Make insurance part of the planning strategy
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Insurance should be considered as a key element of an overall financial planning strategy. It can provide financial security and peace of mind by easing the potential financial strain in the case of death or disablement.
Your clients have the option to apply for both Group Insurance and/or OneCare Insurance through the Wealthtrac Superannuation Master Trust. These insurance options allow you to tailor the type and amount of cover to your clients’ particular needs.
The premiums for both options are deducted from your client’s superannuation account, allowing them to tax effectively package insurance within their superannuation.
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The Group Insurance offering
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- Death Only Cover (including terminal illness)
- Death & Total and Permanent Disablement (TPD) Cover
- Salary Continuance Cover
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Key features
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- Competitive premiums
- No maximum sum insured limit for death cover, a maximum sum insured limit of $3 million for TPD cover and a maximum monthly benefit of $25,000 for salary continuance cover (all subject to underwriting)
- Death cover - contains a terminal illness benefit of up to $2.5 million
- Five-part TPD definition
- CPI indexation is available on death only and/or death & TPD covers
- Short-form personal statement for applications of death only and/or death & TPD covers up to $500,000
- Salary continuance benefit periods of either two years or to age 65 and waiting periods of 30, 60 or 90 days
- Continuation options on all covers
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For more information on our underwriting solutions, go to: Group Insurance.
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The OneCare offering
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- Life Cover
- TPD Cover
- Income Secure Cover
- Extra Care Cover
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Key features
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- Competitive premiums
- No maximum sum insured limit for death cover, a maximum sum insured limit of $3 million for TPD cover and a maximum monthly benefit of $25,000 for salary continuance cover (all subject to underwriting)
- Death cover - contains a terminal illness benefit of up to $2.5 million
- Five-part TPD definition
- CPI indexation is available on death only and/or death & TPD covers
- Short-form personal statement for applications of death only and/or death & TPD covers up to $350,000
- Salary continuance benefit periods of either two years or to age 65 and waiting periods of 30, 60 or 90 days
- Continuation options on all covers.
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For more information, go to: OneCare Insurance.
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