money to live if they couldn't work again
  • Has a business, is self-employed or is a company director/key person.

Trauma Cover

CommInsure Protection is now closed to new business (except replacements). Existing customers can still increase, decrease, add options and obtain replacement policies. They will also continue to receive product improvements to ensure they provide ongoing valuable, contemporary protection. Trauma Cover provides a lump sum of up to $2 million if your client suffers from a specified medical condition as defined in the PDS, regardless of whether or not they are prevented from working or not.

You should consider Trauma Cover if your client:

  • Has dependants
  • Has a mortgage or other debts
  • Has no savings to cover unexpected expenses
  • Has a business, is self-employed or is a company director/key person.

Child Cover

CommInsure Protection is now closed to new business (except continuation options and replacements). Existing customers can still increase, decrease, add options and obtain replacement policies or exercise Child Continuation options. They will also continue to receive product improvements to ensure they provide ongoing valuable, contemporary protection. Child Cover pays out a lump sum of up to $250,000 if your client's child were to suffer from a specified medical condition.

You should consider Child Cover if your client:

  • Has dependants
  • Would need the money to live if they had to take time off work.

 

 

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