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
16
FINANCIAL PLANNING AND LEGAL BENEFIT
17
CONVERSION OPTION
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COUNSELLING BENEFIT
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PC-TPD-05/2026
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