life insurance star ratings · life insurance star ra ngs 2016 ‐ page 1 1 premiums will be...
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Life Insurance Star RatingsStand Alone Trauma
1
Stepped Twenties Professional Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
ClearView Trauma O
MLC Insurance Standalone Cri cal Illness O O
AIA Australia Crisis Recovery O O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Asgard Capital Mgnt Trauma Protec on
Life Insurance Star Ra ngs 2016 ‐ Page 1Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Twenties Professional Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
AIA Australia Crisis Recovery O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
ClearView Trauma O
CommInsure Total Care Plan O O
OnePath OneCare Trauma Cover O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
Zurich Australia SA Trauma Insurance O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 2Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Twenties Managerial Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
ClearView Trauma O
ClearView Trauma O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Asgard Capital Mgnt Trauma Protec on
Life Insurance Star Ra ngs 2016 ‐ Page 3Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Twenties Managerial Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
ClearView Trauma O
CommInsure Total Care Plan O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 4Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Twenties Light Manual Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
ClearView Trauma O
ClearView Trauma O
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 5Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Twenties Light Manual Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
ClearView Trauma O
CommInsure Total Care Plan O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 6Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Twenties Blue Collar Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
ClearView Trauma O
ClearView Trauma O
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 7Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Twenties Blue Collar Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
ClearView Trauma O
CommInsure Total Care Plan O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 8Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Thirties Professional Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
BT Standalone Living Insurance O
ClearView Trauma O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
BT Standalone Living Insurance O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Asgard Capital Mgnt Trauma Protec on
Life Insurance Star Ra ngs 2016 ‐ Page 9Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Thirties Professional Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 10Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Thirties Managerial Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
BT Standalone Living Insurance O
ClearView Trauma O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
BT Standalone Living Insurance O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Asgard Capital Mgnt Trauma Protec on
Life Insurance Star Ra ngs 2016 ‐ Page 11Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Thirties Managerial Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 12Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Thirties Light Manual Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
ClearView Trauma O
MLC Insurance Standalone Cri cal Illness O O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 13Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Thirties Light Manual Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
AIA Australia Crisis Recovery O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 14Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Thirties Blue Collar Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
ClearView Trauma O
MLC Insurance Standalone Cri cal Illness O O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 15Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Thirties Blue Collar Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
AIA Australia Crisis Recovery O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 16Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Forties Professional Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
BT Standalone Living Insurance O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
Asteron Life Stand Alone Trauma O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 17Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Forties Professional Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AMP Life Flexible Life Time Prot‐Cris
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 18Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Forties Managerial Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
BT Standalone Living Insurance O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
Asteron Life Stand Alone Trauma O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 19Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Forties Managerial Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AMP Life Flexible Life Time Prot‐Cris
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 20Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Forties Light Manual Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 21Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Forties Light Manual Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Macquarie Life FutureWise Trauma Insurance O O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
BT Standalone Living Insurance O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 22Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Forties Blue Collar Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asgard Capital Mgnt Trauma Protec on
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 23Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Forties Blue Collar Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Macquarie Life FutureWise Trauma Insurance O O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Asgard Capital Mgnt Trauma Protec on
BT Standalone Living Insurance O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 24Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Fifties Professional Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asgard Capital Mgnt Trauma Protec on
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 25Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Fifties Professional Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
AMP Life Flexible Life Time Prot‐Cris
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
TAL Standalone Cri cal Illness O
Zurich Australia SA Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 26Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Fifties Managerial Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asgard Capital Mgnt Trauma Protec on
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 27Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Fifties Managerial Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
AMP Life Flexible Life Time Prot‐Cris
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
TAL Standalone Cri cal Illness O
Zurich Australia SA Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 28Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Fifties Light Manual Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 29Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Fifties Light Manual Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
TAL Standalone Cri cal Illness O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 30Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Fifties Blue Collar Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 31Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Stepped Fifties Blue Collar Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AIA Australia Crisis Recovery O O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asgard Capital Mgnt Trauma Protec on
Asgard Capital Mgnt Trauma Protec on
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
TAL Standalone Cri cal Illness O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 32Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Twenties Professional Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
ClearView Trauma O
OnePath OneCare Trauma Cover O O
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
CommInsure Total Care Plan O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 33Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Twenties Professional Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
BT Standalone Living Insurance O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 34Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Twenties Managerial Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
ClearView Trauma O
OnePath OneCare Trauma Cover O O
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
CommInsure Total Care Plan O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 35Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Twenties Managerial Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
BT Standalone Living Insurance O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 36Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Twenties Light Manual Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
OnePath OneCare Trauma Cover O O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 37Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Twenties Light Manual Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
ClearView Trauma O
OnePath OneCare Trauma Cover O O
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 38Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Twenties Blue Collar Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
ClearView Trauma O
OnePath OneCare Trauma Cover O O
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 39Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Twenties Blue Collar Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
ClearView Trauma O
OnePath OneCare Trauma Cover O O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 40Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Thirties Professional Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 41Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Thirties Professional Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O
AMP Elevate SA Trauma Recovery Plan O O
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 42Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Thirties Managerial Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 43Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Thirties Managerial Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O
AMP Elevate SA Trauma Recovery Plan O O
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 44Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Thirties Light Manual Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 45Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Thirties Light Manual Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O
AMP Elevate SA Trauma Recovery Plan O O
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 46Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Thirties Blue Collar Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 47Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Thirties Blue Collar Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O
AMP Elevate SA Trauma Recovery Plan O O
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 48Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Forties Professional Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 49Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Forties Professional Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
ClearView Trauma O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 50Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Forties Managerial Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
BT Standalone Living Insurance O
BT Standalone Living Insurance O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
ClearView Trauma O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 51Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Forties Managerial Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
ClearView Trauma O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 52Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Forties Light Manual Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 53Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Forties Light Manual Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
CommInsure Total Care Plan O O
OnePath OneCare Trauma Cover O O
AMP Life Flexible Life Time Prot‐Cris
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
TAL Standalone Cri cal Illness O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 54Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Forties Blue Collar Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AMP Life Flexible Life Time Prot‐Cris
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
CommInsure Total Care Plan O O
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 55Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Forties Blue Collar Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
CommInsure Total Care Plan O O
OnePath OneCare Trauma Cover O O
AMP Life Flexible Life Time Prot‐Cris
CommInsure Total Care Plan O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
TAL Standalone Cri cal Illness O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 56Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Fifties Professional Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AMP Life Flexible Life Time Prot‐Cris
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
BT Standalone Living Insurance O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 57Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Fifties Professional Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
AIA Australia Crisis Recovery O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 58Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Fifties Managerial Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
AMP Life Flexible Life Time Prot‐Cris
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
BT Standalone Living Insurance O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
OnePath OneCare Trauma Cover O O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
ClearView Trauma O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 59Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Fifties Managerial Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
AIA Australia Crisis Recovery O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 60Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Fifties Light Manual Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Life Flexible Life Time Prot‐Cris
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 61Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Fifties Light Manual Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
AIA Australia Crisis Recovery O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 62Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Fifties Blue Collar Male
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AIA Australia Crisis Recovery O O
AMP Life Flexible Life Time Prot‐Cris
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
Macquarie Life FutureWise Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
OnePath OneCare Trauma Cover O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 63Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.
Life Insurance Star RatingsStand Alone Trauma
1
Level Fifties Blue Collar Female
Company ProductStepped
2
Level
Premiums Guaranteed Future
Insurability
Future Underwri ng Available
Sum Insured Indexa on Available
We endeavour to include the majority of product providers in the market and to compare the product features most relevant to consumers in our ratings. This is not always possible and it may be that not every product in the market is included in the rating nor every feature
Trauma Reinstatement
Available43
"Outstanding Value"
OnePath OneCare Trauma Cover O O O
OnePath OneCare Trauma Cover O O
AIA Australia Crisis Recovery O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
Macquarie Life FutureWise Trauma Insurance O O
OnePath OneCare Trauma Cover O O
TAL Standalone Cri cal Illness O
TAL Standalone Cri cal Illness O
AMP Elevate SA Trauma Recovery Plan O O
AMP Elevate SA Trauma Recovery Plan O O
AMP Life Flexible Life Time Prot‐Cris
AMP Life Flexible Life Time Prot‐Cris
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
Asteron Life Stand Alone Trauma O O
BT Standalone Living Insurance O
BT Standalone Living Insurance O
ClearView Trauma O
ClearView Trauma O
Zurich Australia SA Trauma Insurance O O
Zurich Australia SA Trauma Insurance O O
MLC Insurance Standalone Cri cal Illness O O
MLC Insurance Standalone Cri cal Illness O O
Zurich Australia SA Trauma Insurance O
Life Insurance Star Ra ngs 2016 ‐ Page 64Report Date: August, 2016. (All informa on is correct as at August 2016.)
1 Premiums will be recalculated (and will usually increase) on each policy anniversary based on your age at that me.
Op onal
4 An advanced payment amount to help fund the expenses associated with a funeral.
2 Premiums will be calculated based on your age at the start of the policy.3 An ability to increase the sum insured without medical evidence.