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Insurance rates tables

Please find below the insurance rates tables effective 14 October 2020. These can also be found in the Insurance Guide.

 

How much are you covered under the Default Cover?

Default Cover is made up of Death and TPD insurance cover under an age-based cover scale.

An age-based cover scale is where the amount of Death and TPD insurance cover depends on your age, and changes as you get older.

To find out the amount of Default Cover that applies for your age group, refer to the below Age-based cover scale table.

DefaultCover-by-age-1616729002849.png

 

Premium rates - Death and Death & TPD

Please note

  • Annual premium per $1,000 sum insured, White Collar occupation category 
  • Occupation rating factor is to be applied to the applicable rate of premium. For example, if your occupation category is Light Manual you need to multiply the rate of premium for Death & TPD set out below by 140% or 1.4
  • If your Death and TPD cover amounts differ, your TPD premium rate can be obtained by subtracting the Death only rate from the Death and TPD rate set out below.

occupation-rating-1616730083684.png

Age-next-birthday-cover-1616730083278.png

 

Premium rates - Death and Death & TPD Fixed Cover (males)

Please note

  • Annual premium per $1,000 sum insured, White Collar occupation category 
  • Occupation rating factor is to be applied to the applicable rate of premium. For example, if your occupation category is Light Manual you need to multiply the rate of premium for Death & TPD set out below by 140% or 1.4
  • If your Death and TPD cover amounts differ, your TPD premium rate can be obtained by subtracting the Death only rate from the Death and TPD rate set out below.

occupation-rating-1616730083684.png

cover-smokeing-status-1616731553775.png

 

Premium rates - Death and Death & TPD Fixed Cover (females)

Please note

  • Annual premium per $1,000 sum insured, White Collar occupation category 
  • Occupation rating factor is to be applied to the applicable rate of premium. For example, if your occupation category is Light Manual you need to multiply the rate of premium for Death & TPD set out below by 140% or 1.4
  • If your Death and TPD cover amounts differ, your TPD premium rate can be obtained by subtracting the Death only rate from the Death and TPD rate set out below

occupation-rating-1616730083684.png

cover-smokeing-status-female-1616731717155.png

 

Premium rates - Income Protection non-smoker (males)

Please note

  • Annual premium per $1,000 sum insured, White Collar occupation category 
  • Occupation rating factor is to be applied to the applicable rate of premium. For example, if your occupation category is Light Manual you need to multiply the rate of premium by 150% or 1.5

occupation-rating-factor-1616732170030.png

income-protection-smokeing-status-1616732169843.png

 

Premium rates - Income Protection smoker (males)

Please note

  • Annual premium per $1,000 sum insured, White Collar occupation category 
  • Occupation rating factor is to be applied to the applicable rate of premium. For example, if your occupation category is Light Manual you need to multiply the rate of premium by 150% or 1.5

occupation-rating-factor-1616732170030.png

income-protection-smokeing-status2-1616732169546.png

 

Premium rates - Income Protection non-smoker (females)

Please note

  • Annual premium per $1,000 sum insured, White Collar occupation category 
  • Occupation rating factor is to be applied to the applicable rate of premium. For example, if your occupation category is Light Manual you need to multiply the rate of premium by 150% or 1.5

occupation-rating-factor-1616732170030.png

income-protection-smokeing-status3-1616732169062.png

 

Premium rates - Income Protection smoker (females)

Please note

  • Annual premium per $1,000 sum insured, White Collar occupation category 
  • Occupation rating factor is to be applied to the applicable rate of premium. For example, if your occupation category is Light Manual you need to multiply the rate of premium by 150% or 1.5

occupation-rating-factor-1616732170030.png

income-protection-smokeing-status4-1616732170280.png

Australian Ethical acknowledges the Traditional Owners of the country on which we work, the Gadigal people of the Eora Nation, and recognise and celebrate their continuing connection to land, waters and culture. We pay our respects to Elders past and present and thank them for protecting Country since time immemorial.

See our Reconciliation Action Plan