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8 Sep
2019

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Risk Researcher – First Year SummaryPackagePersonal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote 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)
$1,438
Premium Style: Stepped
Waiting Period: 30 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 12:54:03 pm Page 1 of 3Risk 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
$450.39
$5,404.68
Priority Protection w/ VitalityLife Cover, TPD, Crisis Recovery, Income Advantage OccA1 to A4
97 / 78
$452.16
$5,425.92
Priority Protection w/ VitalityLife Cover, TPD, Crisis Recovery, Income Plus Occ A1 toA4
97 / 83
$457.91
$5,494.92
Elevate (Restricted Access)Healthy Start Life, Healthy Start TPD, Trauma, IncomeOcc MP to C
92 / 64
$471.24
$5,654.88
Elevate (Restricted Access)Life Insurance, TPD, Trauma, Income Occ MP to C
92 / 64
$481.83
$5,781.96
Elevate (Restricted Access)Healthy Start Life, Healthy Start TPD, Trauma, IncomePremier
95 / 70
$482.69
$5,792.28
Printed: 04/04/2019 12:54:03 pm Page 2 of 3Risk Researcher – First Year SummaryPackage
Insurer
Packages
General Score
PremiumInstalments
AnnualisedPremium
Elevate (Restricted Access)Healthy Start Life, Healthy Start TPD, Trauma, IncomePlus Occ. MP to C
92 / 70
$482.73
$5,792.76
Elevate (Restricted Access)Life Insurance, TPD, Trauma, Income Premier
95 / 70
$493.28
$5,919.36
Elevate (Restricted Access)Life Insurance, TPD, Trauma, Income Plus Occ. MP to C
92 / 70
$493.32
$5,919.84
Priority ProtectionLife Cover, TPD, Crisis Recovery, Income Occ A1 to A4
96 / 70
$514.77
$6,177.24
Priority ProtectionLife Cover, TPD, Crisis Recovery, Income Advantage OccA1 to A4
97 / 72
$516.68
$6,200.16
Priority ProtectionLife Cover, TPD, Crisis Recovery, Income Plus Occ A1 toA4
97 / 76
$522.91
$6,274.92
Elevate (Restricted Access)Healthy Start Life, Healthy Start TPD, Trauma Plus,Income Occ MP to C
94 / 65
$531.66
$6,379.92
Elevate (Restricted Access)Life Insurance, TPD, Trauma Plus, Income Occ MP to C
94 / 65
$542.25
$6,507.00
Elevate (Restricted Access)Healthy Start Life, Healthy Start TPD, Trauma Plus,Income Premier
96 / 71
$543.11
$6,517.32
Elevate (Restricted Access)Healthy Start Life, Healthy Start TPD, Trauma Plus,Income Plus Occ. MP to C
94 / 71
$543.15
$6,517.80
Elevate (Restricted Access)Life Insurance, TPD, Trauma Plus, Income Premier
96 / 71
$553.70
$6,644.40
Elevate (Restricted Access)Life Insurance, TPD, Trauma Plus, Income Plus Occ. MPto C
94 / 71
$553.74
$6,644.88
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 12:54:03 pm Page 3 of 3Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$1,438
Premium Style: Level
Waiting Period: 90 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 12:44:00 pm Page 1 of 3Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Premium Graphs –
Premium Table
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
BT Protection PlansIP (General)
71 / 22
AA
$27.52
$330.24
Priority ProtectionIncome Occ A1 to A4
93 / 53
A1
$50.61
$607.32
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$53.03
$636.36
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$56.82
$681.84
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$59.06
$708.72
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$65.12
$781.44
Elevate (Restricted Access)Income Occ MP to C
89 / 51
AA
$67.79
$813.48
Printed: 04/04/2019 12:44:00 pm Page 2 of 3Risk 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
$70.24
$842.88
Elevate (Restricted Access)Income Premier
96 / 76
AA
$80.17
$962.04
Elevate (Restricted Access)Income Plus Occ. MP to C
89 / 76
AA
$80.37
$964.44
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 12:44:00 pm Page 3 of 3Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$1,438
Premium Style: Level
Waiting Period: 60 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 12:42:54 pm Page 1 of 3Risk 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
$72.72
$872.64
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$75.58
$906.96
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$77.27
$927.24
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$79.92
$959.04
Elevate (Restricted Access)Income Occ MP to C
89 / 51
AA
$83.95
$1,007.40
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$87.53
$1,050.36
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$90.96
$1,091.52
Printed: 04/04/2019 12:42:54 pm Page 2 of 3Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Elevate (Restricted Access)Income Premier
96 / 76
AA
$99.94
$1,199.28
Elevate (Restricted Access)Income Plus Occ. MP to C
89 / 76
AA
$100.13
$1,201.56
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 12:42:54 pm Page 3 of 3Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$1,438
Premium Style: Level
Waiting Period: 30 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 12:41:46 pm Page 1 of 3Risk 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
$80.79
$969.48
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$84.60
$1,015.20
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$84.73
$1,016.76
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$88.25
$1,059.00
Elevate (Restricted Access)Income Occ MP to C
89 / 51
AA
$94.63
$1,135.56
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$97.05
$1,164.60
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$99.77
$1,197.24
Printed: 04/04/2019 12:41:46 pm Page 2 of 3Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Elevate (Restricted Access)Income Premier
96 / 76
AA
$116.09
$1,393.08
Elevate (Restricted Access)Income Plus Occ. MP to C
89 / 76
AA
$116.37
$1,396.44
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 12:41:46 pm Page 3 of 3Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$1,438
Premium Style: Level
Waiting Period: 14 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 12:40:26 pm Page 1 of 3Risk 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
$118.59
$1,423.08
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$119.69
$1,436.28
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$123.96
$1,487.52
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$124.65
$1,495.80
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$143.74
$1,724.88
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$144.58
$1,734.96
Commission DetailsPrinted: 04/04/2019 12:40:26 pm Page 2 of 3Risk 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 12:40:26 pm Page 3 of 3Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$1,438
Premium Style: Stepped
Waiting Period: 60 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 12:39:04 pm Page 1 of 3Risk 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
$25.40
$304.80
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$26.69
$320.28
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$32.93
$395.16
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$33.50
$402.00
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$34.68
$416.16
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$40.47
$485.64
Elevate (Restricted Access)Income Occ MP to C
89 / 51
AA
$51.56
$618.72
Printed: 04/04/2019 12:39:04 pm Page 2 of 3Risk 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
$64.42
$773.04
Elevate (Restricted Access)Income Premier
96 / 76
AA
$65.01
$780.12
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 12:39:04 pm Page 3 of 3Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$1,438
Premium Style: Stepped
Waiting Period: 30 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 12:37:41 pm Page 1 of 3Risk 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
$38.05
$456.60
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$39.96
$479.52
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$45.19
$542.28
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$46.19
$554.28
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$46.96
$563.52
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$52.71
$632.52
Elevate (Restricted Access)Income Occ MP to C
89 / 51
AA
$59.46
$713.52
Printed: 04/04/2019 12:37:41 pm Page 2 of 3Risk Researcher – First Year SummaryIncome Protection (Agreed Value)
Insurer
Products
General Score
Occ Class
PremiumInstalments
AnnualisedPremium
Elevate (Restricted Access)Income Premier
96 / 76
AA
$70.91
$850.92
Elevate (Restricted Access)Income Plus Occ. MP to C
89 / 76
AA
$70.95
$851.40
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 12:37:41 pm Page 3 of 3Risk Researcher – First Year SummaryIncome Protection (Agreed Value)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
Income Protection(Agreed Value)
$1,438
Premium Style: Stepped
Waiting Period: 14 daysBenefit Period: to Age 65Super-Linked: NoPrinted: 04/04/2019 12:34:13 pm Page 1 of 3Risk 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
$64.68
$776.16
Priority ProtectionIncome Advantage Occ A1 to A4
96 / 60
A1
$67.61
$811.32
Priority Protection w/ VitalityIncome Occ A1 to A4
93 / 60
A1
$69.83
$837.96
Priority Protection w/ VitalityIncome Advantage Occ A1 to A4
96 / 67
A1
$72.53
$870.36
Priority ProtectionIncome Plus Occ A1 to A4
96 / 78
A1
$78.84
$946.08
Priority Protection w/ VitalityIncome Plus Occ A1 to A4
96 / 84
A1
$82.93
$995.16
Commission DetailsPrinted: 04/04/2019 12:34:13 pm Page 2 of 3Risk 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 12:34:13 pm Page 3 of 3Risk Researcher – First Year SummaryTrauma (Stand Alone)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
Trauma
$1,000,000
Premium Style: Level to age 65Trauma Cover Type: Stand Alone
Premium Graphs –
Premium TablePrinted: 04/04/2019 12:08:06 pm Page 1 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
OneCareTrauma Severity
55 / 72
$378.75
$4,545.00
BT Protection PlansLiving Insurance
94 / 35
$453.42
$5,441.04
OneCareTrauma Comp.
88 / 80
$471.11
$5,653.32
ProtectionTrauma
100 / 77
$500.35
$6,004.20
CompleteTrauma
88 / 70
$501.64
$6,019.68
Accelerated ProtectionHealth Sense CI Standard
85 / 75
$518.93
$6,227.16
BT Protection PlansLiving Plus
97 / 85
$526.28
$6,315.36
ProtectionTrauma Plus
100 / 82
$538.90
$6,466.80
Wealth ProtectionExtended Trauma
91 / 84
$539.93
$6,479.16
Professionals ChoiceTrauma
94 / 89
$544.64
$6,535.68
CompleteTrauma Plus
94 / 78
$547.69
$6,572.28
Accelerated ProtectionCritical Illness Standard
85 / 75
$560.38
$6,724.56
Wealth ProtectionPlatinum Trauma
91 / 86
$574.39
$6,892.68
OneCareTrauma Premier
94 / 86
$585.13
$7,021.56
ProtectTrauma
61 / 55
$586.42
$7,037.04
Accelerated ProtectionHealth Sense CI Premier
94 / 84
$589.07
$7,068.84
Elevate (Restricted Access)Trauma
91 / 78
$593.32
$7,119.84
Insurance w/ On TrackSA Critical Illness Plus
88 / 76
$596.32
$7,155.84
InsuranceSA Critical Illness Plus
88 / 76
$627.70
$7,532.40
Printed: 04/04/2019 12:08:06 pm Page 2 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
CompleteTrauma Plus w/ Booster
94 / 80
$630.92
$7,571.04
Accelerated ProtectionCritical Illness Premier
94 / 84
$636.21
$7,634.52
OneCareTrauma Premier Maximiser
94 / 87
$639.01
$7,668.12
ProtectionPreferred Critical Illness
91 / 75
$642.74
$7,712.88
Elevate (Restricted Access)Trauma Plus
97 / 80
$652.87
$7,834.44
Priority Protection w/ VitalityCrisis Recovery
97 / 87
$657.95
$7,895.40
ProtectTrauma w/ Ind. Extras
100 / 67
$689.85
$8,278.20
ProtectionCritical Illness
91 / 75
$694.85
$8,338.20
ProtectionPreferred Critical Illness Plus
97 / 83
$732.06
$8,784.72
Insurance w/ On TrackSA Critical Illness Plus EBO
94 / 84
$745.39
$8,944.68
Priority ProtectionCrisis Recovery
97 / 84
$762.30
$9,147.60
InsuranceSA Critical Illness Plus EBO
94 / 84
$784.63
$9,415.56
LifeSolutionsTrauma
91 / 82
$791.26
$9,495.12
ProtectionCritical Illness Plus
97 / 83
$791.42
$9,497.04
LifeSolutionsTrauma Plus
97 / 87
$830.83
$9,969.96
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 12:08:06 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 12:08:06 pm Page 4 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
Trauma
$1,000,000
Premium Style: SteppedTrauma Cover Type: Stand Alone
Premium Graphs –
Premium TablePrinted: 04/04/2019 12:05:27 pm Page 1 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
OneCareTrauma Severity
55 / 72
$205.26
$2,463.12
OneCareTrauma Comp.
88 / 80
$254.23
$3,050.76
Insurance w/ On TrackSA Critical Illness Plus
88 / 76
$255.38
$3,064.56
BT Protection PlansLiving Insurance
94 / 35
$257.58
$3,090.96
ProtectTrauma
61 / 55
$258.87
$3,106.44
CompleteTrauma
88 / 70
$262.82
$3,153.84
Accelerated ProtectionHealth Sense CI Standard
85 / 75
$264.13
$3,169.56
InsuranceSA Critical Illness Plus
88 / 76
$268.82
$3,225.84
ProtectionTrauma
100 / 77
$272.01
$3,264.12
Accelerated ProtectionCritical Illness Standard
85 / 75
$284.93
$3,419.16
BT Protection PlansLiving Plus
97 / 85
$290.21
$3,482.52
ProtectionTrauma Plus
100 / 82
$294.36
$3,532.32
OneCareTrauma Premier
94 / 86
$296.90
$3,562.80
CompleteTrauma Plus
94 / 78
$300.72
$3,608.64
Accelerated ProtectionHealth Sense CI Premier
94 / 84
$301.32
$3,615.84
Professionals ChoiceTrauma
94 / 89
$314.00
$3,768.00
Priority Protection w/ VitalityCrisis Recovery
97 / 87
$318.49
$3,821.88
Insurance w/ On TrackSA Critical Illness Plus EBO
94 / 84
$319.22
$3,830.64
ProtectionPreferred Critical Illness
91 / 75
$321.29
$3,855.48
Printed: 04/04/2019 12:05:27 pm Page 2 of 4Risk Researcher – First Year SummaryTrauma (Stand Alone)
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
Wealth ProtectionExtended Trauma
91 / 84
$321.41
$3,856.92
Elevate (Restricted Access)Trauma
91 / 78
$323.14
$3,877.68
Accelerated ProtectionCritical Illness Premier
94 / 84
$325.14
$3,901.68
LifeSolutionsTrauma
91 / 82
$330.24
$3,962.88
ProtectTrauma w/ Ind. Extras
100 / 67
$332.49
$3,989.88
InsuranceSA Critical Illness Plus EBO
94 / 84
$336.02
$4,032.24
OneCareTrauma Premier Maximiser
94 / 87
$340.27
$4,083.24
Wealth ProtectionPlatinum Trauma
91 / 86
$341.66
$4,099.92
LifeSolutionsTrauma Plus
97 / 87
$346.75
$4,161.00
ProtectionCritical Illness
91 / 75
$347.34
$4,168.08
Priority ProtectionCrisis Recovery
97 / 84
$362.93
$4,355.16
ProtectionPreferred Critical Illness Plus
97 / 83
$367.30
$4,407.60
CompleteTrauma Plus w/ Booster
94 / 80
$376.71
$4,520.52
Elevate (Restricted Access)Trauma Plus
97 / 80
$383.56
$4,602.72
ProtectionCritical Illness Plus
97 / 83
$397.08
$4,764.96
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 12:05:27 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 12:05:27 pm Page 4 of 4Risk Researcher – First Year SummaryLifePersonal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
Life
$1,000,000
Premium Style: Level to age 65
Premium Graphs –
Premium TablePrinted: 04/04/2019 12:02:03 pm Page 1 of 4Risk Researcher – First Year SummaryLife
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
BT Protection PlansMy Wellbeing Term Life
100 / 63
$78.26
$939.12
BT Protection Plans SuperMy Wellbeing Term Life
100 / 50
$78.26
$939.12
Wealth ProtectionDeath Cover
100 / 71
$85.64
$1,027.68
Wealth Protection SuperDeath Cover
100 / 63
$85.64
$1,027.68
CompleteLife Cover
100 / 63
$92.50
$1,110.00
Complete (Super)Life Super
100 / 50
$92.50
$1,110.00
OneCareLife Cover
93 / 54
$93.10
$1,117.20
OneCare (Super)Life Cover Super
100 / 50
$93.10
$1,117.20
Accelerated ProtectionHealth Sense Life
93 / 58
$94.56
$1,134.72
Accelerated Protection (Super)Health Sense Life Super
93 / 58
$94.56
$1,134.72
Professionals ChoiceLife
100 / 75
$95.04
$1,140.48
Professionals Choice SuperLife Super
100 / 75
$95.04
$1,140.48
BT Protection PlansTerm Life
100 / 63
$95.45
$1,145.40
BT Protection Plans SuperTerm Life Super
100 / 50
$95.45
$1,145.40
Priority Protection Super w/ VitalityLife Super
100 / 58
$95.68
$1,148.16
Priority Protection w/ VitalityLife Cover
100 / 75
$95.68
$1,148.16
ProtectionPreferred Life
100 / 50
$95.99
$1,151.88
Protection (Super)Preferred Life
100 / 50
$95.99
$1,151.88
ProtectionLife Care
100 / 63
$97.31
$1,167.72
Printed: 04/04/2019 12:02:03 pm Page 2 of 4Risk Researcher – First Year SummaryLife
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
Protection (Super)Life Care Super
93 / 25
$97.31
$1,167.72
SMSFLife Care
100 / 38
$97.31
$1,167.72
Priority ProtectionLife Cover
100 / 63
$100.80
$1,209.60
Priority Protection (Super)Life Super
100 / 46
$100.80
$1,209.60
Accelerated ProtectionLife
93 / 58
$101.66
$1,219.92
Accelerated Protection (Super)Life Super
93 / 58
$101.66
$1,219.92
ProtectionLife Cover
100 / 50
$103.78
$1,245.36
Protection (Super)Life Cover
100 / 50
$103.78
$1,245.36
LifeSolutionsLife Cover
100 / 63
$106.65
$1,279.80
LifeSolutions SuperLife Cover Super
100 / 63
$106.65
$1,279.80
Elevate (Restricted Access)Life Insurance
93 / 58
$111.09
$1,333.08
Elevate Super (Restricted Access)Life Super
87 / 58
$111.09
$1,333.08
Insurance Super or Wrap w/ On TrackLife Cover Super
100 / 67
$112.58
$1,350.96
Insurance w/ On TrackLife Cover
100 / 71
$112.58
$1,350.96
ProtectHealthy Living – Life
100 / 29
$112.72
$1,352.64
Protect (Super)Healthy Living – Life
100 / 13
$112.72
$1,352.64
InsuranceLife Cover
100 / 71
$118.51
$1,422.12
Insurance Super or WrapLife Cover Super
100 / 67
$118.51
$1,422.12
ProtectLife
100 / 29
$125.25
$1,503.00
Protect (Super)Life
100 / 13
$125.25
$1,503.00
Printed: 04/04/2019 12:02:03 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 12:02:03 pm Page 4 of 4Risk Researcher – First Year SummaryLifePersonal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
Life
$1,000,000
Premium Style: Stepped
Premium Graphs –
Premium TablePrinted: 04/04/2019 12:00:23 pm Page 1 of 4Risk Researcher – First Year SummaryLife
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
Priority ProtectionLife Cover
100 / 63
$34.69
$416.28
Priority Protection (Super)Life Super
100 / 46
$34.69
$416.28
Elevate (Restricted Access)Healthy Start Life
93 / 58
$35.11
$421.32
Elevate Super (Restricted Access)Healthy Start Life Super
87 / 58
$35.11
$421.32
ProtectionPreferred Life
100 / 50
$35.32
$423.84
Protection (Super)Preferred Life
100 / 50
$35.32
$423.84
Insurance Super or Wrap w/ On TrackLife Cover Super
100 / 67
$36.22
$434.64
Insurance w/ On TrackLife Cover
100 / 71
$36.22
$434.64
BT Protection PlansMy Wellbeing Term Life
100 / 63
$36.41
$436.92
BT Protection Plans SuperMy Wellbeing Term Life
100 / 50
$36.41
$436.92
InsuranceLife Cover
100 / 71
$38.12
$457.44
Insurance Super or WrapLife Cover Super
100 / 67
$38.12
$457.44
ProtectionLife Cover
100 / 50
$38.18
$458.16
Protection (Super)Life Cover
100 / 50
$38.18
$458.16
Elevate (Restricted Access)Life Insurance
93 / 58
$38.34
$460.08
Elevate Super (Restricted Access)Life Super
87 / 58
$38.34
$460.08
Accelerated ProtectionHealth Sense Life
93 / 58
$38.45
$461.40
Accelerated Protection (Super)Health Sense Life Super
93 / 58
$38.45
$461.40
Priority Protection Super w/ VitalityLife Super
100 / 58
$39.48
$473.76
Printed: 04/04/2019 12:00:23 pm Page 2 of 4Risk Researcher – First Year SummaryLife
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
Priority Protection w/ VitalityLife Cover
100 / 75
$39.48
$473.76
CompleteHealthy Life – Life Cover
100 / 63
$39.53
$474.36
Complete (Super)Healthy Life – Life Super
100 / 50
$39.53
$474.36
LifeSolutionsLife Cover
100 / 63
$40.29
$483.48
LifeSolutions SuperLife Cover Super
100 / 63
$40.29
$483.48
ProtectHealthy Living – Life
100 / 29
$40.30
$483.60
Protect (Super)Healthy Living – Life
100 / 13
$40.30
$483.60
Accelerated ProtectionLife
93 / 58
$41.00
$492.00
Accelerated Protection (Super)Life Super
93 / 58
$41.00
$492.00
CompleteLife Cover
100 / 63
$43.04
$516.48
Complete (Super)Life Super
100 / 50
$43.04
$516.48
Wealth ProtectionDeath Cover
100 / 71
$43.70
$524.40
Wealth Protection SuperDeath Cover
100 / 63
$43.70
$524.40
ProtectionLife Care
100 / 63
$44.54
$534.48
Protection (Super)Life Care Super
93 / 25
$44.54
$534.48
SMSFLife Care
100 / 38
$44.54
$534.48
ProtectLife
100 / 29
$44.78
$537.36
Protect (Super)Life
100 / 13
$44.78
$537.36
OneCareLife Cover
93 / 54
$45.40
$544.80
OneCare (Super)Life Cover Super
100 / 50
$45.40
$544.80
Printed: 04/04/2019 12:00:23 pm Page 3 of 4Risk Researcher – First Year SummaryLife
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
BT Protection PlansTerm Life
100 / 63
$48.96
$587.52
BT Protection Plans SuperTerm Life Super
100 / 50
$48.96
$587.52
Professionals ChoiceLife
100 / 75
$48.97
$587.64
Professionals Choice SuperLife Super
100 / 75
$48.97
$587.64
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.Indexation of the sum insured and the policy fee is not included in projections.Printed: 04/04/2019 12:00:23 pm Page 4 of 4Risk Researcher – First Year SummaryTPD (Stand Alone)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
TPD
$1,000,000
Premium Style: Level to age 65TPD Definition: OwnTPD Cover Type: Stand Alone
Premium Graphs –
Printed: 04/04/2019 11:56:28 am Page 1 of 3Risk Researcher – First Year SummaryTPD (Stand Alone)Premium Table
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
Wealth ProtectionEssential TPD
100 / 52
$187.20
$2,246.40
ProtectionTPD
94 / 48
$195.06
$2,340.72
OneCareTPD
100 / 52
$200.84
$2,410.08
Professionals ChoiceTPD
100 / 67
$215.60
$2,587.20
BT Protection PlansTPD
100 / 38
$227.21
$2,726.52
CompleteTPD
94 / 38
$227.33
$2,727.96
Insurance w/ On TrackTPD
89 / 52
$227.74
$2,732.88
Wealth ProtectionPlatinum TPD
100 / 57
$229.14
$2,749.68
Priority Protection w/ VitalityTPD
100 / 67
$232.99
$2,795.88
Elevate (Restricted Access)TPD
100 / 38
$236.65
$2,839.80
ProtectHealthy Living – TPD
100 / 24
$237.85
$2,854.20
InsuranceTPD
89 / 52
$239.73
$2,876.76
LifeSolutionsTPD
100 / 52
$245.34
$2,944.08
ProtectionPreferred TPD
100 / 38
$255.20
$3,062.40
Accelerated ProtectionHealth Sense TPD
100 / 38
$255.39
$3,064.68
ProtectHealthy Living – TPD w/ Emp. Extras
83 / 33
$262.34
$3,148.08
Priority ProtectionTPD
100 / 52
$262.35
$3,148.20
ProtectTPD
100 / 24
$264.28
$3,171.36
Printed: 04/04/2019 11:56:28 am Page 2 of 3Risk Researcher – First Year SummaryTPD (Stand Alone)
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
Accelerated ProtectionTPD
100 / 38
$275.47
$3,305.64
ProtectionTPD
100 / 38
$275.89
$3,310.68
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 11:56:28 am Page 3 of 3Risk Researcher – First Year SummaryTPD (Stand Alone)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
TPD
$1,000,000
Premium Style: SteppedTPD Definition: OwnTPD Cover Type: Stand Alone
Premium Graphs –
Printed: 04/04/2019 11:54:11 am Page 1 of 3Risk Researcher – First Year SummaryTPD (Stand Alone)Premium Table
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
ProtectHealthy Living – TPD
100 / 24
$72.53
$870.36
Elevate (Restricted Access)Healthy Start TPD
100 / 38
$73.00
$876.00
OneCareTPD
100 / 52
$73.02
$876.24
CompleteHealthy Life – TPD
94 / 38
$73.50
$882.00
Wealth ProtectionEssential TPD
100 / 52
$77.20
$926.40
Priority Protection w/ VitalityTPD
100 / 67
$77.23
$926.76
Accelerated ProtectionHealth Sense TPD
100 / 38
$77.25
$927.00
Insurance w/ On TrackTPD
89 / 52
$77.36
$928.32
Priority ProtectionTPD
100 / 52
$79.10
$949.20
Elevate (Restricted Access)TPD
100 / 38
$80.36
$964.32
ProtectTPD
100 / 24
$80.60
$967.20
CompleteTPD
94 / 38
$80.71
$968.52
LifeSolutionsTPD
100 / 52
$80.78
$969.36
BT Protection PlansTPD
100 / 38
$81.08
$972.96
InsuranceTPD
89 / 52
$81.43
$977.16
ProtectionTPD
94 / 48
$81.64
$979.68
ProtectHealthy Living – TPD w/ Emp. Extras
83 / 33
$81.76
$981.12
Accelerated ProtectionTPD
100 / 38
$82.90
$994.80
Printed: 04/04/2019 11:54:11 am Page 2 of 3Risk Researcher – First Year SummaryTPD (Stand Alone)
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
ProtectionPreferred TPD
100 / 38
$83.93
$1,007.16
Professionals ChoiceTPD
100 / 67
$87.48
$1,049.76
ProtectionTPD
100 / 38
$90.74
$1,088.88
Wealth ProtectionPlatinum TPD
100 / 57
$92.70
$1,112.40
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 11:54:11 am Page 3 of 3Risk Researcher – First Year SummaryTPD (Stand Alone)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
TPD
$1,000,000
Premium Style: Level to age 65TPD Definition: AnyTPD Cover Type: Stand Alone
Premium Graphs –
Printed: 04/04/2019 11:49:59 am Page 1 of 4Risk Researcher – First Year SummaryTPD (Stand Alone)Premium Table
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
ProtectionTPD
94 / 48
$132.79
$1,593.48
SMSFTPD Cover
72 / 38
$132.79
$1,593.48
Wealth ProtectionEssential TPD
100 / 52
$134.24
$1,610.88
Wealth Protection SuperEssential TPD
78 / 43
$134.24
$1,610.88
OneCareTPD
100 / 52
$145.93
$1,751.16
OneCare (Super)TPD
78 / 43
$145.93
$1,751.16
Insurance w/ On TrackTPD
94 / 52
$151.83
$1,821.96
CompleteTPD
94 / 38
$152.38
$1,828.56
Complete (Super)TPD
72 / 29
$152.38
$1,828.56
Professionals Choice SuperTPD
78 / 57
$154.80
$1,857.60
InsuranceTPD
94 / 52
$159.82
$1,917.84
LifeSolutionsTPD
100 / 52
$163.56
$1,962.72
LifeSolutions SuperTPD Cover
78 / 43
$163.56
$1,962.72
Priority Protection Super w/ VitalityTPD
78 / 43
$164.00
$1,968.00
Priority Protection w/ VitalityTPD
100 / 67
$164.00
$1,968.00
BT Protection PlansTPD
100 / 38
$164.77
$1,977.24
Professionals ChoiceTPD
100 / 67
$164.93
$1,979.16
Elevate (Restricted Access)TPD
100 / 38
$165.28
$1,983.36
Printed: 04/04/2019 11:49:59 am Page 2 of 4Risk Researcher – First Year SummaryTPD (Stand Alone)
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
Elevate Super (Restricted Access)TPD
78 / 38
$165.64
$1,987.68
ProtectionPreferred TPD
100 / 38
$170.13
$2,041.56
Protection (Super)Preferred TPD
78 / 29
$170.13
$2,041.56
Accelerated ProtectionHealth Sense TPD
100 / 38
$172.83
$2,073.96
Accelerated Protection (Super)Health Sense TPD
78 / 29
$172.83
$2,073.96
ProtectHealthy Living – TPD
94 / 24
$173.98
$2,087.76
Protect (Super)Healthy Living – TPD
78 / 24
$173.98
$2,087.76
Wealth ProtectionPlatinum TPD
100 / 57
$176.19
$2,114.28
Priority ProtectionTPD
100 / 52
$181.17
$2,174.04
Priority Protection (Super)TPD
78 / 29
$181.17
$2,174.04
ProtectionTPD
100 / 38
$183.93
$2,207.16
Protection (Super)TPD
78 / 29
$183.93
$2,207.16
Accelerated ProtectionTPD
100 / 38
$186.22
$2,234.64
Accelerated Protection (Super)TPD
78 / 29
$186.22
$2,234.64
ProtectTPD
94 / 24
$193.31
$2,319.72
Protect (Super)TPD
78 / 24
$193.31
$2,319.72
ProtectHealthy Living – TPD w/ Emp. Extras
100 / 33
$198.46
$2,381.52
ProtectTPD w/ Emp. Extras
100 / 33
$220.52
$2,646.24
Commission DetailsDefault Commission values have been applied to all premiums.Printed: 04/04/2019 11:49:59 am Page 3 of 4Risk Researcher – First Year SummaryTPD (Stand Alone)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 11:49:59 am Page 4 of 4Risk Researcher – First Year SummaryTPD (Stand Alone)Personal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency: Monthly
TPD
$1,000,000
Premium Style: SteppedTPD Definition: OwnTPD Cover Type: Stand Alone
Premium Graphs –
Printed: 04/04/2019 11:46:12 am Page 1 of 3Risk Researcher – First Year SummaryTPD (Stand Alone)Premium Table
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
ProtectHealthy Living – TPD
100 / 24
$72.53
$870.36
Elevate (Restricted Access)Healthy Start TPD
100 / 38
$73.00
$876.00
OneCareTPD
100 / 52
$73.02
$876.24
CompleteHealthy Life – TPD
94 / 38
$73.50
$882.00
Wealth ProtectionEssential TPD
100 / 52
$77.20
$926.40
Priority Protection w/ VitalityTPD
100 / 67
$77.23
$926.76
Accelerated ProtectionHealth Sense TPD
100 / 38
$77.25
$927.00
Insurance w/ On TrackTPD
89 / 52
$77.36
$928.32
Priority ProtectionTPD
100 / 52
$79.10
$949.20
Elevate (Restricted Access)TPD
100 / 38
$80.36
$964.32
ProtectTPD
100 / 24
$80.60
$967.20
CompleteTPD
94 / 38
$80.71
$968.52
LifeSolutionsTPD
100 / 52
$80.78
$969.36
BT Protection PlansTPD
100 / 38
$81.08
$972.96
InsuranceTPD
89 / 52
$81.43
$977.16
ProtectionTPD
94 / 48
$81.64
$979.68
ProtectHealthy Living – TPD w/ Emp. Extras
83 / 33
$81.76
$981.12
Accelerated ProtectionTPD
100 / 38
$82.90
$994.80
Printed: 04/04/2019 11:46:12 am Page 2 of 3Risk Researcher – First Year SummaryTPD (Stand Alone)
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
ProtectionPreferred TPD
100 / 38
$83.93
$1,007.16
Professionals ChoiceTPD
100 / 67
$87.48
$1,049.76
ProtectionTPD
100 / 38
$90.74
$1,088.88
Wealth ProtectionPlatinum TPD
100 / 57
$92.70
$1,112.40
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 11:46:12 am Page 3 of 3Risk Researcher – First Year SummaryLife with linked TPDPersonal DetailsClient Name: May Smith Gender: FemaleDate of Birth: 14 October 1978 Smoker Status: Non-SmokerOccupation: 1A – White Collar Professional –Uni Qualified & Prof Assoc.Self Employed: NoHome State: VIC Annual Income: $23,000Quote DetailsPremium Frequency (Super): MonthlyPremium Frequency (Non-super): Monthly
Life
$1,000,000
Premium Style: Stepped
Flexi-Linked TPD
$1,000,000
Premium Style: SteppedTPD Definition: AnyPrinted: 04/04/2019 11:40:29 am Page 1 of 4Risk Researcher – First Year SummaryLife with linked TPD
Premium Graphs –
Premium Table
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
Insurance Super or Wrap w/ On TrackLife Cover Super & TPD
94 / 72
$70.18
$842.16
Priority Protection Super w/ VitalityLife Super & TPD
94 / 61
$71.91
$862.92
Protection (Super)Preferred Life & TPD
94 / 64
$71.92
$863.04
Priority Protection (Super)Life Super & TPD
94 / 53
$72.85
$874.20
Elevate Super (Restricted Access)Healthy Start Life Super & TPD
91 / 67
$73.81
$885.72
Insurance Super or WrapLife Cover Super & TPD
94 / 72
$73.87
$886.44
Accelerated Protection (Super)Health Sense Life Super & TPD
91 / 69
$76.47
$917.64
Printed: 04/04/2019 11:40:29 am Page 2 of 4Risk Researcher – First Year SummaryLife with linked TPD
Insurer
Products
General Score
PremiumInstalments
AnnualisedPremium
Complete (Super)Healthy Life – Life Super & TPD
91 / 64
$77.03
$924.36
Protection (Super)Life Cover & TPD
94 / 64
$77.75
$933.00
BT Protection Plans SuperMy Wellbeing Term Life & TPD
97 / 64
$80.05
$960.60
Elevate Super (Restricted Access)Life Super & TPD
91 / 67
$81.28
$975.36
Wealth Protection SuperDeath Cover & Essential TPD
94 / 72
$81.41
$976.92
Accelerated Protection (Super)Life Super & TPD
91 / 69
$82.10
$985.20
Protect (Super)Healthy Living – Life & TPD
97 / 22
$82.85
$994.20
OneCare (Super)Life Cover Super & TPD
94 / 64
$82.94
$995.28
LifeSolutions SuperLife Cover Super & TPD Cover
94 / 72
$83.38
$1,000.56
Complete (Super)Life Super & TPD
91 / 64
$84.71
$1,016.52
Protection (Super)Life Care Super & TPD Cover
88 / 33
$86.47
$1,037.64
SMSFLife Care & TPD Cover
91 / 44
$86.47
$1,037.64
Protect (Super)Life & TPD
97 / 22
$92.06
$1,104.72
Protect (Super)Healthy Living – Life & TPD w/ Emp. Extras
100 / 28
$93.10
$1,117.20
Wealth Protection SuperDeath Cover & Platinum TPD
94 / 75
$94.56
$1,134.72
BT Protection Plans SuperTerm Life Super & TPD
97 / 64
$97.45
$1,169.40
Protect (Super)Life & TPD w/ Emp. Extras
100 / 28
$103.45
$1,241.40
Professionals Choice SuperLife Super & TPD
94 / 81
$106.42
$1,277.04
Commission DetailsDefault Commission values have been applied to all premiums.Printed: 04/04/2019 11:40:29 am Page 3 of 4Risk Researcher – First Year SummaryLife with linked TPDImportant 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 11:40:29 am Page 4 of 4

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