Benefits & Discounts

All insurance companies that we deal with provide you with policies that cover certain events. In addition to this, you maybe able to achieve some further dollar discounts or enjoy additional benefits.

Discounts

There are a number of discounts available on certain policies.

Multi Policy – This is when life insurance and income protection are under the same application. This is the most common discount, as most people take advantage of packaging their insurance in this way. Discounts range from 2% to 5% of the annual premium or policy fee waiver.

Multi Life – This is where there is more than one person taking insurance – usually a family or business situation. Discounts range from 2% to 5% of the annual premium.

Large Sum Insured – Cover amounts in excess of $1 million can have additional premium discounts. You can find that $900,000 of cover for example, may be more expensive than $1 million once the large sum insured discount is applied.

Annual Payments – You can also make savings by paying annually rather than monthly. Most insurance companies charge and additional loading of up to 8% when paying monthly.

Healthy Lives – Companies are starting to reward very healthy people, by offering lifestyle discounts. This can also reduce your premium by an additional 10%.

Benefits

Here are some of the built in benefits you can receive when you have a current insurance policy with the following companies.

AIA	WeCare
	Counselling and grief support Legal and tax assistance Household assistance Funeral assistance
Asteron	Asteron Life!
	Asteron Life! is an online health and wellbeing resource to help you make those positive changes.
MLC	Best Doctors
	When you need it the most, Best Doctors gets you talking with leading medical experts from around the world.

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Benefits & Discounts	PDS	Case Studies	Business Insurance	Making a Claim