RENEWAL
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The Income Protection Benefit may be renewed up to the anniversary of the Policy Commencement Date following the Life Assured attaining the age of sixty-five (65) or seventy (70) as per the Policy Schedule , regardless of changes in the health or occupation of the Life Assured . No Benefits shall be paid under this Policy if the injury or sickness resulting in Disability directly or indirectly was caused by or resulted from: A Intentionally self-inflicted injury whether the Life Assured is sane or insane. B Participation in any Criminal Act . C Pregnancy, childbirth, abortion or miscarriage unless the Disability lasts for more than ninety (90) days after the end of pregnancy, at which time the Waiting Period will commence. D In the case of a Policy with a Benefit Period of two (2) years, any injury, sickness, or related condition in respect of which twenty-four (24) months of Income Protection Benefits have already been paid. E In the case of a Policy with a Benefit Period of five (5) years, any injury, sickness, or related condition in respect of which sixty (60) months Income Protection Benefits have already been paid. F In the case of a Policy where the Mental Health Disorder Limitation option has been selected, any Mental Health Disorder or related Mental Health Disorders in respect of which twelve (12) months Income Protection Benefits have already been paid in total. G In the case of a Policy where the Optional Involuntary Redundancy Benefit has been selected, no Involuntary Redundancy Benefit will be paid where; 1. The Life Assured is made redundant within six (6) months following the Policy Commencement Date ; or 2. The redundancy or possible redundancy was known to the Life Assured prior to the Policy Commencement Date ; or 3. The Life Assured was on a fixed term contract of employment or an interim contract; or 4. The Life Assured is made redundant as a direct or indirect result of a strike or labour dispute; or 5. The Life Assured was self-employed, in part-time, seasonal or casual employment; or 6. The Life Assured is employed by and made involuntarily redundant by a close or lineal relation. We will pay a Childcare Support Benefit in the following circumstances:’ • The Life Assured is Disabled and is receiving a monthly Benefit , and • As a direct result of the Life Assured’s Disability , additional childcare costs are incurred over and above any childcare arrangements which existed prior to the Life Assured becoming Disabled , in respect of any dependent child who is under the age of fourteen (14); and • These additional childcare services are not being provided by You or an immediate family member.
EXCLUSIONS
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CHILD CARE SUPPORT BENEFIT
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PC-IP LOE Premier- 05/2026
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