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Unitised Cover

The default cover type is unitised cover. This means that the amount of Death and TPD cover provided per unit will change with your age, however your monthly premium will remain fixed.

The amount of cover provided by each unit depends on your age and occupation rating, as follows:

Insured Benefit provided per unit
Age Next Birthday Standard Occupation White Collar Occupation Professional Occupation
Death TPD Death TPD Death TPD
Up to 24 $11,250 $27,000 $22,500 $54,000 $27,000 $64,800
25-31 $33,333 $27,000 $66,667 $54,000 $80,000 $64,800
32-37 $46,667 $30,000 $93,333 $60,000 $112,000 $72,000
38 $46,667 $28,500 $93,333 $57,000 $112,000 $68,400
39 $45,000 $27,000 $90,000 $54,000 $108,000 $64,800
40 $40,000 $24,000 $80,000 $48,000 $96,000 $57,600
41 $35,000 $21,000 $70,000 $42,000 $84,000 $50,400
42 $31,000 $18,600 $62,000 $37,200 $74,400 $44,640
43 $29,000 $17,191 $58,000 $34,383 $69,600 $41,259
44 $28,333 $17,191 $56,667 $34,383 $68,000 $41,259
45 $27,667 $17,191 $55,333 $34,383 $66,400 $41,259
46 $26,000 $15,600 $52,000 $31,200 $62,400 $37,440
47 $23,000 $13,800 $46,000 $27,600 $55,200 $33,120
48 $20,000 $11,489 $40,000 $22,979 $48,000 $27,574
49 $18,333 $11,489 $36,667 $22,979 $44,000 $27,574
50 $17,667 $11,489 $35,333 $22,979 $42,400 $27,574
51 $17,000 $10,200 $34,000 $20,400 $40,800 $24,480
52 $14,500 $8,700 $29,000 $17,400 $34,800 $20,880
53 $12,340 $7,404 $24,680 $14,808 $29,616 $17,770
54 $10,000 $7,404 $20,000 $14,808 $24,000 $17,770
55 $12,340 $7,404 $24,680 $14,808 $29,616 $17,770
56 $10,500 $6,300 $21,000 $12,600 $25,200 $15,120
57 $9,000 $5,400 $18,000 $10,800 $21,600 $12,960
58 $7,500 $4,500 $15,000 $9,000 $18,000 $10,800
59 $6,250 $3,405 $12,500 $6,809 $15,000 $8,171
60 $5,000 $3,405 $10,000 $6,809 $12,000 $8,171
61 $4,500 $3,405 $9,000 $6,809 $10,800 $8,171
62 $4,000 $3,405 $8,000 $6,809 $9,600 $8,171
63 $3,500 $3,405 $7,000 $6,809 $8,400 $8,171
64 $3,000 $3,405 $6,000 $6,809 $7,200 $8,171
65 $2,500 $3,405 $5,000 $6,809 $6,000 $8,171
66 $2,250 $1,270 $4,500 $2,539 $5,400 $3,047
67 $2,000 $1,117 $4,000 $2,233 $4,800 $2,680
68 $1,750 $981 $3,500 $1,962 $4,200 $2,354
69 $1,500 $862 $3,000 $1,724 $3,600 $2,069
70 $1,250 $757 $2,500 $1,514 $3,000 $1,817

Each unit of cover has the following premium cost:

Type of Cover Cost (per week including stamp duty)
Death and TPD $1.37
Death only $0.66
TPD only $0.80

Rates correct as at 1 July 2017.