Death benefit

Key coverage item Basic benefit
Under 50 10 x annualised premium + 1.05 times all top-ups
50 to 64 5 x annualised premium + 1.05 times all top-ups
Above 64 1 x annualised premium + 1 times all top-ups

Total and permanent disability benefit

Age at being totally and permanently disabled Basic benefit
Under 50 10 x annualised premium + 1.05 times all top-ups
50 to 64 5 x annualised premium + 1.05 times all top-ups
Above 64 1 x annualised premium + 1 times all top-ups

Accidental death benefit

Age at accidental death Basic benefit under normal activity Basic benefit under restricted activity
Under 50 20 x annualised premium + 1.05 times all top-ups 13 x annualised premium + 1.05 times all top-ups
50 to 64 10 x annualised premium + 1.05 times all top-ups 6.5 x annualised premium + 1.05 times all top-ups
Above 64 2 x annualised premium + 1 times all top-ups 1.3 x annualised premium + 1 times all top-ups

Dread disease benefit

Age at being diagnosed with a specified dread disease Basic benefit
Under 50 5 x annualised premium + 1.05 times all top-ups
50 to 64 2 x annualised premium + 1.05 times all top-ups
Above 64 1 x annualised premium + 1 times all top-ups

If you have certain medical conditions at the point of underwriting or within 90 days from your cover start date[1] or took a premium holiday, we only pay the cash-in value for any claim. If there is any partial withdrawal, the basic benefit will be adjusted by a formula as determined by Income.

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