AIA Real TPD Personal Policy Wording

PC-TPD-05/2026

Personal Cover - Total and Permanent Disability

SECTION A - DEFINED TERMS

DEFINED TERMS

In this Policy certain words have particular meanings. These words are in Bold and the meanings set out below. Interpretation Throughout this Policy ‘ We ’, ‘ Our ’, ‘ Us ’ or ‘ AIA New Zealand ’ means AIA International Limited - New Zealand Branch, and/or any related and/or authorised companies and/or agents (including company officers acting in the scope of their authority). ‘ You ’ or ‘ Your ’ means the Policy Owner(s) . Accelerated Benefit Means the Trauma Cover or Total and Permanent Disability Cover taken out on an accelerated basis with Life Cover as set out in Your Policy Schedule . Payment of this Benefit will lead to a proportional reduction in the amount of the Life Cover as appropriate.

Adoption Means Adoption as defined in the Adoption Act 1955.

Benefit(s) Means the Benefit specified in the Policy Schedule (and subject to the terms and conditions of this Policy ). Civil Union Means a Civil Union as defined in the Civil Union Act 2004. Consumer Price Index Increase Means any increase in the index published by the Statistics Department of New Zealand for "All Groups" as at 30 September each year (or the nearest equivalent index should this index be replaced). Close Relative Means a relative who is the Life Assured's spouse, Civil Union or de facto partner, mother, father, step mother, step father, brother, sister, step brother, step sister, child, grandfather or grandmother. Diagnosis & Diagnosed Means the first definitive Diagnosis made in writing by a Medical Practitioner , based upon such specific evidence or, in the absence of such specific evidence, based upon radiological, clinical, histological or laboratory evidence acceptable to Us . In the event of any doubt regarding the appropriateness or correctness of the Diagnosis , We shall have the right to call for an examination at Our expense, of either the Life Assured or the evidence used in arriving at such Diagnosis , by an independent acknowledged expert in the field of medicine concerned, selected by Us and the opinion of such expert as to such Diagnosis shall be binding on You , the Life Assured and Us . Full-Time Care Means having primary responsibility and actively undertaking, whether shared or alone, the day-to-day care of persons who cannot safely take care of themselves without supervision. Life Assured Means the person or people insured for the Benefit(s) as listed in Your Policy Schedule . Manifested Means that symptoms have arisen which cause an ordinarily prudent person to seek Diagnosis , care or treatment, or that medical advice or treatment has been recommended by or received from a Medical Practitioner .

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Marriage Means a Marriage as defined in the Marriage Act 1955.

Medical Practitioner Means any person approved by Us and registered with the Medical Council of New Zealand to render medical or surgical services, who holds an Annual Practising Certificate. For a Diagnosis made outside New Zealand, this definition covers any appropriately qualified medical professional approved by Us . This definition excludes any person who is himself/herself the Life Assured , the Policy Owner , the spouse, de facto spouse, Civil Union partner, lineal relative, or business partner/associate of the Life Assured or Policy Owner . Policy Means this contract of insurance between You and Us . It includes the following parts: • Your application for insurance; and • this Policy wording; and • the Policy Schedule ; and • any addendum to the Policy Schedule ; and • any other written notice that We give You ; and • any written notice that You give Us . Policy Anniversary Date Means the anniversary of the Policy Commencement Date . Policy Commencement Date Means the commencement date of the Policy as specified in Your Policy Schedule . Policy Owner Means the Policy Owner identified in the most recent Policy Schedule issued to You by Us . Policy Schedule Means the most recent Policy Schedule issued to You by Us , including any endorsements or special conditions. Policy Year Means the twelve (12) month period which starts from the Policy Commencement Date and ends on the First Anniversary Date . Each subsequent Policy Year is from Policy Anniversary Date to Policy Anniversary Date . Premium Means the Premium specified in Your Policy Schedule or in any subsequent notice issued to You by Us . Premium Guarantee Period Means the period of time specified in Your Policy Schedule during which the Premium Rates applicable to Your Policy are guaranteed not to increase. Assuming Your cover doesn’t change, Your Premiums will remain the same for each renewal period as specified in Your Policy Schedule . Premium Rates Means the underlying Premium Rates We use to calculate Your Premium based on factors including the age, health, occupation and circumstances of the Life Assured . Sum Assured Means the Sum Assured for the Benefit(s) as set out in Your Policy Schedule . Total Premium Means the sum of the Premium and policy fee together with any applicable GST as specified in Your Policy Schedule .

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SECTION B - TOTAL AND PERMANENT DISABILITY BENEFIT FEATURES

JURISDICTION AND CURRENCY

The laws of New Zealand apply to this Policy . The New Zealand courts have exclusive jurisdiction. All monetary amounts referred to in this Policy are expressed and payable in New Zealand dollars and include GST. When You apply for insurance with AIA New Zealand and when You make a claim on the Policy , You have a legal duty of disclosure to AIA New Zealand . The duty of disclosure means that: 1. All the statements that You or any Life Assured make to AIA New Zealand (both written and oral), including the answers in: a. the application; b. any claim made by You ; and c. any other communication by You or any Life Assured with AIA New Zealand ; must be complete, true and correct. 2. You and any Life Assured must disclose everything that You or any Life Assured know, or could reasonably be expected to know, that is relevant to AIA New Zealand’s decision whether: a. to accept Your application for insurance, on what terms AIA New Zealand will accept it and how much it will cost; or b. to accept Your claim on the Policy . 3. This duty of disclosure in relation to Your application for insurance continues from the time You complete the application until either: a. the Policy Commencement Date or the date AIA New Zealand accepts Your application for insurance, whichever is later; or b. AIA New Zealand declines Your application for insurance. 4. You and any Life Assured also have the same duty of disclosure to AIA New Zealand throughout the term of the Policy whenever You or any Life Assured communicate with AIA New Zealand and whenever You extend, vary or reinstate Your insurance.

RESPONSIBILITY FOR TRUTHFULNESS

IMPORTANT If You or any Life Assured do not comply with Your duty of disclosure, AIA New Zealand may at its discretion do any or all of the following: 1. Decline any claim that You make; 2. Alter the terms of any Benefits under the Policy ; 3. Remove any Benefits under the Policy ; 4. Void Your Policy from the Policy Commencement Date ; 5. Retain all Premiums , policy fees and recover any Benefits paid; 6. Terminate this Policy . If You are not sure whether You are required to disclose a particular fact, please ask AIA New Zealand or Your insurance adviser . B If the age of the Life Assured was misstated in the application, the amount payable under this Policy will be adjusted to the amount that the Premiums would have purchased if the correct age had been disclosed.

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PREMIUM RATES

No increase in Premium Rates will apply to this Policy as a result of change in the health, occupation or circumstances of the Life Assured . However, We have the right to review at any time and from time to time the Premium Rates and handling fees applicable to all Total and Permanent Disability policies and to apply the reviewed rates and fees to this Policy at the commencement of the next Premium Guarantee Period . With Our agreement, the annual Total Premium may be paid by equal fortnightly, monthly, quarterly or half-yearly instalments but with such handling fees as We shall determine from time to time. We may cancel this arrangement at any time in respect of future Total Premiums . You may apply to Us to change the Premium or Benefits attributable to this Policy . Subsequent to this, We may change the Premium and/or alter any Benefits under this Policy in accordance with this instruction. We will charge You a policy fee, which forms part of Your Total Premium . The policy fee is used to pay the ongoing administration costs of this Policy . The policy fee is specified in Your Policy Schedule . We may change this policy fee from time to time. If this occurs any such change will be notified to You in writing. The term of this Policy and the period of assurance covered by each annual Total Premium , or instalment of annual Total Premium , terminate on the due date of the next annual Total Premium or instalment. A thirty (30) day grace period is allowed after the due date for payment of each Total Premium . This Policy will automatically terminate if the Total Premium is not paid before the expiration of the grace period. In such an instance this Policy can be reinstated subject to: • Our consent; and • such evidence of continued good health of the Life Assured • as We may require; and • the payment of all Total Premiums in arrears together with such interest thereon as We may decide. We may vary Your Benefits , charge additional Premiums or not allow You to reinstate the Policy if the health, occupation, financial position or pastimes of the Life Assured have changed. A The anniversary of the Policy Commencement Date following the Life Assured attaining age sixty-five (65) or age seventy (70) depending on the age specified in the Policy Schedule . B Payment of the Total and Permanent Disability Benefit . C Written notification of cancellation from You to Us at any time. D Non-payment of Total Premium as set out in Clause 6 “Period of Assurance” above. E Death of the Life Assured . Unless previously terminated, this Policy shall terminate on the earliest of:

PREMIUM PAYMENTS

POLICY FEE

PERIOD OF ASSURANCE

TERMINATION

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CLAIMS

Written notice of a claim must be given to Us within ninety (90) days after becoming eligible in accordance with the definitions of Total and Permanent Disability under Section D “Total and Permanent Disability Benefit Definitions”. Written proof of a Total and Permanent Disability claim must be furnished to Us within ninety (90) days after becoming eligible in accordance with the definitions of Total and Permanent Disability under Section D “Total and Permanent Disability Benefit Definitions”. Any expense incurred in providing due proof of a claim shall be borne by the Life Assured . We have the right and opportunity to call for an examination of the Life Assured at Our expense when and as often as We may reasonably require during the assessment of a claim. If this Policy is avoided or is terminated under any of the terms and conditions of this Policy , all Total Premiums paid shall be absolutely forfeited to Us . Cover under this Policy applies twenty-four (24) hours a day, anywhere in the world. If You are overseas during the period of a claim, Benefits will be paid in New Zealand currency. This Policy is the entire contract of insurance between You and AIA New Zealand . It comprises the following parts: • Your application for insurance; and • this Policy wording; and • the Policy Schedule ; and • any other written notice that AIA New Zealand gives You ; and • any written notice that You give Us . In the event of any changes in taxation after the Policy Commencement Date which affects the Benefits or Our liability, We may make such amendments or modifications to the Premium and Benefits and this Policy as We consider appropriate. If there is more than one (1) Life Assured shown in the Policy Schedule , We will pay the Total and Permanent Disability Benefit for each Life Assured . The amount of the Benefit payable on the Total and Permanent Disability of a Life Assured will be the Sum Assured for that person. This Benefit will end when all Lives Assured have suffered a Total and Permanent Disability , and to the extent a Total and Permanent Disability Benefit is payable in respect to each of them, that Benefit has been paid.

PROOF OF DISABLEMENT

FORFEITURE OF PREMIUMS

WORLDWIDE COVER

ENTIRE CONTRACT 12

TAX CHANGES

TOTAL AND PERMANENT DISABILITY BENEFIT PAYABLE WHERE MORE THAN ONE (1) LIFE ASSURED

GENERAL

15 A

This Policy does not participate in bonus distributions or acquire a cash surrender, loan or maturity value.

B Where this Policy refers to an Act of Parliament, this includes any Regulations made under it. It also includes any Act or Regulations enacted in substitution. C Your life insurance Policy is part of the AIA New Zealand Statutory Fund, effective 1 September 2013. This is a requirement under the Insurance (Prudential Supervision) Act 2010, for policyholder protection.

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To enable You to consider the Policy in detail You will have a free look period of fourteen (14) days after You receive Your Policy document. During this period, if You decide that the Policy does not suit Your needs then You may return it to Us and receive a full refund of all Total Premiums paid and the Policy will be cancelled. Should You write to Us about this Policy , You must send the letter to Our head office in New Zealand as notified by Us to You from time to time. The postal address of AIA New Zealand’s head office is: AIA New Zealand Private Bag 300981 Albany AUCKLAND 0752 The street address of AIA New Zealand’s head office is: AIA New Zealand Level 15 5-7 Byron Avenue Takapuna AUCKLAND 0622

FREE LOOK PERIOD

NOTICES

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SECTION C - TOTAL AND PERMANENT DISABILITY BENEFITS

If the Life Assured suffers a Total and Permanent Disability (as defined below in Section D “Total and Permanent Disability Benefit Definitions”) while this Policy is in force, We will pay You the Total and Permanent Disability Benefit shown on the Policy Schedule provided: A The Total and Permanent Disability Benefit Total Premium has been paid. B The Benefit waiting period shown on the Policy Schedule has elapsed. If the Policy Schedule shows You have selected a one (1) or five (5) year Benefit waiting period and if the Life Assured suffers a Total and Permanent Disability (as defined below in Section D “Total and Permanent Disability Benefit Definitions”) while this Policy is in force, We will pay You the Total and Permanent Disability Benefit shown on the Policy Schedule as set out below: 1 . 10% of the Sum Assured or a maximum amount of $10,000 (whichever is the lesser). The Sum Assured will then decrease by the amount paid. 2 . The remaining Sum Assured will be paid after the nominated deferrable benefit option wait period, as shown in the Policy Schedule , if the Life Assured continues to suffer a Total and Permanent Disability (as defined below in Section D “Total and Permanent

BENEFIT

Disability Benefit Definitions”) while this Policy is in force provided the Total and Permanent Disability Benefit Total Premium has been paid.

PREMIUM

The annual Total Premium (or instalment) is payable for the entire duration of the Benefit .

If the Policy Schedule shows You have selected a Level Premium option for the first three (3) years from the Policy Commencement Date , We will guarantee not to increase Your Premium Rates . After the three (3) year Premium Guarantee Period ends, Your Policy may be subject to any increase in AIA New Zealand’s underlying Premium Rates . At the end of the selected Level Premium period the Premium will be recalculated based on the age of the Life Assured . Subsequent Level Premiums will be recalculated at each Policy Anniversary Date based on the age of the Life Assured .

If the Policy Schedul e shows that you have selected a one (1) Year Premium Step option, Your Total and Permanent Disability Benefit Premium specified in the Policy Schedule will be recalculated at the expiration of the initial and subsequent Premium Guarantee Periods , based on the age next birthday of the Life Assured .

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If the Policy Schedule shows You have selected the Inflation Adjusted Benefit option, the Total and Permanent Disability Benefit will increase on each anniversary of the Policy Commencement Date by an amount equal to the Consumer Price Index Increase for the year ended 30 September for which figures are available at the date the Sum Assured is to be increased. You may decline any Consumer Price Index Increase . This option expires upon termination of the Policy in accordance with Clause 7 “Termination”, Section B above. If the Policy Schedule shows that You have selected the Level Benefit option, the Total and Permanent Disability Benefit will remain at the amount specified on the Policy Schedule . If the Policy Schedule shows that You have selected the Level Indexed Benefit option, the Total and Permanent Disability Benefit will increase on each anniversary of the Policy Commencement Date by the percentage amount shown on the Policy Schedule . This option expires upon termination of the Policy in accordance with Clause 7 “Termination”, Section B above. The Total and Permanent Disability Benefit may be renewed up to the anniversary of the Policy Commencement Date following the Life Assured attaining age sixty-five (65) or age seventy (70) depending on the age specified in the Policy Schedule . If the Policy Schedule shows that You have selected a Standalone Benefit , this Benefit will be cancelled when We make payment of the Total and Permanent Disability Benefit . If the Policy Schedule shows that you have selected an Accelerated Benefit Your , Life Cover Benefit will be reduced by the amount of the Accelerated Benefit paid. Any other Accelerated Benefit on Your Policy Schedule will be reduced to the new Life Cover Benefit . If, as a result of the payment of the Accelerated Benefit , the Life Cover Benefit is reduced to nil the Life Cover Benefit and any remaining Accelerated Benefits on Your Policy Schedule will be terminated. If the Policy Schedule shows that You have selected the Buyback Life Cover option, on the anniversary of the payment of a Total and Permanent Disability claim, You may effect Life Cover with Us under a policy or policies, without needing to provide evidence of health of the Life Assured , for a sum not exceeding the claim amount paid under the Total and Permanent Disability Benefit . The Life Cover will be based on the age of the Life Assured and Our Premium Rates at the time, and will be subject to any loadings or restrictions (if any) which apply to this Policy . The Life Cover will not be eligible for the Inflation Adjusted Benefit option , Special Events Increase option or the Level Indexed Benefit Option.

INFLATION ADJUSTED BENEFIT OPTION

LEVEL BENEFIT OPTION

LEVEL INDEXED BENEFIT OPTION

RENEWAL

PAYMENT OF STANDALONE BENEFIT

PAYMENT OF ACCELERATED BENEFIT

BUYBACK LIFE COVER OPTION

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The option must be exercised within sixty (60) days of the anniversary of the payment of the Total and Permanent Disability claim, failing which, the option to effect such covers on that anniversary shall lapse. In order to exercise this option, the Policy Owner(s) must make the request in writing to Us . We will pay a Partial Disability Benefit if the Life Assured is Partially Disabled (as defined in Clause 2 under Section D below). The amount payable will be the lesser of 25% of the Sum Assured or $100,000. When a payment is made under this Partial Disability Benefit the Sum Assured will be reduced by an equal amount. You may at any time prior to the Life Assured reaching age sixty-five (65) increase the Sum Assured for the Total and Permanent Disability Benefit under this Policy on the occurrence of any of the Special Events (A-J) listed below without further evidence of health. Requests for increases must be made within twelve (12) months of a Special Event except where the request relates to a mortgage covering a residential investment property which must be made within ninety (90) days of taking out the Mortgage . You can make more than one Special Events increase during each Policy Year . You may increase the Sum Assured more than once in respect of each Special Event (A-J) listed below during the term of the Policy . Evidence will need to be provided as specified below, together with any further evidence that We may request. A Special Events increase is NOT available if the Life Assured a. Has been accepted under the Trauma or Total and Permanent Disability Cover Benefit on special terms and/or with additional exclusions and/or with a Premium loading; and/or

PARTIAL DISABILITY BENEFIT

SPECIAL EVENTS INCREASE

Has made a claim or is eligible to claim under any Total and Permanent Disability Cover , Trauma Cover and/or Life Cover Policy with AIA New Zealand . For the sake of clarity this includes any claim currently under assessment.

The increase in respect of each Special Event is up to of 50% of the original Sum Assured up to a maximum of $300,000. The minimum increase in respect of each Special Event is 10% of the original Sum Assured . The Premium for the increased cover will be based on the age of the Life Assured and Our Premium Rates at the time the option is exercised. In the event of the increase being for a salary increase for the Life Assured , the amount of increase will be restricted to the lesser of: 1. $300,000; or 2. 50% of the original Sum Assured ; or 3. Five (5) times the increase in wage or salary on an annualised basis.

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In the event of the increase being for a mortgage, the amount of increase will be restricted to the lesser of: 1. $300,000; or 2. 50% of the original Sum Assured ; or 3. The mortgage amount or increase in mortgage amount. The total increase in the Sum Assured in respect of the aggregate of all Special Events is limited to $600,000 across all policies for each Life Assured .

Special Events

A MARRIAGE or CIVIL UNION of the Life Assured A copy of the Marriage Certificate or Copy of Particulars of Civil Union must be provided to Us confirming the date of Marriage or Civil Union . B DIVORCE or LEGAL SEPARATION of the Life Assured A copy of the Dissolution Order or Separation Order must be provided to Us confirming the date of the Divorce or Legal Separation . C BIRTH of a child of the Life Assured A copy of the Birth Certificate showing the relationship to the Life Assured must be provided to Us . D ADOPTION by the Life Assured A copy of the Adoption papers showing the relationship to the Life Assured must be provided to Us . E SALARY INCREASE for the Life Assured Evidence of the increase in wage or salary of the Life Assured must be provided in a form that is acceptable to Us . This option is not available if the Life Assured is a controlling director, self- employed or if the Life Assured can control their level of wage or salary. F TAKING FULL-TIME CARE OF A DEPENDANT of the Life Assured The Life Assured becoming responsible for the Full-Time Care of a relative who is the mother, father, brother, sister, son, daughter, grandfather or grandmother of the Life Assured . Evidence must be provided that is acceptable to Us . G TERTIARY EDUCATION of a child of the Life Assured The commencement of a first course of full-time tertiary education by a child of the Life Assured . The course must commence within three (3) years of the child leaving secondary education, and must be of at least twelve (12) months duration. The course must directly lead to a qualification that is approved by the New Zealand Ministry of Education, and must take place at a tertiary education institution approved by the New Zealand Ministry of Education within New Zealand. Supporting evidence must be provided that is acceptable to Us . H

MORTGAGE The taking out or increasing of a mortgage for the purchase of, or making extensions to, a residential property or residential investment property, a vacation home, or bare block of land zoned as residential to be owned by the Life Assured , or child of the Life Assured where the Life Assured is acting as a guarantor for the mortgage. A copy of the appropriate mortgage documentation must be provided to Us . CHILD OF THE LIFE ASSURED STARTING SECONDARY EDUCATION The commencement of secondary school for the first time by a child of the Life Assured . A copy of the child’s birth certificate and enrolment form must be provided to Us .

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DEATH OF SPOUSE OR PARTNER Death of spouse or partner of the Life Assured , as defined in the Property (Relationships) Act 1976 . A copy of the death certificate for the Life Assured’s spouse or partner must be provided to Us . We will pay You a Funeral Benefit of $15,000 if the Life Assured dies during the term of this Policy and no Total and Permanent Disability Benefit is payable. Payment shall not be made if the death was a result of suicide whether the Life Assured was sane or insane, within thirteen (13) months from the Policy Commencement Date or date of the last reinstatement or increase (other than Consumer Price Index Increases ) of this Policy . A Funeral Benefit shall not be made if the Policy Schedule shows that you have selected an Accelerated Benefit . Upon receiving written notification acceptable to Us an additional Assistance Benefit of $7,500 may be payable to cover costs of purchasing specialist equipment or completing home alterations which are necessary as a result of a Total and Permanent Disability Benefit being payable. AIA New Zealand shall be entitled to arrange for an appropriately qualified health professional to assess any recommendation for specialist equipment or home alteration. If We make future enhancements to Our Policy wordings We will pass back the enhanced benefit, feature and/or condition automatically to You . The enhanced benefit, feature and/or condition will only apply to claimable events which occur after the date We pass back the enhanced benefit, feature and/or condition to You . Any underwriting exclusion or special terms that apply to this Policy will not be altered by any enhanced benefit, feature and/or condition. This Benefit is to ensure that You will not be disadvantaged as a result of the enhanced benefit, feature and/or condition. If You are inadvertently disadvantaged in anyway then the previous Policy wording will apply. You can apply for a Suspension of Premium Benefit for a period of up to twelve (12) months. The request must be made in writing by You to Us and accepted by Us . At the end of Your requested suspension period, cover will recommence and Premium payments must resume. Valid reasons for the Suspension of Premium Benefit are listed below:

FUNERAL BENEFIT 12

ASSISTANCE BENEFIT

GUARANTEED PASS BACK OF BENEFIT ENHANCEMENTS

SUSPENSION OF PREMIUM BENEFIT

• Employer approved leave without pay; • Overseas travel; • Employer approved parental leave; • Tertiary Education; • Unemployment or Redundancy;

• Reduction in pay of at least 20% (comparing the most recent payslip against a previous payslip from the same year); • If self-employed, reduction in revenue of at least 30% (by comparing one month’s revenue against the same month for the previous year); or • Any other event We agree to, at Our sole discretion.

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Whilst this Benefit is in force no claim is payable by Us to You under this Policy . When Premium payments resume, no claim will be considered in respect of any claim event that first meets the criteria for an eligible claim during the period of Premium suspension. We will, at Our discretion, waive the requirement for the Life Assured to be absent from his or her pre-disability employment for three (3) consecutive months when assessing a Total and Permanent Disability Benefit claim if: A The Life Assured in Our sole opinion has met all other requirements for payment of a Total and Permanent Disability Benefit ; and B We expect the Life Assured to survive beyond three months after the Life Assured ceased work as a result of the disease, illness or injury. In exercising this discretion, We will consider if the disease, illness, or injury of the Life Assured enables an assessment to be made immediately in respect of whether the Life Assured has met all other requirements for the payment of the Total and Permanent Disability Benefit . Upon payment of a full Total and Permanent Disability Benefit , We will pay an additional lump sum of $1,000 to the Policy Owner for the purposes of seeking financial planning and/or legal advice. Only one (1) Financial Planning and Legal Benefit payment per Life Assured will be made regardless of the number of additional Policies held with Us . You may at any time prior to the Life Assured reaching age sixty (60): A Convert all or part of the Total and Permanent Disability Cover Benefit from the Premium specified in Your Policy Schedule to a Level Premium structure. The Total and Permanent Disability Cover Benefit under this Policy will be reduced by the amount of insurance so converted; or B Convert a Level Premium term to a further Level Premium term, of which duration may be the same or less than current Level Premium term. We will not require You or the Life Assured to produce further medical evidence at the time of conversion. The terms and conditions of the new Policy will be those which are then offered by Us to the general public. Premiums will be calculated on the current age of the Life Assured . Any Premium loading(s) and/or exclusion(s) that applied under Your Total and Permanent Disability Cover Benefit will apply to Your new Total and Permanent Disability Cover Benefit . The Counselling Benefit covers the cost of a Psychiatrist or Psychologist consultation and/or counselling for the Life Assured and/or a Close Relative of the Life Assured where the support treatments and/or consultations directly relate to a claim under the Total and Permanent Disability Benefit . After referral by a Medical Practitioner we will reimburse up to $2,500 including GST (in total) per Life Assured , subject to the following conditions: • The consultation and/or counselling must be paid for within twelve (12) months following Us paying the Total and Permanent Disability Benefit claim; and

WAIVER OF THREE (3) MONTH ABSENCE FROM EMPLOYMENT

FINANCIAL PLANNING AND LEGAL BENEFIT

CONVERSION OPTION

COUNSELLING BENEFIT

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• We must be provided with a receipt for the consultation and/or counselling You are claiming.

Only one (1) Counselling Benefit payment per Life Assured will be made regardless of the number of additional Policies held with Us . This is in addition to the Sum Assured . The Total and Permanent Disability Benefit will not be paid if the Total and Permanent Disability directly or indirectly was caused by or resulted from self-inflicted injury, whether the Life Assured is sane or insane.

EXCLUSIONS

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SECTION D - TOTAL AND PERMANENT DISABILITY BENEFIT DEFINITIONS

TOTAL AND PERMANENT DISABILITY UP TO AND INCLUDING AGE 65 FOR SUMS ASSURED UP TO $3,000,000 MEANS

If the Policy Schedule shows You have selected the “any occupation” option the definition is: The Life Assured being absent from his or her immediate pre- disability Employment as a result of injury or illness for a period of three (3) consecutive months and is so disabled that in Our opinion, after consideration of medical evidence satisfactory to Us , he or she is unlikely ever to engage in work in any occupation for reward that he or she is reasonably qualified by education, training or experience which would remunerate at a rate greater than 25% of his or her earnings over the last twelve (12) consecutive months period of employment.

If the Policy Schedule shows you have selected the “own occupation” option the definition is: - The Life Assured being absent from his or her immediate pre- disability Employment as a result of injury or illness for a period of three (3) consecutive months and is so disabled that in Our opinion, after consideration of medical evidence satisfactory to Us , is unlikely to ever resume work in or ever attend to his or her Usual Occupation .

The Life Assured being totally and irreversibly unable to perform at least two (2) of the five (5) Activities of Daily Living (as defined below) as a result of a disease, illness or injury, without the standby assistance of another person.

Activities Of Daily Living

i) BATHING - The inability to wash oneself either in the bath or shower or by a sponge bath. The Life Assured will be considered to be able to bathe even if the above tasks can only be performed by using equipment or adaptive devices. ii) DRESSING - The inability to put on and take off all garments and medically necessary braces or artificial limbs usually worn, and to fasten and unfasten them. The Life Assured will be considered able to dress even if the above tasks can only be performed by using modified clothing or adaptive devices such as tape fasteners or zipper pulls. iii) TOILETING - The inability to get to and from and on and off the toilet, to maintain a reasonable level of personal hygiene, and to care for clothing. The Life Assured will be considered able to toilet even if it involves the use and ability to empty a colostomy bag, and/or catheter, or an alternative means of bowel or urine elimination device, or use a commode, bedpan or urinal, and able to empty and clean it without the standby assistance of another person. iv) MOBILITY - The inability to move from place to place. The Life Assured will be considered able to move even if it requires the use of equipment including but not limited to canes, quad canes, walkers, crutches, wheelchairs, including mechanical or motorised devices. v) EATING - The inability to get nourishment into the body by any means once it has been prepared and made available.

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COGNITIVE IMPAIRMENT The permanent loss of cognitive function due to a permanent, irreversible injury or illness of the brain including at least two (2) or more of the following permanent impairments: • disorientation in time and place • Mini-mental score of less than twenty (20) out of thirty (30) or equivalent test • requires assistance with two (2) or more Activities of Daily Living defined above.

The entire and irrecoverable loss of the sight of both eyes.

The complete, total and irrecoverable functional loss, as supported by medical evidence, of: • both hands; or • both feet; or • one hand and one foot.

G Where the Life Assured’s sole and fulltime occupation or work, whether paid or not, is the ‘Normal Domestic Duties’ of his/her own household/residence, the Life Assured , solely as a result of injury or illness: a. being unable to:

1. perform Normal Domestic Duties; and 2. leave home unaided; and 3. engage in any form of employment;

for an uninterrupted period of at least three (3) consecutive months during which time the Life Assured must have been attending a Medical Practitioner and have undergone all reasonable and usual treatment including rehabilitation for the injury or illness;

AND

b .

In Our opinion, at the end of the period of three (3) months, (after consideration of all the medical evidence and such other evidence as We may require) the Life Assured has become incapacitated to such an extent as to render him/her likely to require ongoing medical care and being totally and irreversibly unable to ever again:

1. perform Normal Domestic Duties , leave home unaided and engage in any form of employment; or 2. perform at least two (2) of the five (5) Activities of Daily Living listed above. ‘Normal Domestic Duties’ means engaging in, completing and having the sole responsibility for, four (4) of the following activities for the household/residence: • Cleaning the house/residence • Shopping for food and household items • Meal preparation • Laundry services • Caring for a child or dependant (if applicable).

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Means the Life Assured has suffered:

PARTIAL DISABILITY

A The entire and irrecoverable loss of the sight in one (1) eye; or

B The complete and permanent loss of use of one (1) limb (limb being whole hand or whole foot).

The Partial Disability must be supported by an appropriate Diagnosis from a Medical Practitioner and evidence acceptable to Us . The occupation, business or Employment which the Life Assured was engaged in immediately before the injury or illness, and from which he or she was remunerated. The Mini-mental (MMSE) is a brief, quantitative measure of cognitive status in adults. It can be used to screen for cognitive impairment, to estimate the severity of cognitive impairment at a given point in time, to follow the course of cognitive changes in an individual over time, and to document an individual’s response to treatment. The Life Assured being totally and irreversibly unable to perform at least two (2) of the five (5) Activities of Daily Living (as defined below) as a result of a disease, illness or injury, without the standby assistance of another person.

EMPLOYMENT AND/OR USUAL OCCUPATION

MINI-MENTAL

TOTAL AND

PERMANENT DISABILITY UP TO AND INCLUDING AGE 65 FOR SUMS ASSURED

Activities Of Daily Living

$3,000,001 OR MORE MEANS

1. BATHING - The inability to wash oneself either in the bath or shower or by a sponge bath. The Life Assured will be considered to be able to bathe even if the above tasks can only be performed by using equipment or adaptive devices. 2. DRESSING - The inability to put on and take off all garments and medically necessary braces or artificial limbs usually worn, and to fasten and unfasten them. The Life Assured will be considered able to dress even if the above tasks can only be performed by using modified clothing or adaptive devices such as tape fasteners or zipper pulls. 3. TOILETING - The inability to get to and from and on and off the toilet, to maintain a reasonable level of personal hygiene, and to care for clothing. The Life Assured will be considered able to toilet even if it involves the use and ability to empty a colostomy bag, and/or catheter, or an alternative means of bowel or urine elimination device, or use a commode, bedpan or urinal, and able to empty and clean it without the standby assistance of another person. 4. MOBILITY - The inability to move from place to place. The Life Assured will be considered able to move even if it requires the use of equipment including but not limited to canes, quad canes, walkers, crutches, wheelchairs, including mechanical or motorised devices. 5. EATING - The inability to get nourishment into the body by any means once it has been prepared and made available.

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• requires assistance with two (2) or more Activities of Daily Living defined above;

C The entire and irrecoverable loss of the sight of both eyes;

The complete, total and irrecoverable functional loss, as supported by medical evidence, of: • both hands; or • both feet; or • one hand and one foot. If the Policy Schedule shows You have selected the to age seventy (70) option the following definition will apply between the ages sixty-six (66) and seventy (70) irrespective of the occupation definition that is shown in the Policy Schedule . The Life Assured being totally and irreversibly unable to perform at least two (2) of the five (5) Activities of Daily Living (as defined below) as a result of a disease, illness or injury, without the standby assistance of another person.

TOTAL AND

PERMANENT DISABILITY AGES 66 – 70 MEANS

Activities Of Daily Living

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C The entire and irrecoverable loss of the sight of both eyes;

The complete, total and irrecoverable functional loss, as supported by medical evidence, of:

both hands; or both feet; or

• •

•

one hand and one foot.

(INSIGHT 35.0.0) – May 2019 (Updated August 2019) (Updated July 2021) (Updated November 2022) (Updated May 2026)

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