Income Protection

Unique feature:

• 10 Hour Plus Definition
  Your clients can work up to 10 hours per week and still receive full benefits

Plus new enhancements:

• SuperSaver Option
  Allows your clients to insure their superannuation contributions, so the contributions would continue to be made on their behalf even if they became disabled

• Needlestick Option
  Available to selected health care professionals (e.g. doctors, dentists, nurses, ambulance personnel), this option covers infection with HIV or hepatitis B or C while working in their usual occupation

Asteron Income Protector - at a glance

• Can be owned by self-managed super funds
• 10 Hours severe disability definition
• Severe and partial disability benefits
• Supersaver Option
• Pregnancy Premium Waiver Benefit
• Specific injury benefit
• Up to $10,000 overseas assist benefit
• Retraining benefit
• Return to work benefit
• Premium waiver benefit
• Up to 12 months premium and cover suspension benefit
• Loyalty rewards
• Death benefit up to six times the monthly benefit
• Elective surgery benefit
• Automatic increase benefit
• 24 hour worldwide cover
• Plus additional premium options.
• Needlestick Option
• Interim cover

Asteron Income Advantage - at a glance

• Can be owned by self-managed super funds
• Choice of 10 hours and one Duty, severe and partial disability definitions
• Severe and Partial Disability Benefits
• SuperSaver Option
• Pregnancy Premium Waiver Benefit
• Continuation of cover beyond age 65
• Specific injury benefit
• Retraining benefit
• Return to work benefit
• Premium waiver benefit
• Up to 12 months premium and cover suspension benefit
• Loyalty rewards
• Death benefit up to six times the monthly benefit
• Up to $10,000 overseas assist benefit
• Elective surgery benefit
• Automatic increase benefit
• 24 hour worldwide cover
• Plus additional premium options
• Needlestick Option
• Interim cover

This is general advice and does not take into account your objectives, financial situation or needs. Before acting on this general advice you should consider the Product Disclosure Statement and the appropriateness of the advice having regard to your situation.

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