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Provides a lump sum benefit in the event of your death or terminal illness. This benefit could help your family pay off the mortgage and other debts, or provide a lump sum that could be invested to provide an ongoing income stream for dependents.
If you die as the result of an accident we will pay a lump sum benefit amount
Provides a lump sum benefit if you become totally and permanently disabled as a result of sickness or injury and are unlikely to ever be able to work again. This benefit could be used to cover the costs of rehabilitation, home modifications or to supplement an income protection bene
Provides a lump sum benefit if you become totally and permanently disabled as a result of an accident and are unlikely to ever be able to work again. This benefit may provide a suitable alternative for people with a health condition who are unable to obtain full cover.
Provides a lump sum benefit if you suffer one of 43 specified trauma conditions. The Trauma Plus Option provides cover for an additional 12 conditions. This benefit may be used to pay down debts, fund your day to day living expenses or to access medical treatmen
Provides a lump sum benefit if your child suffers a specified trauma condition, becomes terminally ill or dies. If your child suffers a specified trauma condition, this benefit could be used to access medical treatment, cover living expenses if you need to stop work and even pay for modifications to the family home
Provides an ongoing monthly benefit if you are totally or partially disabled as a result of sickness or injury and unable to work. This benefit could be used to help cover your daily bills and assist in maintaining your standard of living
Provides an ongoing monthly benefit if you are totally or partially disabled as a result of an accident and unable to work. This benefit may provide a suitable alternative for people with a health condition who are unable to obtain full cove
Provides an ongoing monthly reimbursement of eligible business expenses if you are totally or partially disabled as a result of sickness or injury and unable to work.
Are recalculated each year based upon your age and any
change in your level of cover. Generally, stepped premium rates increase each year
in line with your age. In the early years the premium will be lower than what you
would pay under a level or hybrid premium type.
Are also recalculated each year for any change in your level of
cover, but not because you are getting older. Both the premium rate and any
increase in your level of cover as a result of the Indexation Benefit are calculated
based upon your age at the time you took out cover. The premium is higher during
the early years compared to what you would pay under a stepped or hybrid
premium type. Level premium is only available if you are 60 years or younger at
the time you take out cover. You can choose ‘level premium to age 65’ or ‘level
premium to age 70’. If you continue to hold your cover past this age, your premium
will convert to a stepped premium type.
Are a combination of level and stepped premiums. The premium
is calculated on a level premium basis for the first seven years and converts to a
stepped premium basis thereafter. Hybrid premiums are only available if you are
aged between 30 and 60 at the time you take out Life, TPD or Trauma Cover and
aged between 30 and 55 for Income Protection Cover.
Most insurers base the cost of the increased cover with regards to the Indexation Benefit on the age of the client at the time they accept the increase. In doing so, this actually creates a stepped element to the premium and can impact the total cost of cover over the long-term. The cost of ClearView’s level premium increases due to the Indexation Benefit calculated using your age at the cover start date. Over the long term, this can translate to significant savings in premiums. Only a few insurers adopt this practice.
Once an event is organised you will be notified via email and we will contact you regarding your attendance!
