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8 Sep
2019

1A – White Collar Professional – | Good Grade Guarantee!

Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$10,000
Premium Style: Stepped
Waiting Period: 14 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 3:13:47 pm Page 1 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Premium Graphs –
Premium Table
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Professionals Choice SuperIncome Super
80 / 49
AP
$233.17
$2,798.04
Protection (Super)Income Care Super
76 / 33
S
$259.50
$3,114.00
SMSFIncome Care
76 / 29
S
$259.50
$3,114.00
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$259.63
$3,115.56
Insurance Super or Wrap w/ On TrackIncome Super
73 / 31
AAA
$267.21
$3,206.52
Insurance w/ On TrackIncome
84 / 49
AAA
$267.21
$3,206.52
Priority ProtectionIncome Occ A1 to A4
93 / 53
A1
$269.87
$3,238.44
Printed: 04/04/2019 3:13:47 pm Page 2 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$270.91
$3,250.92
ProtectionIncome Care
91 / 40
S
$278.32
$3,339.84
CompleteIncome Protection
93 / 60
AA
$279.49
$3,353.88
InsuranceIncome
84 / 49
AAA
$281.27
$3,375.24
Insurance Super or WrapIncome Super
73 / 31
AAA
$281.27
$3,375.24
Insurance Super or Wrap w/ On TrackIncome Platinum Super
78 / 38
AAA
$281.50
$3,378.00
Insurance w/ On TrackIncome Platinum
91 / 49
AAA
$281.50
$3,378.00
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$282.06
$3,384.72
LifeSolutionsIncome Protection
98 / 53
AAA
$286.14
$3,433.68
LifeSolutions SuperIncome Protection Super
89 / 47
AAA
$286.14
$3,433.68
CompleteIncome Protection w/ Extras
93 / 71
AA
$289.71
$3,476.52
InsuranceIncome Platinum
91 / 49
AAA
$296.32
$3,555.84
Insurance Super or WrapIncome Platinum Super
78 / 38
AAA
$296.32
$3,555.84
Accelerated Protection (Super)Income Super
78 / 38
AAA
$300.99
$3,611.88
Insurance w/ On TrackIncome w/ Extras
84 / 73
AAA
$301.95
$3,623.40
Wealth ProtectionIncome Protector
87 / 69
A1
$306.90
$3,682.80
ProtectionIncome Care Plus Occ SKJP
93 / 69
S
$311.90
$3,742.80
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$314.29
$3,771.48
Accelerated ProtectionIncome Protection Standard
93 / 64
AAA
$316.43
$3,797.16
InsuranceIncome w/ Extras
84 / 73
AAA
$317.83
$3,813.96
Printed: 04/04/2019 3:13:47 pm Page 3 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Professionals ChoiceIncome Protection
96 / 56
AP
$317.87
$3,814.44
Insurance w/ On TrackIncome Platinum w/ Extras
91 / 73
AAA
$318.10
$3,817.20
LifeSolutionsIncome Protection Extra
98 / 78
AAA
$321.90
$3,862.80
LifeSolutionsIncome Protection Plus
100 / 53
AAA
$321.90
$3,862.80
LifeSolutions SuperIncome Protection Plus Super
91 / 47
AAA
$321.90
$3,862.80
ProtectionIncome Care Platinum Occ SKJP
96 / 69
S
$325.61
$3,907.32
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$328.97
$3,947.64
InsuranceIncome Platinum w/ Extras
91 / 73
AAA
$334.84
$4,018.08
Wealth ProtectionIncome Protector Plus
96 / 76
A1
$349.24
$4,190.88
BT Protection PlansIP Occ AA to C
98 / 47
AA
$349.76
$4,197.12
BT Protection Plans SuperIP Super Occ AA to C
87 / 42
AA
$349.76
$4,197.12
Accelerated ProtectionIncome Protection Premier
98 / 76
AAA
$353.94
$4,247.28
Professionals ChoiceIncome w/ Extras
96 / 80
AP
$355.99
$4,271.88
CompleteIncome Protection Plus Occ AA to A2
96 / 73
AA
$359.05
$4,308.60
LifeSolutionsIncome Protection Plus Extra
100 / 78
AAA
$362.25
$4,347.00
OneCareIncome Secure Std
93 / 56
P
$390.68
$4,688.16
BT Protection PlansIP Plus Occ AA to A
98 / 76
AA
$409.50
$4,914.00
OneCareIncome Secure Comp.
93 / 78
P
$423.32
$5,079.84
OneCareIncome Secure Professional
96 / 78
P
$443.73
$5,324.76
Commission DetailsPrinted: 04/04/2019 3:13:47 pm Page 4 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Default Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 3:13:47 pm Page 5 of 5Risk Researcher – First Year SummaryLifePersonal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency: Monthly
Life
$1,000,000
Premium Style: Level to age 65
Premium Graphs –
Premium TablePrinted: 04/04/2019 3:16:21 pm Page 1 of 4Risk Researcher – First Year SummaryLife
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
BT Protection PlansMy Wellbeing Term Life
100 / 63
$110.86
$1,330.32
BT Protection Plans SuperMy Wellbeing Term Life
100 / 50
$110.86
$1,330.32
Wealth ProtectionDeath Cover
100 / 71
$117.68
$1,412.16
Wealth Protection SuperDeath Cover
100 / 63
$117.68
$1,412.16
Professionals ChoiceLife
100 / 75
$125.36
$1,504.32
Professionals Choice SuperLife Super
100 / 75
$125.36
$1,504.32
Priority Protection Super w/ VitalityLife Super
100 / 58
$126.28
$1,515.36
Priority Protection w/ VitalityLife Cover
100 / 75
$126.28
$1,515.36
OneCareLife Cover
93 / 54
$127.45
$1,529.40
OneCare (Super)Life Cover Super
100 / 50
$127.45
$1,529.40
Accelerated ProtectionHealth Sense Life
93 / 58
$128.77
$1,545.24
Accelerated Protection (Super)Health Sense Life Super
93 / 58
$128.77
$1,545.24
CompleteLife Cover
100 / 63
$131.36
$1,576.32
Complete (Super)Life Super
100 / 50
$131.36
$1,576.32
BT Protection PlansTerm Life
100 / 63
$131.68
$1,580.16
BT Protection Plans SuperTerm Life Super
100 / 50
$131.68
$1,580.16
Insurance Super or Wrap w/ On TrackLife Cover Super
100 / 67
$134.60
$1,615.20
Insurance w/ On TrackLife Cover
100 / 71
$134.60
$1,615.20
ProtectionPreferred Life
100 / 50
$134.60
$1,615.20
Printed: 04/04/2019 3:16:21 pm Page 2 of 4Risk Researcher – First Year SummaryLife
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
Protection (Super)Preferred Life
100 / 50
$134.60
$1,615.20
ProtectHealthy Living – Life
100 / 29
$135.75
$1,629.00
Protect (Super)Healthy Living – Life
100 / 13
$135.75
$1,629.00
LifeSolutionsLife Cover
100 / 63
$136.71
$1,640.52
LifeSolutions SuperLife Cover Super
100 / 63
$136.71
$1,640.52
Priority ProtectionLife Cover
100 / 63
$136.80
$1,641.60
Priority Protection (Super)Life Super
100 / 46
$136.80
$1,641.60
ProtectionLife Care
100 / 63
$138.56
$1,662.72
Protection (Super)Life Care Super
93 / 25
$138.56
$1,662.72
SMSFLife Care
100 / 38
$138.56
$1,662.72
Accelerated ProtectionLife
93 / 58
$138.65
$1,663.80
Accelerated Protection (Super)Life Super
93 / 58
$138.65
$1,663.80
InsuranceLife Cover
100 / 71
$141.68
$1,700.16
Insurance Super or WrapLife Cover Super
100 / 67
$141.68
$1,700.16
ProtectionLife Cover
100 / 50
$145.52
$1,746.24
Protection (Super)Life Cover
100 / 50
$145.52
$1,746.24
Elevate (Restricted Access)Life Insurance
93 / 58
$150.47
$1,805.64
Elevate Super (Restricted Access)Life Super
87 / 58
$150.47
$1,805.64
ProtectLife
100 / 29
$150.84
$1,810.08
Protect (Super)Life
100 / 13
$150.84
$1,810.08
Printed: 04/04/2019 3:16:21 pm Page 3 of 4Risk Researcher – First Year SummaryLifeCommission DetailsDefault Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 3:16:21 pm Page 4 of 4Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$10,000
Premium Style: Stepped
Waiting Period: 60 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 3:19:50 pm Page 1 of 4Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Premium Graphs –
Premium Table
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Professionals Choice SuperIncome Super
80 / 49
AP
$104.34
$1,252.08
Priority ProtectionIncome Occ A1 to A4
93 / 53
A1
$106.00
$1,272.00
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$108.04
$1,296.48
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$111.40
$1,336.80
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$113.04
$1,356.48
LifeSolutionsIncome Protection
98 / 53
AAA
$134.34
$1,612.08
LifeSolutions SuperIncome Protection Super
89 / 47
AAA
$134.34
$1,612.08
Printed: 04/04/2019 3:19:50 pm Page 2 of 4Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$137.14
$1,645.68
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$137.45
$1,649.40
Professionals ChoiceIncome Protection
96 / 56
AP
$139.49
$1,673.88
CompleteIncome Protection
93 / 60
AA
$141.60
$1,699.20
Wealth ProtectionIncome Protector
87 / 69
A1
$146.92
$1,763.04
Protection (Super)Income Care Super
76 / 33
S
$148.89
$1,786.68
SMSFIncome Care
76 / 29
S
$148.89
$1,786.68
CompleteIncome Protection w/ Extras
93 / 71
AA
$149.16
$1,789.92
LifeSolutionsIncome Protection Extra
98 / 78
AAA
$151.14
$1,813.68
LifeSolutionsIncome Protection Plus
100 / 53
AAA
$151.14
$1,813.68
LifeSolutions SuperIncome Protection Plus Super
91 / 47
AAA
$151.14
$1,813.68
Professionals ChoiceIncome w/ Extras
96 / 80
AP
$155.31
$1,863.72
Protection (Super)IP Super Occ MED to LBC
82 / 40
WCP
$156.27
$1,875.24
ProtectionIncome Care
91 / 40
S
$159.41
$1,912.92
Accelerated Protection (Super)Income Super
78 / 38
AAA
$159.51
$1,914.12
ProtectionIP Standard Occ MED to LBC
93 / 78
WCP
$164.50
$1,974.00
Wealth ProtectionIncome Protector Plus
96 / 76
A1
$166.40
$1,996.80
Accelerated ProtectionIncome Protection Standard
93 / 64
AAA
$167.50
$2,010.00
Elevate (Restricted Access)Income Occ MP to C
89 / 51
AA
$169.40
$2,032.80
LifeSolutionsIncome Protection Plus Extra
100 / 78
AAA
$170.08
$2,040.96
Printed: 04/04/2019 3:19:50 pm Page 3 of 4Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
OneCareIncome Secure Std
93 / 56
P
$170.38
$2,044.56
ProtectionIncome Care Plus Occ SKJP
93 / 69
S
$185.32
$2,223.84
Accelerated ProtectionIncome Protection Premier
98 / 76
AAA
$186.91
$2,242.92
CompleteIncome Protection Plus Occ AA to A2
96 / 73
AA
$189.82
$2,277.84
ProtectionIP Plus Occ MED to LBC
98 / 78
WCP
$192.77
$2,313.24
ProtectionIncome Care Platinum Occ SKJP
96 / 69
S
$193.34
$2,320.08
OneCareIncome Secure Comp.
93 / 78
P
$195.89
$2,350.68
OneCareIncome Secure Professional
96 / 78
P
$205.06
$2,460.72
Elevate (Restricted Access)Income Plus Occ. MP to C
89 / 76
AA
$207.40
$2,488.80
Elevate (Restricted Access)Income Premier
96 / 76
AA
$216.90
$2,602.80
Commission DetailsDefault Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 3:19:50 pm Page 4 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)Personal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency: Monthly
Trauma
$1,000,000
Premium Style: Level to age 65Trauma Cover Type: Stand Alone
Premium Graphs –
Premium TablePrinted: 04/04/2019 3:23:18 pm Page 1 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
OneCareTrauma Severity
55 / 72
$439.63
$5,275.56
BT Protection PlansLiving Insurance
94 / 35
$499.72
$5,996.64
OneCareTrauma Comp.
88 / 80
$547.36
$6,568.32
CompleteTrauma
88 / 70
$571.75
$6,861.00
Insurance w/ On TrackSA Critical Illness Plus
88 / 76
$573.86
$6,886.32
BT Protection PlansLiving Plus
97 / 85
$585.50
$7,026.00
Accelerated ProtectionHealth Sense CI Standard
85 / 75
$590.37
$7,084.44
ProtectTrauma
61 / 55
$598.61
$7,183.32
Wealth ProtectionExtended Trauma
91 / 84
$599.58
$7,194.96
InsuranceSA Critical Illness Plus
88 / 76
$604.05
$7,248.60
Professionals ChoiceTrauma
94 / 89
$605.49
$7,265.88
Accelerated ProtectionCritical Illness Standard
85 / 75
$637.61
$7,651.32
Wealth ProtectionPlatinum Trauma
91 / 86
$637.87
$7,654.44
OneCareTrauma Premier
94 / 86
$639.71
$7,676.52
CompleteTrauma Plus
94 / 78
$639.90
$7,678.80
Insurance w/ On TrackSA Critical Illness Plus EBO
94 / 84
$671.41
$8,056.92
Priority Protection w/ VitalityCrisis Recovery
97 / 87
$672.27
$8,067.24
OneCareTrauma Premier Maximiser
94 / 87
$672.58
$8,070.96
Accelerated ProtectionHealth Sense CI Premier
94 / 84
$680.23
$8,162.76
Printed: 04/04/2019 3:23:18 pm Page 2 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
InsuranceSA Critical Illness Plus EBO
94 / 84
$706.75
$8,481.00
ProtectTrauma w/ Ind. Extras
100 / 67
$709.75
$8,517.00
ProtectionTrauma
100 / 77
$710.27
$8,523.24
Elevate (Restricted Access)Trauma
91 / 78
$714.42
$8,573.04
CompleteTrauma Plus w/ Booster
94 / 80
$721.05
$8,652.60
Accelerated ProtectionCritical Illness Premier
94 / 84
$734.76
$8,817.12
ProtectionPreferred Critical Illness
91 / 75
$743.68
$8,924.16
ProtectionTrauma Plus
100 / 82
$745.24
$8,942.88
Priority ProtectionCrisis Recovery
97 / 84
$779.13
$9,349.56
Elevate (Restricted Access)Trauma Plus
97 / 80
$781.90
$9,382.80
ProtectionCritical Illness
91 / 75
$803.97
$9,647.64
LifeSolutionsTrauma
91 / 82
$816.63
$9,799.56
LifeSolutionsTrauma Plus
97 / 87
$857.46
$10,289.52
ProtectionPreferred Critical Illness Plus
97 / 83
$859.02
$10,308.24
ProtectionCritical Illness Plus
97 / 83
$928.66
$11,143.92
Commission DetailsDefault Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Printed: 04/04/2019 3:23:18 pm Page 3 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 3:23:18 pm Page 4 of 4Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$10,000
Premium Style: Level
Waiting Period: 14 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 3:27:07 pm Page 1 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Premium Graphs –
Premium Table
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Professionals Choice SuperIncome Super
80 / 49
AP
$353.23
$4,238.76
Insurance Super or Wrap w/ On TrackIncome Super
73 / 31
AAA
$395.22
$4,742.64
Insurance w/ On TrackIncome
84 / 49
AAA
$395.22
$4,742.64
InsuranceIncome
84 / 49
AAA
$416.02
$4,992.24
Insurance Super or WrapIncome Super
73 / 31
AAA
$416.02
$4,992.24
Insurance Super or Wrap w/ On TrackIncome Platinum Super
78 / 38
AAA
$416.35
$4,996.20
Insurance w/ On TrackIncome Platinum
91 / 49
AAA
$416.35
$4,996.20
Printed: 04/04/2019 3:27:07 pm Page 2 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
InsuranceIncome Platinum
91 / 49
AAA
$438.26
$5,259.12
Insurance Super or WrapIncome Platinum Super
78 / 38
AAA
$438.26
$5,259.12
Insurance w/ On TrackIncome w/ Extras
84 / 73
AAA
$446.60
$5,359.20
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$467.69
$5,612.28
InsuranceIncome w/ Extras
84 / 73
AAA
$470.11
$5,641.32
Insurance w/ On TrackIncome Platinum w/ Extras
91 / 73
AAA
$470.47
$5,645.64
Wealth ProtectionIncome Protector
87 / 69
A1
$481.32
$5,775.84
Professionals ChoiceIncome Protection
96 / 56
AP
$484.12
$5,809.44
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$488.38
$5,860.56
Priority ProtectionIncome Occ A1 to A4
93 / 53
A1
$494.80
$5,937.60
InsuranceIncome Platinum w/ Extras
91 / 73
AAA
$495.23
$5,942.76
CompleteIncome Protection
93 / 60
AA
$508.78
$6,105.36
Accelerated Protection (Super)Income Super
78 / 38
AAA
$509.92
$6,119.04
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$517.18
$6,206.16
CompleteIncome Protection w/ Extras
93 / 71
AA
$527.59
$6,331.08
BT Protection PlansIP Occ AA to C
98 / 47
AA
$536.10
$6,433.20
BT Protection Plans SuperIP Super Occ AA to C
87 / 42
AA
$536.10
$6,433.20
Accelerated ProtectionIncome Protection Standard
93 / 64
AAA
$536.35
$6,436.20
Professionals ChoiceIncome w/ Extras
96 / 80
AP
$543.02
$6,516.24
Wealth ProtectionIncome Protector Plus
96 / 76
A1
$548.57
$6,582.84
Printed: 04/04/2019 3:27:07 pm Page 3 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
LifeSolutionsIncome Protection
98 / 53
AAA
$555.11
$6,661.32
LifeSolutions SuperIncome Protection Super
89 / 47
AAA
$555.11
$6,661.32
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$567.96
$6,815.52
OneCareIncome Secure Std
93 / 56
P
$591.45
$7,097.40
Accelerated ProtectionIncome Protection Premier
98 / 76
AAA
$600.58
$7,206.96
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$603.21
$7,238.52
LifeSolutionsIncome Protection Extra
98 / 78
AAA
$624.50
$7,494.00
LifeSolutionsIncome Protection Plus
100 / 53
AAA
$624.50
$7,494.00
LifeSolutions SuperIncome Protection Plus Super
91 / 47
AAA
$624.50
$7,494.00
CompleteIncome Protection Plus Occ AA to A2
96 / 73
AA
$628.08
$7,536.96
BT Protection PlansIP Plus Occ AA to A
98 / 76
AA
$629.19
$7,550.28
OneCareIncome Secure Comp.
93 / 78
P
$642.61
$7,711.32
Protection (Super)Income Care Super
76 / 33
S
$651.09
$7,813.08
SMSFIncome Care
76 / 29
S
$651.09
$7,813.08
OneCareIncome Secure Professional
96 / 78
P
$673.73
$8,084.76
ProtectionIncome Care
91 / 40
S
$699.27
$8,391.24
LifeSolutionsIncome Protection Plus Extra
100 / 78
AAA
$702.78
$8,433.36
ProtectionIncome Care Plus Occ SKJP
93 / 69
S
$781.58
$9,378.96
ProtectionIncome Care Platinum Occ SKJP
96 / 69
S
$816.50
$9,798.00
Commission DetailsPrinted: 04/04/2019 3:27:07 pm Page 4 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Default Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 3:27:07 pm Page 5 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$10,000
Premium Style: Stepped
Waiting Period: 30 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 3:30:12 pm Page 1 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Premium Graphs –
Premium Table
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Professionals Choice SuperIncome Super
80 / 49
AP
$135.28
$1,623.36
CompleteIncome Protection
93 / 60
AA
$154.74
$1,856.88
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$156.85
$1,882.20
Priority ProtectionIncome Occ A1 to A4
93 / 53
A1
$158.76
$1,905.12
Protection (Super)Income Care Super
76 / 33
S
$159.48
$1,913.76
SMSFIncome Care
76 / 29
S
$159.48
$1,913.76
CompleteIncome Protection w/ Extras
93 / 71
AA
$160.19
$1,922.28
Printed: 04/04/2019 3:30:12 pm Page 2 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
LifeSolutionsIncome Protection
98 / 53
AAA
$160.75
$1,929.00
LifeSolutions SuperIncome Protection Super
89 / 47
AAA
$160.75
$1,929.00
Insurance Super or Wrap w/ On TrackIncome Super
73 / 31
AAA
$161.57
$1,938.84
Insurance w/ On TrackIncome
84 / 49
AAA
$161.57
$1,938.84
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$164.25
$1,971.00
Protection (Super)IP Super Occ MED to LBC
82 / 40
WCP
$166.59
$1,999.08
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$166.77
$2,001.24
InsuranceIncome
84 / 49
AAA
$170.07
$2,040.84
Insurance Super or WrapIncome Super
73 / 31
AAA
$170.07
$2,040.84
Insurance Super or Wrap w/ On TrackIncome Platinum Super
78 / 38
AAA
$170.27
$2,043.24
Insurance w/ On TrackIncome Platinum
91 / 49
AAA
$170.27
$2,043.24
Accelerated Protection (Super)Income Super
78 / 38
AAA
$170.61
$2,047.32
ProtectionIncome Care
91 / 40
S
$170.80
$2,049.60
ProtectionIP Standard Occ MED to LBC
93 / 78
WCP
$175.36
$2,104.32
Accelerated ProtectionIncome Protection Standard
93 / 64
AAA
$179.19
$2,150.28
InsuranceIncome Platinum
91 / 49
AAA
$179.23
$2,150.76
Insurance Super or WrapIncome Platinum Super
78 / 38
AAA
$179.23
$2,150.76
LifeSolutionsIncome Protection Extra
98 / 78
AAA
$180.85
$2,170.20
LifeSolutionsIncome Protection Plus
100 / 53
AAA
$180.85
$2,170.20
LifeSolutions SuperIncome Protection Plus Super
91 / 47
AAA
$180.85
$2,170.20
Printed: 04/04/2019 3:30:12 pm Page 3 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Wealth ProtectionIncome Protector
87 / 69
A1
$181.00
$2,172.00
Professionals ChoiceIncome Protection
96 / 56
AP
$182.34
$2,188.08
Insurance w/ On TrackIncome w/ Extras
84 / 73
AAA
$182.57
$2,190.84
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$188.27
$2,259.24
InsuranceIncome w/ Extras
84 / 73
AAA
$192.18
$2,306.16
Insurance w/ On TrackIncome Platinum w/ Extras
91 / 73
AAA
$192.40
$2,308.80
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$192.73
$2,312.76
Elevate (Restricted Access)Income Occ MP to C
89 / 51
AA
$198.05
$2,376.60
ProtectionIncome Care Plus Occ SKJP
93 / 69
S
$198.65
$2,383.80
Accelerated ProtectionIncome Protection Premier
98 / 76
AAA
$200.03
$2,400.36
InsuranceIncome Platinum w/ Extras
91 / 73
AAA
$202.53
$2,430.36
LifeSolutionsIncome Protection Plus Extra
100 / 78
AAA
$203.51
$2,442.12
Professionals ChoiceIncome w/ Extras
96 / 80
AP
$203.52
$2,442.24
Wealth ProtectionIncome Protector Plus
96 / 76
A1
$205.35
$2,464.20
ProtectionIP Plus Occ MED to LBC
98 / 78
WCP
$205.51
$2,466.12
CompleteIncome Protection Plus Occ AA to A2
96 / 73
AA
$205.61
$2,467.32
OneCareIncome Secure Std
93 / 56
P
$206.89
$2,482.68
ProtectionIncome Care Platinum Occ SKJP
96 / 69
S
$207.27
$2,487.24
BT Protection PlansIP Occ AA to C
98 / 47
AA
$214.49
$2,573.88
BT Protection Plans SuperIP Super Occ AA to C
87 / 42
AA
$214.49
$2,573.88
Printed: 04/04/2019 3:30:12 pm Page 4 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
ProtectIncome Cover w/ Prof Extras
96 / 44
P
$220.86
$2,650.32
Elevate (Restricted Access)Income Plus Occ. MP to C
89 / 76
AA
$230.12
$2,761.44
OneCareIncome Secure Comp.
93 / 78
P
$230.21
$2,762.52
Elevate (Restricted Access)Income Premier
96 / 76
AA
$238.15
$2,857.80
OneCareIncome Secure Professional
96 / 78
P
$241.07
$2,892.84
BT Protection PlansIP Plus Occ AA to A
98 / 76
AA
$249.44
$2,993.28
Commission DetailsDefault Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 3:30:12 pm Page 5 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$10,000
Premium Style: Level
Waiting Period: 60 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 3:32:14 pm Page 1 of 4Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Premium Graphs –
Premium Table
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Professionals Choice SuperIncome Super
80 / 49
AP
$159.45
$1,913.40
Professionals ChoiceIncome Protection
96 / 56
AP
$215.80
$2,589.60
Professionals ChoiceIncome w/ Extras
96 / 80
AP
$241.16
$2,893.92
Wealth ProtectionIncome Protector
87 / 69
A1
$242.63
$2,911.56
LifeSolutionsIncome Protection
98 / 53
AAA
$260.62
$3,127.44
LifeSolutions SuperIncome Protection Super
89 / 47
AAA
$260.62
$3,127.44
Accelerated Protection (Super)Income Super
78 / 38
AAA
$262.77
$3,153.24
Printed: 04/04/2019 3:32:14 pm Page 2 of 4Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
CompleteIncome Protection
93 / 60
AA
$264.74
$3,176.88
Protection (Super)IP Super Occ MED to LBC
82 / 40
WCP
$270.83
$3,249.96
OneCareIncome Secure Std
93 / 56
P
$275.61
$3,307.32
Wealth ProtectionIncome Protector Plus
96 / 76
A1
$275.78
$3,309.36
Accelerated ProtectionIncome Protection Standard
93 / 64
AAA
$276.19
$3,314.28
CompleteIncome Protection w/ Extras
93 / 71
AA
$279.03
$3,348.36
Protection (Super)Income Care Super
76 / 33
S
$284.60
$3,415.20
SMSFIncome Care
76 / 29
S
$284.60
$3,415.20
ProtectionIP Standard Occ MED to LBC
93 / 78
WCP
$285.09
$3,421.08
Elevate (Restricted Access)Income Occ MP to C
89 / 51
AA
$286.89
$3,442.68
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$290.68
$3,488.16
LifeSolutionsIncome Protection Extra
98 / 78
AAA
$293.20
$3,518.40
LifeSolutionsIncome Protection Plus
100 / 53
AAA
$293.20
$3,518.40
LifeSolutions SuperIncome Protection Plus Super
91 / 47
AAA
$293.20
$3,518.40
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$301.75
$3,621.00
Priority ProtectionIncome Occ A1 to A4
93 / 53
A1
$303.43
$3,641.16
ProtectionIncome Care
91 / 40
S
$305.33
$3,663.96
Accelerated ProtectionIncome Protection Premier
98 / 76
AAA
$308.81
$3,705.72
OneCareIncome Secure Comp.
93 / 78
P
$312.19
$3,746.28
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$315.41
$3,784.92
Printed: 04/04/2019 3:32:14 pm Page 3 of 4Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
ProtectionIP Plus Occ MED to LBC
98 / 78
WCP
$319.73
$3,836.76
OneCareIncome Secure Professional
96 / 78
P
$327.13
$3,925.56
LifeSolutionsIncome Protection Plus Extra
100 / 78
AAA
$329.96
$3,959.52
Elevate (Restricted Access)Income Plus Occ. MP to C
89 / 76
AA
$331.60
$3,979.20
CompleteIncome Protection Plus Occ AA to A2
96 / 73
AA
$335.82
$4,029.84
ProtectionIncome Care Plus Occ SKJP
93 / 69
S
$337.32
$4,047.84
Elevate (Restricted Access)Income Premier
96 / 76
AA
$342.77
$4,113.24
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$347.82
$4,173.84
ProtectionIncome Care Platinum Occ SKJP
96 / 69
S
$352.20
$4,226.40
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$365.21
$4,382.52
Commission DetailsDefault Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 3:32:14 pm Page 4 of 4Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$10,000
Premium Style: Stepped
Waiting Period: 90 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 3:34:10 pm Page 1 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Premium Graphs –
Premium Table
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Priority ProtectionIncome Occ A1 to A4
93 / 53
A1
$88.32
$1,059.84
CompleteIncome Protection
93 / 60
AA
$88.99
$1,067.88
Professionals Choice SuperIncome Super
80 / 49
AP
$91.07
$1,092.84
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$91.69
$1,100.28
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$92.97
$1,115.64
CompleteIncome Protection w/ Extras
93 / 71
AA
$93.40
$1,120.80
Insurance Super or Wrap w/ On TrackIncome Super
73 / 31
AAA
$93.71
$1,124.52
Printed: 04/04/2019 3:34:10 pm Page 2 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Insurance w/ On TrackIncome
84 / 49
AAA
$93.71
$1,124.52
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$95.99
$1,151.88
InsuranceIncome
84 / 49
AAA
$98.64
$1,183.68
Insurance Super or WrapIncome Super
73 / 31
AAA
$98.64
$1,183.68
Insurance Super or Wrap w/ On TrackIncome Platinum Super
78 / 38
AAA
$98.76
$1,185.12
Insurance w/ On TrackIncome Platinum
91 / 49
AAA
$98.76
$1,185.12
InsuranceIncome Platinum
91 / 49
AAA
$103.95
$1,247.40
Insurance Super or WrapIncome Platinum Super
78 / 38
AAA
$103.95
$1,247.40
Protection (Super)IP Super Occ MED to LBC
82 / 40
WCP
$105.37
$1,264.44
Insurance w/ On TrackIncome w/ Extras
84 / 73
AAA
$105.89
$1,270.68
Accelerated Protection (Super)Income Super
78 / 38
AAA
$106.26
$1,275.12
LifeSolutionsIncome Protection
98 / 53
AAA
$108.04
$1,296.48
LifeSolutions SuperIncome Protection Super
89 / 47
AAA
$108.04
$1,296.48
ProtectionIP Standard Occ MED to LBC
93 / 78
WCP
$110.92
$1,331.04
Accelerated ProtectionIncome Protection Standard
93 / 64
AAA
$111.45
$1,337.40
InsuranceIncome w/ Extras
84 / 73
AAA
$111.46
$1,337.52
Insurance w/ On TrackIncome Platinum w/ Extras
91 / 73
AAA
$111.59
$1,339.08
Protection (Super)Income Care Super
76 / 33
S
$114.10
$1,369.20
SMSFIncome Care
76 / 29
S
$114.10
$1,369.20
OneCareIncome Secure Std
93 / 56
P
$115.94
$1,391.28
Printed: 04/04/2019 3:34:10 pm Page 3 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$117.36
$1,408.32
InsuranceIncome Platinum w/ Extras
91 / 73
AAA
$117.47
$1,409.64
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$118.55
$1,422.60
Wealth ProtectionIncome Protector
87 / 69
A1
$118.83
$1,425.96
Professionals ChoiceIncome Protection
96 / 56
AP
$121.13
$1,453.56
LifeSolutionsIncome Protection Extra
98 / 78
AAA
$121.55
$1,458.60
LifeSolutionsIncome Protection Plus
100 / 53
AAA
$121.55
$1,458.60
LifeSolutions SuperIncome Protection Plus Super
91 / 47
AAA
$121.55
$1,458.60
Elevate (Restricted Access)Income Occ MP to C
89 / 51
AA
$121.93
$1,463.16
ProtectionIncome Care
91 / 40
S
$122.03
$1,464.36
CompleteIncome Protection Plus Occ AA to A2
96 / 73
AA
$123.84
$1,486.08
Accelerated ProtectionIncome Protection Premier
98 / 76
AAA
$124.06
$1,488.72
ProtectionIP Plus Occ MED to LBC
98 / 78
WCP
$129.98
$1,559.76
Wealth ProtectionIncome Protector Plus
96 / 76
A1
$134.30
$1,611.60
Professionals ChoiceIncome w/ Extras
96 / 80
AP
$134.65
$1,615.80
LifeSolutionsIncome Protection Plus Extra
100 / 78
AAA
$136.78
$1,641.36
ProtectionIncome Care Plus Occ SKJP
93 / 69
S
$141.53
$1,698.36
BT Protection PlansIP Occ AA to C
98 / 47
AA
$142.35
$1,708.20
BT Protection Plans SuperIP Super Occ AA to C
87 / 42
AA
$142.35
$1,708.20
ProtectIncome Cover w/ Prof Extras
96 / 44
P
$147.05
$1,764.60
Printed: 04/04/2019 3:34:10 pm Page 4 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
ProtectionIncome Care Platinum Occ SKJP
96 / 69
S
$147.56
$1,770.72
OneCareIncome Secure Comp.
93 / 78
P
$147.64
$1,771.68
Elevate (Restricted Access)Income Plus Occ. MP to C
89 / 76
AA
$153.24
$1,838.88
OneCareIncome Secure Professional
96 / 78
P
$154.42
$1,853.04
Elevate (Restricted Access)Income Premier
96 / 76
AA
$161.08
$1,932.96
BT Protection PlansIP Plus Occ AA to A
98 / 76
AA
$164.90
$1,978.80
Commission DetailsDefault Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 3:34:10 pm Page 5 of 5Risk Researcher – First Year SummaryPackagePersonal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency (Super): MonthlyPremium Frequency (Non-super): Monthly
Life
$1,000,000
Premium Style: Stepped
TPD
$1,000,000
Premium Style: SteppedTPD Definition: OwnTPD Cover Type: Stand Alone
Trauma
$1,000,000
Premium Style: SteppedTrauma Cover Type: Stand Alone
Income Protection(Agreed Value)
$10,000
Premium Style: Stepped
Waiting Period: 14 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 4:04:02 pm Page 1 of 9Risk Researcher – First Year SummaryPackage
Premium Graphs –
Premium Table
Insurer
Packages
General Score
PremiumInstalments
AnnualisedPremium
Priority Protection w/ VitalityLife Cover, TPD, Crisis Recovery, Income Occ A1 to A4
96 / 77
$564.05
$6,768.60
Priority Protection w/ VitalityLife Cover, TPD, Crisis Recovery, Income Advantage OccA1 to A4
97 / 78
$575.33
$6,903.96
Insurance w/ On TrackLife Cover, TPD, SA Critical Illness Plus, Income
88 / 66
$596.06
$7,152.72
Insurance w/ On TrackLife Cover, TPD, SA Critical Illness Plus, IncomePlatinum
91 / 66
$608.93
$7,307.16
Wealth ProtectionDeath Cover, Essential TPD, Extended Trauma, IncomeProtector
92 / 75
$612.04
$7,344.48
Priority Protection w/ VitalityLife Cover, TPD, Crisis Recovery, Income Plus Occ A1 toA4
97 / 83
$618.71
$7,424.52
Printed: 04/04/2019 4:04:02 pm Page 2 of 9Risk Researcher – First Year SummaryPackage
Insurer
Packages
General Score
PremiumInstalments
AnnualisedPremium
Wealth ProtectionDeath Cover, Platinum TPD, Extended Trauma, IncomeProtector
92 / 75
$625.66
$7,507.92
CompleteHealthy Life – Life Cover, Healthy Life – TPD, Trauma,Income Protection
93 / 63
$626.73
$7,520.76
Insurance w/ On TrackLife Cover, TPD, SA Critical Illness Plus, Income w/Extras
88 / 72
$627.33
$7,527.96
Wealth ProtectionDeath Cover, Essential TPD, Platinum Trauma, IncomeProtector
92 / 76
$627.33
$7,527.96
InsuranceLife Cover, TPD, SA Critical Illness Plus, Income
88 / 66
$627.43
$7,529.16
Priority ProtectionLife Cover, TPD, Crisis Recovery, Income Occ A1 to A4
96 / 70
$628.00
$7,536.00
CompleteLife Cover, Healthy Life – TPD, Trauma, IncomeProtection
93 / 63
$631.06
$7,572.72
CompleteHealthy Life – Life Cover, TPD, Trauma, IncomeProtection
93 / 63
$633.57
$7,602.84
Insurance w/ On TrackLife Cover, TPD, SA Critical Illness Plus EBO, Income
90 / 70
$635.27
$7,623.24
CompleteHealthy Life – Life Cover, Healthy Life – TPD, Trauma,Income Protection w/ Extras
93 / 66
$636.95
$7,643.40
CompleteLife Cover, TPD, Trauma, Income Protection
93 / 63
$637.90
$7,654.80
Priority ProtectionLife Cover, TPD, Crisis Recovery, Income Advantage OccA1 to A4
97 / 72
$640.19
$7,682.28
Wealth ProtectionDeath Cover, Platinum TPD, Platinum Trauma, IncomeProtector
92 / 77
$640.95
$7,691.40
InsuranceLife Cover, TPD, SA Critical Illness Plus, IncomePlatinum
91 / 66
$640.97
$7,691.64
CompleteLife Cover, Healthy Life – TPD, Trauma, IncomeProtection w/ Extras
93 / 66
$641.28
$7,695.36
Insurance w/ On TrackLife Cover, TPD, SA Critical Illness Plus, IncomePlatinum w/ Extras
91 / 72
$641.87
$7,702.44
CompleteHealthy Life – Life Cover, TPD, Trauma, IncomeProtection w/ Extras
93 / 66
$643.79
$7,725.48
Accelerated ProtectionHealth Sense Life, Health Sense TPD, Health Sense CIStandard, Income Protection Standard
92 / 66
$645.86
$7,750.32
Printed: 04/04/2019 4:04:02 pm Page 3 of 9Risk Researcher – First Year SummaryPackage
Insurer
Packages
General Score
PremiumInstalments
AnnualisedPremium
CompleteLife Cover, TPD, Trauma, Income Protection w/ Extras
93 / 66
$648.12
$7,777.44
Insurance w/ On TrackLife Cover, TPD, SA Critical Illness Plus EBO, IncomePlatinum
93 / 70
$648.14
$7,777.68
Wealth ProtectionDeath Cover, Essential TPD, Extended Trauma, IncomeProtector Plus
95 / 77
$650.14
$7,801.68
CompleteHealthy Life – Life Cover, Healthy Life – TPD, TraumaPlus, Income Protection
95 / 67
$656.44
$7,877.28
ProtectionLife Care, TPD, Trauma, Income Care
95 / 63
$656.53
$7,878.36
InsuranceLife Cover, TPD, SA Critical Illness Plus, Income w/Extras
88 / 72
$660.34
$7,924.08
CompleteLife Cover, Healthy Life – TPD, Trauma Plus, IncomeProtection
95 / 67
$660.77
$7,929.24
CompleteHealthy Life – Life Cover, TPD, Trauma Plus, IncomeProtection
95 / 67
$663.28
$7,959.36
Wealth ProtectionDeath Cover, Platinum TPD, Extended Trauma, IncomeProtector Plus
95 / 77
$663.76
$7,965.12
Accelerated ProtectionHealth Sense Life, Health Sense TPD, Health Sense CIPremier, Income Protection Standard
95 / 70
$664.30
$7,971.60
Wealth ProtectionDeath Cover, Essential TPD, Platinum Trauma, IncomeProtector Plus
95 / 78
$665.43
$7,985.16
Insurance w/ On TrackLife Cover, TPD, SA Critical Illness Plus EBO, Income w/Extras
90 / 76
$666.54
$7,998.48
CompleteHealthy Life – Life Cover, Healthy Life – TPD, TraumaPlus, Income Protection w/ Extras
95 / 70
$666.66
$7,999.92
CompleteLife Cover, TPD, Trauma Plus, Income Protection
95 / 67
$667.61
$8,011.32
InsuranceLife Cover, TPD, SA Critical Illness Plus EBO, Income
90 / 70
$668.70
$8,024.40
ProtectionLife Care, TPD, Trauma Plus, Income Care
95 / 65
$669.01
$8,028.12
BT Protection PlansMy Wellbeing Term Life, TPD, Living Insurance, IP OccAA to C
97 / 42
$670.54
$8,046.48
CompleteLife Cover, Healthy Life – TPD, Trauma Plus, IncomeProtection w/ Extras
95 / 70
$670.99
$8,051.88
Printed: 04/04/2019 4:04:02 pm Page 4 of 9Risk Researcher – First Year SummaryPackage
Insurer
Packages
General Score
PremiumInstalments
AnnualisedPremium
CompleteHealthy Life – Life Cover, TPD, Trauma Plus, IncomeProtection w/ Extras
95 / 70
$673.50
$8,082.00
Professionals ChoiceLife, TPD, Trauma, Income Protection
96 / 77
$675.48
$8,105.76
InsuranceLife Cover, TPD, SA Critical Illness Plus, IncomePlatinum w/ Extras
91 / 72
$675.65
$8,107.80
OneCareLife Cover, TPD, Trauma Severity, Income Secure Std
83 / 63
$677.63
$8,131.56
CompleteLife Cover, TPD, Trauma Plus, Income Protection w/Extras
95 / 70
$677.83
$8,133.96
Wealth ProtectionDeath Cover, Platinum TPD, Platinum Trauma, IncomeProtector Plus
95 / 78
$679.05
$8,148.60
Insurance w/ On TrackLife Cover, TPD, SA Critical Illness Plus EBO, IncomePlatinum w/ Extras
93 / 76
$681.08
$8,172.96
InsuranceLife Cover, TPD, SA Critical Illness Plus EBO, IncomePlatinum
93 / 70
$682.24
$8,186.88
Accelerated ProtectionHealth Sense Life, Health Sense TPD, Health Sense CIStandard, Income Protection Premier
94 / 69
$683.37
$8,200.44
BT Protection PlansTerm Life, TPD, Living Insurance, IP Occ AA to C
97 / 42
$684.09
$8,209.08
Priority ProtectionLife Cover, TPD, Crisis Recovery, Income Plus Occ A1 toA4
97 / 76
$687.10
$8,245.20
ProtectionLife Care, TPD, Trauma, Income Care Plus Occ SKJP
96 / 70
$690.11
$8,281.32
BT Protection PlansMy Wellbeing Term Life, TPD, Living Plus, IP Occ AA toC
98 / 67
$697.95
$8,375.40
CompleteHealthy Life – Life Cover, Healthy Life – TPD, TraumaPlus w/ Booster, Income Protection
95 / 68
$698.13
$8,377.56
InsuranceLife Cover, TPD, SA Critical Illness Plus EBO, Income w/Extras
90 / 76
$701.61
$8,419.32
Accelerated ProtectionHealth Sense Life, Health Sense TPD, Health Sense CIPremier, Income Protection Premier
96 / 73
$701.81
$8,421.72
CompleteLife Cover, Healthy Life – TPD, Trauma Plus w/ Booster,Income Protection
95 / 68
$702.46
$8,429.52
ProtectionLife Care, TPD, Trauma Plus, Income Care Plus OccSKJP
96 / 72
$702.59
$8,431.08
Printed: 04/04/2019 4:04:02 pm Page 5 of 9Risk Researcher – First Year SummaryPackage
Insurer
Packages
General Score
PremiumInstalments
AnnualisedPremium
ProtectionLife Care, TPD, Trauma, Income Care Platinum Occ SKJP
97 / 70
$703.82
$8,445.84
Accelerated ProtectionLife, TPD, Critical Illness Standard, Income ProtectionStandard
92 / 66
$704.13
$8,449.56
CompleteHealthy Life – Life Cover, TPD, Trauma Plus w/ Booster,Income Protection
95 / 68
$704.97
$8,459.64
CompleteHealthy Life – Life Cover, Healthy Life – TPD, Trauma,Income Protection Plus Occ AA to A2
94 / 66
$706.30
$8,475.60
LifeSolutionsLife Cover, TPD, Trauma, Income Protection
96 / 69
$707.47
$8,489.64
CompleteHealthy Life – Life Cover, Healthy Life – TPD, TraumaPlus w/ Booster, Income Protection w/ Extras
95 / 70
$708.35
$8,500.20
CompleteLife Cover, TPD, Trauma Plus w/ Booster, IncomeProtection
95 / 68
$709.30
$8,511.60
Professionals ChoiceLife, TPD, Trauma, Income w/ Extras
96 / 83
$709.79
$8,517.48
OneCareLife Cover, TPD, Trauma Severity, Income Secure Comp.
83 / 69
$710.29
$8,523.48
CompleteLife Cover, Healthy Life – TPD, Trauma, IncomeProtection Plus Occ AA to A2
94 / 66
$710.63
$8,527.56
BT Protection PlansTerm Life, TPD, Living Plus, IP Occ AA to C
98 / 67
$711.50
$8,538.00
CompleteLife Cover, Healthy Life – TPD, Trauma Plus w/ Booster,Income Protection w/ Extras
95 / 70
$712.68
$8,552.16
CompleteHealthy Life – Life Cover, TPD, Trauma, IncomeProtection Plus Occ AA to A2
94 / 66
$713.14
$8,557.68
CompleteHealthy Life – Life Cover, TPD, Trauma Plus w/ Booster,Income Protection w/ Extras
95 / 70
$715.19
$8,582.28
ProtectionLife Care, TPD, Trauma Plus, Income Care Platinum OccSKJP
97 / 72
$716.30
$8,595.60
InsuranceLife Cover, TPD, SA Critical Illness Plus EBO, IncomePlatinum w/ Extras
93 / 76
$716.92
$8,603.04
CompleteLife Cover, TPD, Trauma, Income Protection Plus Occ AAto A2
94 / 66
$717.47
$8,609.64
CompleteLife Cover, TPD, Trauma Plus w/ Booster, IncomeProtection w/ Extras
95 / 70
$719.52
$8,634.24
Printed: 04/04/2019 4:04:02 pm Page 6 of 9Risk Researcher – First Year SummaryPackage
Insurer
Packages
General Score
PremiumInstalments
AnnualisedPremium
LifeSolutionsLife Cover, TPD, Trauma Plus, Income Protection
98 / 72
$721.72
$8,660.64
OneCareLife Cover, TPD, Trauma Comp., Income Secure Std
93 / 67
$723.50
$8,682.00
Accelerated ProtectionLife, TPD, Critical Illness Premier, Income ProtectionStandard
95 / 70
$725.82
$8,709.84
BT Protection PlansMy Wellbeing Term Life, TPD, Living Insurance, IP PlusOcc AA to A
97 / 49
$727.29
$8,727.48
OneCareLife Cover, TPD, Trauma Severity, Income SecureProfessional
84 / 69
$730.69
$8,768.28
CompleteHealthy Life – Life Cover, Healthy Life – TPD, TraumaPlus, Income Protection Plus Occ AA to A2
95 / 70
$736.01
$8,832.12
OneCareLife Cover, TPD, Trauma Premier, Income Secure Std
95 / 70
$736.79
$8,841.48
CompleteLife Cover, Healthy Life – TPD, Trauma Plus, IncomeProtection Plus Occ AA to A2
95 / 70
$740.34
$8,884.08
BT Protection PlansTerm Life, TPD, Living Insurance, IP Plus Occ AA to A
97 / 49
$740.84
$8,890.08
Accelerated ProtectionLife, TPD, Critical Illness Standard, Income ProtectionPremier
94 / 69
$741.64
$8,899.68
CompleteHealthy Life – Life Cover, TPD, Trauma Plus, IncomeProtection Plus Occ AA to A2
95 / 70
$742.85
$8,914.20
LifeSolutionsLife Cover, TPD, Trauma, Income Protection Extra
96 / 75
$743.23
$8,918.76
LifeSolutionsLife Cover, TPD, Trauma, Income Protection Plus
97 / 69
$743.23
$8,918.76
CompleteLife Cover, TPD, Trauma Plus, Income Protection PlusOcc AA to A2
95 / 70
$747.18
$8,966.16
OneCareLife Cover, TPD, Trauma Premier Maximiser, IncomeSecure Std
95 / 71
$749.42
$8,993.04
BT Protection PlansMy Wellbeing Term Life, TPD, Living Plus, IP Plus OccAA to A
98 / 74
$754.70
$9,056.40
OneCareLife Cover, TPD, Trauma Comp., Income Secure Comp.
93 / 73
$756.15
$9,073.80
LifeSolutionsLife Cover, TPD, Trauma Plus, Income Protection Extra
98 / 78
$757.48
$9,089.76
Printed: 04/04/2019 4:04:02 pm Page 7 of 9Risk Researcher – First Year SummaryPackage
Insurer
Packages
General Score
PremiumInstalments
AnnualisedPremium
LifeSolutionsLife Cover, TPD, Trauma Plus, Income Protection Plus
99 / 72
$757.48
$9,089.76
Accelerated ProtectionLife, TPD, Critical Illness Premier, Income ProtectionPremier
96 / 73
$763.33
$9,159.96
BT Protection PlansTerm Life, TPD, Living Plus, IP Plus Occ AA to A
98 / 74
$768.25
$9,219.00
OneCareLife Cover, TPD, Trauma Premier, Income Secure Comp.
95 / 76
$769.44
$9,233.28
OneCareLife Cover, TPD, Trauma Comp., Income SecureProfessional
94 / 73
$776.55
$9,318.60
CompleteHealthy Life – Life Cover, Healthy Life – TPD, TraumaPlus w/ Booster, Income Protection Plus Occ AA to A2
95 / 71
$777.70
$9,332.40
CompleteLife Cover, Healthy Life – TPD, Trauma Plus w/ Booster,Income Protection Plus Occ AA to A2
95 / 71
$782.03
$9,384.36
OneCareLife Cover, TPD, Trauma Premier Maximiser, IncomeSecure Comp.
95 / 77
$782.07
$9,384.84
LifeSolutionsLife Cover, TPD, Trauma, Income Protection Plus Extra
97 / 75
$783.58
$9,402.96
CompleteHealthy Life – Life Cover, TPD, Trauma Plus w/ Booster,Income Protection Plus Occ AA to A2
95 / 71
$784.54
$9,414.48
CompleteLife Cover, TPD, Trauma Plus w/ Booster, IncomeProtection Plus Occ AA to A2
95 / 71
$788.87
$9,466.44
OneCareLife Cover, TPD, Trauma Premier, Income SecureProfessional
95 / 76
$789.84
$9,478.08
LifeSolutionsLife Cover, TPD, Trauma Plus, Income Protection PlusExtra
99 / 78
$797.83
$9,573.96
OneCareLife Cover, TPD, Trauma Premier Maximiser, IncomeSecure Professional
95 / 77
$802.47
$9,629.64
Commission DetailsDefault Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Printed: 04/04/2019 4:04:02 pm Page 8 of 9Risk Researcher – First Year SummaryPackageIndexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 4:04:02 pm Page 9 of 9Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$10,000
Premium Style: Level
Waiting Period: 30 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 4:06:21 pm Page 1 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Premium Graphs –
Premium Table
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Professionals Choice SuperIncome Super
80 / 49
AP
$204.76
$2,457.12
Insurance Super or Wrap w/ On TrackIncome Super
73 / 31
AAA
$245.45
$2,945.40
Insurance w/ On TrackIncome
84 / 49
AAA
$245.45
$2,945.40
InsuranceIncome
84 / 49
AAA
$258.38
$3,100.56
Insurance Super or WrapIncome Super
73 / 31
AAA
$258.38
$3,100.56
Insurance Super or Wrap w/ On TrackIncome Platinum Super
78 / 38
AAA
$258.51
$3,102.12
Insurance w/ On TrackIncome Platinum
91 / 49
AAA
$258.51
$3,102.12
Printed: 04/04/2019 4:06:21 pm Page 2 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
InsuranceIncome Platinum
91 / 49
AAA
$272.12
$3,265.44
Insurance Super or WrapIncome Platinum Super
78 / 38
AAA
$272.12
$3,265.44
Insurance w/ On TrackIncome w/ Extras
84 / 73
AAA
$277.37
$3,328.44
Professionals ChoiceIncome Protection
96 / 56
AP
$278.54
$3,342.48
CompleteIncome Protection
93 / 60
AA
$289.48
$3,473.76
Accelerated Protection (Super)Income Super
78 / 38
AAA
$290.86
$3,490.32
InsuranceIncome w/ Extras
84 / 73
AAA
$291.96
$3,503.52
Insurance w/ On TrackIncome Platinum w/ Extras
91 / 73
AAA
$292.12
$3,505.44
CompleteIncome Protection w/ Extras
93 / 71
AA
$299.93
$3,599.16
Wealth ProtectionIncome Protector
87 / 69
A1
$300.64
$3,607.68
Protection (Super)IP Super Occ MED to LBC
82 / 40
WCP
$301.77
$3,621.24
Protection (Super)Income Care Super
76 / 33
S
$305.40
$3,664.80
SMSFIncome Care
76 / 29
S
$305.40
$3,664.80
Accelerated ProtectionIncome Protection Standard
93 / 64
AAA
$305.77
$3,669.24
InsuranceIncome Platinum w/ Extras
91 / 73
AAA
$307.49
$3,689.88
Professionals ChoiceIncome w/ Extras
96 / 80
AP
$311.74
$3,740.88
LifeSolutionsIncome Protection
98 / 53
AAA
$311.86
$3,742.32
LifeSolutions SuperIncome Protection Super
89 / 47
AAA
$311.86
$3,742.32
ProtectionIP Standard Occ MED to LBC
93 / 78
WCP
$317.65
$3,811.80
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$321.82
$3,861.84
Printed: 04/04/2019 4:06:21 pm Page 3 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
OneCareIncome Secure Std
93 / 56
P
$321.96
$3,863.52
Elevate (Restricted Access)Income Occ MP to C
89 / 51
AA
$325.61
$3,907.32
ProtectionIncome Care
91 / 40
S
$327.68
$3,932.16
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$336.47
$4,037.64
Priority ProtectionIncome Occ A1 to A4
93 / 53
A1
$337.09
$4,045.08
Accelerated ProtectionIncome Protection Premier
98 / 76
AAA
$341.98
$4,103.76
Wealth ProtectionIncome Protector Plus
96 / 76
A1
$342.08
$4,104.96
LifeSolutionsIncome Protection Extra
98 / 78
AAA
$350.85
$4,210.20
LifeSolutionsIncome Protection Plus
100 / 53
AAA
$350.85
$4,210.20
LifeSolutions SuperIncome Protection Plus Super
91 / 47
AAA
$350.85
$4,210.20
BT Protection PlansIP Occ AA to C
98 / 47
AA
$352.26
$4,227.12
BT Protection Plans SuperIP Super Occ AA to C
87 / 42
AA
$352.26
$4,227.12
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$352.93
$4,235.16
OneCareIncome Secure Comp.
93 / 78
P
$354.24
$4,250.88
ProtectionIP Plus Occ MED to LBC
98 / 78
WCP
$356.26
$4,275.12
ProtectionIncome Care Plus Occ SKJP
93 / 69
S
$362.09
$4,345.08
CompleteIncome Protection Plus Occ AA to A2
96 / 73
AA
$367.41
$4,408.92
OneCareIncome Secure Professional
96 / 78
P
$371.15
$4,453.80
ProtectionIncome Care Platinum Occ SKJP
96 / 69
S
$378.08
$4,536.96
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$384.55
$4,614.60
Printed: 04/04/2019 4:06:21 pm Page 4 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Elevate (Restricted Access)Income Plus Occ. MP to C
89 / 76
AA
$388.05
$4,656.60
LifeSolutionsIncome Protection Plus Extra
100 / 78
AAA
$394.82
$4,737.84
Elevate (Restricted Access)Income Premier
96 / 76
AA
$401.00
$4,812.00
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$404.91
$4,858.92
BT Protection PlansIP Plus Occ AA to A
98 / 76
AA
$411.18
$4,934.16
ProtectIncome Cover w/ Prof Extras
96 / 44
P
$438.11
$5,257.32
Commission DetailsDefault Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 4:06:21 pm Page 5 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$10,000
Premium Style: Level
Waiting Period: 90 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 4:08:19 pm Page 1 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Premium Graphs –
Premium Table
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Professionals Choice SuperIncome Super
80 / 49
AP
$140.03
$1,680.36
Insurance Super or Wrap w/ On TrackIncome Super
73 / 31
AAA
$142.36
$1,708.32
Insurance w/ On TrackIncome
84 / 49
AAA
$142.36
$1,708.32
InsuranceIncome
84 / 49
AAA
$149.86
$1,798.32
Insurance Super or WrapIncome Super
73 / 31
AAA
$149.86
$1,798.32
Insurance Super or Wrap w/ On TrackIncome Platinum Super
78 / 38
AAA
$149.93
$1,799.16
Insurance w/ On TrackIncome Platinum
91 / 49
AAA
$149.93
$1,799.16
Printed: 04/04/2019 4:08:19 pm Page 2 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
InsuranceIncome Platinum
91 / 49
AAA
$157.83
$1,893.96
Insurance Super or WrapIncome Platinum Super
78 / 38
AAA
$157.83
$1,893.96
Insurance w/ On TrackIncome w/ Extras
84 / 73
AAA
$160.87
$1,930.44
InsuranceIncome w/ Extras
84 / 73
AAA
$169.34
$2,032.08
Insurance w/ On TrackIncome Platinum w/ Extras
91 / 73
AAA
$169.42
$2,033.04
CompleteIncome Protection
93 / 60
AA
$177.27
$2,127.24
InsuranceIncome Platinum w/ Extras
91 / 73
AAA
$178.34
$2,140.08
Accelerated Protection (Super)Income Super
78 / 38
AAA
$182.74
$2,192.88
CompleteIncome Protection w/ Extras
93 / 71
AA
$186.56
$2,238.72
Professionals ChoiceIncome Protection
96 / 56
AP
$188.91
$2,266.92
Wealth ProtectionIncome Protector
87 / 69
A1
$190.46
$2,285.52
OneCareIncome Secure Std
93 / 56
P
$191.81
$2,301.72
Accelerated ProtectionIncome Protection Standard
93 / 64
AAA
$191.96
$2,303.52
Protection (Super)IP Super Occ MED to LBC
82 / 40
WCP
$197.24
$2,366.88
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$205.33
$2,463.96
ProtectionIP Standard Occ MED to LBC
93 / 78
WCP
$207.62
$2,491.44
LifeSolutionsIncome Protection
98 / 53
AAA
$209.60
$2,515.20
LifeSolutions SuperIncome Protection Super
89 / 47
AAA
$209.60
$2,515.20
Professionals ChoiceIncome w/ Extras
96 / 80
AP
$210.91
$2,530.92
Priority ProtectionIncome Occ A1 to A4
93 / 53
A1
$211.17
$2,534.04
Printed: 04/04/2019 4:08:19 pm Page 3 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Accelerated ProtectionIncome Protection Premier
98 / 76
AAA
$214.35
$2,572.20
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$214.67
$2,576.04
Wealth ProtectionIncome Protector Plus
96 / 76
A1
$216.16
$2,593.92
Protection (Super)Income Care Super
76 / 33
S
$216.26
$2,595.12
SMSFIncome Care
76 / 29
S
$216.26
$2,595.12
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$221.27
$2,655.24
Elevate (Restricted Access)Income Occ MP to C
89 / 51
AA
$228.27
$2,739.24
OneCareIncome Secure Comp.
93 / 78
P
$230.43
$2,765.16
ProtectionIncome Care
91 / 40
S
$231.85
$2,782.20
BT Protection PlansIP Occ AA to C
98 / 47
AA
$232.07
$2,784.84
BT Protection Plans SuperIP Super Occ AA to C
87 / 42
AA
$232.07
$2,784.84
ProtectionIP Plus Occ MED to LBC
98 / 78
WCP
$232.85
$2,794.20
CompleteIncome Protection Plus Occ AA to A2
96 / 73
AA
$233.72
$2,804.64
LifeSolutionsIncome Protection Extra
98 / 78
AAA
$235.81
$2,829.72
LifeSolutionsIncome Protection Plus
100 / 53
AAA
$235.81
$2,829.72
LifeSolutions SuperIncome Protection Plus Super
91 / 47
AAA
$235.81
$2,829.72
OneCareIncome Secure Professional
96 / 78
P
$241.21
$2,894.52
ProtectionIncome Care Plus Occ SKJP
93 / 69
S
$255.94
$3,071.28
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$261.28
$3,135.36
Elevate (Restricted Access)Income Plus Occ. MP to C
89 / 76
AA
$262.89
$3,154.68
Printed: 04/04/2019 4:08:19 pm Page 4 of 5Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
LifeSolutionsIncome Protection Plus Extra
100 / 78
AAA
$265.35
$3,184.20
ProtectionIncome Care Platinum Occ SKJP
96 / 69
S
$267.13
$3,205.56
BT Protection PlansIP Plus Occ AA to A
98 / 76
AA
$270.95
$3,251.40
Elevate (Restricted Access)Income Premier
96 / 76
AA
$271.55
$3,258.60
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$271.66
$3,259.92
ProtectIncome Cover w/ Prof Extras
96 / 44
P
$289.53
$3,474.36
Commission DetailsDefault Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 4:08:19 pm Page 5 of 5Risk Researcher – First Year SummaryLifePersonal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency: Monthly
Life
$1,000,000
Premium Style: Stepped
Premium Graphs –
Premium TablePrinted: 04/04/2019 4:12:31 pm Page 1 of 4Risk Researcher – First Year SummaryLife
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
Elevate (Restricted Access)Healthy Start Life
93 / 58
$44.35
$532.20
Elevate Super (Restricted Access)Healthy Start Life Super
87 / 58
$44.35
$532.20
Insurance Super or Wrap w/ On TrackLife Cover Super
100 / 67
$47.63
$571.56
Insurance w/ On TrackLife Cover
100 / 71
$47.63
$571.56
BT Protection PlansMy Wellbeing Term Life
100 / 63
$47.82
$573.84
BT Protection Plans SuperMy Wellbeing Term Life
100 / 50
$47.82
$573.84
Priority ProtectionLife Cover
100 / 63
$48.22
$578.64
Priority Protection (Super)Life Super
100 / 46
$48.22
$578.64
ProtectionPreferred Life
100 / 50
$48.32
$579.84
Protection (Super)Preferred Life
100 / 50
$48.32
$579.84
Elevate (Restricted Access)Life Insurance
93 / 58
$48.60
$583.20
Elevate Super (Restricted Access)Life Super
87 / 58
$48.60
$583.20
Accelerated ProtectionHealth Sense Life
93 / 58
$48.83
$585.96
Accelerated Protection (Super)Health Sense Life Super
93 / 58
$48.83
$585.96
CompleteHealthy Life – Life Cover
100 / 63
$48.90
$586.80
Complete (Super)Healthy Life – Life Super
100 / 50
$48.90
$586.80
ProtectHealthy Living – Life
100 / 29
$49.42
$593.04
Protect (Super)Healthy Living – Life
100 / 13
$49.42
$593.04
InsuranceLife Cover
100 / 71
$50.13
$601.56
Printed: 04/04/2019 4:12:31 pm Page 2 of 4Risk Researcher – First Year SummaryLife
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
Insurance Super or WrapLife Cover Super
100 / 67
$50.13
$601.56
Priority Protection Super w/ VitalityLife Super
100 / 58
$50.99
$611.88
Priority Protection w/ VitalityLife Cover
100 / 75
$50.99
$611.88
LifeSolutionsLife Cover
100 / 63
$51.70
$620.40
LifeSolutions SuperLife Cover Super
100 / 63
$51.70
$620.40
Accelerated ProtectionLife
93 / 58
$52.22
$626.64
Accelerated Protection (Super)Life Super
93 / 58
$52.22
$626.64
ProtectionLife Cover
100 / 50
$52.24
$626.88
Protection (Super)Life Cover
100 / 50
$52.24
$626.88
CompleteLife Cover
100 / 63
$53.46
$641.52
Complete (Super)Life Super
100 / 50
$53.46
$641.52
ProtectLife
100 / 29
$54.91
$658.92
Protect (Super)Life
100 / 13
$54.91
$658.92
Wealth ProtectionDeath Cover
100 / 71
$55.85
$670.20
Wealth Protection SuperDeath Cover
100 / 63
$55.85
$670.20
ProtectionLife Care
100 / 63
$55.88
$670.56
Protection (Super)Life Care Super
93 / 25
$55.88
$670.56
SMSFLife Care
100 / 38
$55.88
$670.56
OneCareLife Cover
93 / 54
$57.49
$689.88
OneCare (Super)Life Cover Super
100 / 50
$57.49
$689.88
Printed: 04/04/2019 4:12:31 pm Page 3 of 4Risk Researcher – First Year SummaryLife
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
BT Protection PlansTerm Life
100 / 63
$61.64
$739.68
BT Protection Plans SuperTerm Life Super
100 / 50
$61.64
$739.68
Professionals ChoiceLife
100 / 75
$63.60
$763.20
Professionals Choice SuperLife Super
100 / 75
$63.60
$763.20
Commission DetailsDefault Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 4:12:31 pm Page 4 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)Personal DetailsClient Name: Jack Smith Gender: MaleDate of Birth: 01 July 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $180,000Quote DetailsPremium Frequency: Monthly
Trauma
$1,000,000
Premium Style: SteppedTrauma Cover Type: Stand Alone
Premium Graphs –
Premium TablePrinted: 04/04/2019 3:08:07 pm Page 1 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
OneCareTrauma Severity
55 / 72
$203.16
$2,437.92
BT Protection PlansLiving Insurance
94 / 35
$225.69
$2,708.28
Insurance w/ On TrackSA Critical Illness Plus
88 / 76
$230.59
$2,767.08
InsuranceSA Critical Illness Plus
88 / 76
$242.73
$2,912.76
ProtectTrauma
61 / 55
$247.50
$2,970.00
Priority Protection w/ VitalityCrisis Recovery
97 / 87
$249.68
$2,996.16
CompleteTrauma
88 / 70
$250.13
$3,001.56
OneCareTrauma Comp.
88 / 80
$251.43
$3,017.16
BT Protection PlansLiving Plus
97 / 85
$254.54
$3,054.48
Accelerated ProtectionHealth Sense CI Standard
85 / 75
$256.18
$3,074.16
ProtectionTrauma
100 / 77
$264.90
$3,178.80
OneCareTrauma Premier
94 / 86
$265.42
$3,185.04
Insurance w/ On TrackSA Critical Illness Plus EBO
94 / 84
$269.80
$3,237.60
Accelerated ProtectionHealth Sense CI Premier
94 / 84
$276.24
$3,314.88
Accelerated ProtectionCritical Illness Standard
85 / 75
$276.33
$3,315.96
Professionals ChoiceTrauma
94 / 89
$276.73
$3,320.76
ProtectionTrauma Plus
100 / 82
$277.38
$3,328.56
OneCareTrauma Premier Maximiser
94 / 87
$278.72
$3,344.64
Wealth ProtectionExtended Trauma
91 / 84
$279.92
$3,359.04
Printed: 04/04/2019 3:08:07 pm Page 2 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
CompleteTrauma Plus
94 / 78
$281.40
$3,376.80
Priority ProtectionCrisis Recovery
97 / 84
$281.97
$3,383.64
InsuranceSA Critical Illness Plus EBO
94 / 84
$284.00
$3,408.00
LifeSolutionsTrauma
91 / 82
$284.83
$3,417.96
Wealth ProtectionPlatinum Trauma
91 / 86
$297.39
$3,568.68
Accelerated ProtectionCritical Illness Premier
94 / 84
$298.02
$3,576.24
LifeSolutionsTrauma Plus
97 / 87
$299.08
$3,588.96
ProtectTrauma w/ Ind. Extras
100 / 67
$301.45
$3,617.40
ProtectionPreferred Critical Illness
91 / 75
$314.73
$3,776.76
Elevate (Restricted Access)Trauma
91 / 78
$318.02
$3,816.24
CompleteTrauma Plus w/ Booster
94 / 80
$325.29
$3,903.48
ProtectionCritical Illness
91 / 75
$340.25
$4,083.00
ProtectionPreferred Critical Illness Plus
97 / 83
$340.88
$4,090.56
Elevate (Restricted Access)Trauma Plus
97 / 80
$344.65
$4,135.80
ProtectionCritical Illness Plus
97 / 83
$368.52
$4,422.24
Commission DetailsDefault Commission values have been applied to all premiums.Important NotesQuote Generated on 04/04/2019.The information presented above is only intended to be an estimate of the premium. Advisers must refer to the quotation systems bythe respective underwriters to confirm actual premiums.Some policy options may not be modelled in the above projection – please refer to each product’s calculation notes.Printed: 04/04/2019 3:08:07 pm Page 3 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 3:08:07 pm Page 4 of 4

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