Life Insurance Star RatingsIncome Protection

1

Stepped Twenties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Advantage Op onal O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Plus O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asgard Capital Mgnt Income Protec on O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

CommInsure Income Care O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num with Extras O

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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Twenties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

CommInsure Income Care Plus O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Twenties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

AIA Australia Income Protec on Advantage Op onal O

AMP Elevate Income Insurance Plan O

Asgard Capital Mgnt Income Protec on O

Asteron Life Income Protec on O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

CommInsure Income Care O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num with Extras O

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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Twenties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

CommInsure Income Care Plus O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Twenties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AMP Elevate Income Insurance Plan O

Asgard Capital Mgnt Income Protec on O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

CommInsure Income Care O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

MLC Insurance Income Protec on Pla num O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Twenties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Twenties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

Asgard Capital Mgnt Income Protec on O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Advantage Op onal O

AMP Elevate Income Insurance Plan O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

CommInsure Income Care O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

Asteron Life Income Protec on O

BT Income Protec on Plus O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Twenties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Twenties Light Manual Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

CommInsure Income Care O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asgard Capital Mgnt Income Protec on O

CommInsure Income Care Plus O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on Plus O

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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Twenties Light Manual Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

Asteron Life Income Protec on O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Life Flex Lt Inc. Cont. Standard O

Asgard Capital Mgnt Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

CommInsure Income Care O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

CommInsure Income Care Plus O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Twenties Blue Collar Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AMP Elevate Income Insurance Plan O

CommInsure Income Care O

AMP Elevate Elevate Income Insurance Prem O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

TAL Income Protec on Plan Standard O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on O

BT Income Protec on Plus O

CommInsure Income Care Plus O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on PLUS Op onal O

Asteron Life Income Protec on Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Twenties Blue Collar Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

TAL Income Protec on Plan Standard O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

BT Income Protec on Standard O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

CommInsure Income Care O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

AIA Australia Income Protec on Advantage Op onal O

MLC Insurance Income Protec on with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Thirties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asgard Capital Mgnt Income Protec on O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

CommInsure Income Care O

CommInsure Income Care Plus O

MLC Insurance Income Protec on 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Thirties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Thirties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

AIA Australia Income Protec on Advantage Op onal O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Plus O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asgard Capital Mgnt Income Protec on O

CommInsure Income Care O

MLC Insurance Income Protec on 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Thirties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

CommInsure Income Care Plus O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Thirties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

Macquarie Life FutureWise Disability Income Plus O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plus O

BT Income Protec on Plus O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

CommInsure Income Care O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asgard Capital Mgnt Income Protec on O

CommInsure Income Care Plus O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Thirties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

OnePath OneCare Income Sec, Comp O

Asteron Life Income Protec on Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Thirties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AMP Elevate Income Insurance Plan O

Macquarie Life FutureWise Disability Income Plus O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

Asteron Life Income Protec on O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus with Extra O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plus O

BT Income Protec on Plus O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

CommInsure Income Care O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Standard O

Asgard Capital Mgnt Income Protec on O

CommInsure Income Care Plus O

MLC Insurance Income Protec on with Extras O

OnePath OneCare Income Sec, Comp 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Thirties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Thirties Light Manual Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

Macquarie Life FutureWise Disability Income Insurance O

TAL Income Protec on Plan Standard O

BT Income Protec on Standard O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

BT Income Protec on Plus O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

CommInsure Income Care O

CommInsure Income Care Plus O

Asgard Capital Mgnt Income Protec on O

Asteron Life Income Protec on Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Thirties Light Manual Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

Asteron Life Income Protec on O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

Zurich Australia Income Protector O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

BT Income Protec on Plus O

BT Income Protec on Standard O

CommInsure Income Care O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

Zurich Australia Income Protector Plus O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

Asgard Capital Mgnt Income Protec on O

CommInsure Income Care Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Thirties Blue Collar Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Elevate Income Insurance Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

TAL Income Protec on Plan Standard O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on O

BT Income Protec on Plus O

CommInsure Income Care O

CommInsure Income Care Plus O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

MLC Insurance Income Protec on with Extras O

AIA Australia Income Protec on Plan 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Thirties Blue Collar Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

Asteron Life Income Protec on O

ClearView Income Protec on Cover O

AMP Elevate Income Insurance Plan O

BT Income Protec on Standard O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

CommInsure Income Care O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

CommInsure Income Care Plus O

MLC Insurance Income Protec on with Extras O

AIA Australia Income Protec on Plan 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Forties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

Asteron Life Income Protec on O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Plus O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Plan O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asgard Capital Mgnt Income Protec on O

CommInsure Income Care O

CommInsure Income Care Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Forties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Forties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AIA Australia Income Protec on Advantage Op onal O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

TAL Income Protec on Plan Premier O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asgard Capital Mgnt Income Protec on O

CommInsure Income Care O

CommInsure Income Care Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Forties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Forties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

OnePath OneCare Income Sec. Prof O

AIA Australia Income Protec on Plan O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asgard Capital Mgnt Income Protec on O

CommInsure Income Care 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Forties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Forties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AMP Elevate Income Insurance Plan O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

Asteron Life Income Protec on O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

TAL Income Protec on Plan Premier O

AMP Elevate Income Insurance Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Cover with Extras O

ClearView Income Protec on Plus Cover with Extras O

CommInsure Income Care O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on Plus O

CommInsure Income Care Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Forties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

AMP Life Flex Lt Inc. Cont. Standard O

Asgard Capital Mgnt Income Protec on 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Forties Light Manual Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

TAL Income Protec on Plan Standard O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Advantage Op onal O

AMP Elevate Income Insurance Plan O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

OnePath OneCare Income Sec, Comp O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

CommInsure Income Care O

CommInsure Income Care Plus O

Asgard Capital Mgnt Income Protec on 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Forties Light Manual Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Advantage Op onal O

Asteron Life Income Protec on O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Elevate Income Insurance Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

CommInsure Income Care O

Asgard Capital Mgnt Income Protec on O

CommInsure Income Care Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Forties Blue Collar Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

CommInsure Income Care Plus O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Plan O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

CommInsure Income Care O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Forties Blue Collar Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Plan O

AMP Life Flex Lt Inc. Cont. Standard O

CommInsure Income Care O

CommInsure Income Care Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Fifties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AIA Australia Income Protec on Advantage Op onal O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec. Prof O

TAL Income Protec on Plan Premier O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Plan O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asgard Capital Mgnt Income Protec on O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

CommInsure Income Care O

CommInsure Income Care Plus O

MLC Insurance Income Protec on 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Fifties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Fifties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

TAL Income Protec on Plan Premier O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asgard Capital Mgnt Income Protec on O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

CommInsure Income Care O

CommInsure Income Care Plus O

MLC Insurance Income Protec on 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Fifties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Fifties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

OnePath OneCare Income Sec. Prof O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asgard Capital Mgnt Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

CommInsure Income Care O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Fifties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Fifties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AIA Australia Income Protec on Advantage Op onal O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plan O

Asgard Capital Mgnt Income Protec on O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Plus O

AMP Elevate Elevate Income Insurance Prem O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

CommInsure Income Care O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

CommInsure Income Care Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Fifties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Fifties Light Manual Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

Zurich Australia Income Protector Plus O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

Zurich Australia Income Protector O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

AMP Life Flex Lt Inc. Cont. Advances O

Asgard Capital Mgnt Income Protec on O

Asteron Life Income Protec on Plus O

CommInsure Income Care O

CommInsure Income Care Plus O

AMP Life Flex Lt Inc. Cont. Standard 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Fifties Light Manual Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Life Flex Lt Inc. Cont. Advances O

Asgard Capital Mgnt Income Protec on O

Asteron Life Income Protec on O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Standard O

CommInsure Income Care O

CommInsure Income Care Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Fifties Blue Collar Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AMP Elevate Income Insurance Plan O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

Asteron Life Income Protec on O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

CommInsure Income Care O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Stepped Fifties Blue Collar Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

Asteron Life Income Protec on O

TAL Income Protec on Plan Standard O

AMP Elevate Income Insurance Plan O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Standard O

CommInsure Income Care O

CommInsure Income Care Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Twenties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

TAL Income Protec on Plan Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Plus O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Twenties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

CommInsure Income Care O

CommInsure Income Care Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Twenties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

TAL Income Protec on Plan Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Plus O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Twenties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

CommInsure Income Care O

CommInsure Income Care Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Twenties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

Macquarie Life FutureWise Disability Income Plus O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AMP Elevate Income Insurance Plan O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

OnePath OneCare Income Sec, Comp O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Twenties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

CommInsure Income Care O

CommInsure Income Care Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Twenties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

Macquarie Life FutureWise Disability Income Plus O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AMP Elevate Income Insurance Plan O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

OnePath OneCare Income Sec, Comp O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

CommInsure Income Care Plus O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Twenties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

Asteron Life Income Protec on Plus O

CommInsure Income Care 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Twenties Light Manual Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

MLC Insurance Income Protec on Pla num O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

CommInsure Income Care O

CommInsure Income Care Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Twenties Light Manual Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

MLC Insurance Income Protec on Pla num O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

CommInsure Income Care O

CommInsure Income Care Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Twenties Blue Collar Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AMP Elevate Income Insurance Plan O

BT Income Protec on Standard O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

BT Income Protec on Plus O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

CommInsure Income Care Plus O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Advantage Op onal O

Asteron Life Income Protec on Plus O

CommInsure Income Care O

MLC Insurance Income Protec on with Extras O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Twenties Blue Collar Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

OnePath OneCare Income Sec. Std O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

BT Income Protec on Standard O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

CommInsure Income Care Plus O

MLC Insurance Income Protec on with Extras O

AIA Australia Income Protec on Plan O

CommInsure Income Care 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Thirties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

TAL Income Protec on Plan Standard O

AMP Elevate Income Insurance Plan O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

BT Income Protec on Plus O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Thirties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

CommInsure Income Care O

CommInsure Income Care Plus 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Thirties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

TAL Income Protec on Plan Standard O

AMP Elevate Income Insurance Plan O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

BT Income Protec on Plus O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

CommInsure Income Care O

CommInsure Income Care Plus O

MLC Insurance Income Protec on 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Thirties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

MLC Insurance Income Protec on with Extras 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Thirties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

Macquarie Life FutureWise Disability Income Plus O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plus O

BT Income Protec on Plus O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on O

CommInsure Income Care O

CommInsure Income Care Plus O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 65Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Thirties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

Asteron Life Income Protec on Plus O

Life Insurance Star Ra ngs 2016 ‐ Page 66Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Thirties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plus O

BT Income Protec on Plus O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on O

CommInsure Income Care O

CommInsure Income Care Plus O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 67Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Thirties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

Asteron Life Income Protec on Plus O

Life Insurance Star Ra ngs 2016 ‐ Page 68Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Thirties Light Manual Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

BT Income Protec on Standard O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on O

BT Income Protec on Plus O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

TAL Income Protec on Plan Premier O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Plan O

AMP Life Flex Lt Inc. Cont. Standard O

CommInsure Income Care O

CommInsure Income Care Plus O

Asteron Life Income Protec on Plus O

Life Insurance Star Ra ngs 2016 ‐ Page 69Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Thirties Light Manual Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

BT Income Protec on Plus O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

CommInsure Income Care O

Asteron Life Income Protec on Plus O

CommInsure Income Care Plus O

Life Insurance Star Ra ngs 2016 ‐ Page 70Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Thirties Blue Collar Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AMP Elevate Income Insurance Plan O

BT Income Protec on Standard O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on O

BT Income Protec on Plus O

CommInsure Income Care O

CommInsure Income Care Plus O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

Asteron Life Income Protec on Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

AIA Australia Income Protec on Plan O

Life Insurance Star Ra ngs 2016 ‐ Page 71Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Thirties Blue Collar Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

OnePath OneCare Income Sec. Std O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

BT Income Protec on Standard O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

CommInsure Income Care O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

TAL Income Protec on Plan Premier O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 72Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Forties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Plus O

OnePath OneCare Income Sec. Prof O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

CommInsure Income Care O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

CommInsure Income Care Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

Life Insurance Star Ra ngs 2016 ‐ Page 73Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Forties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 74Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Forties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Plus O

OnePath OneCare Income Sec. Prof O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

CommInsure Income Care O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 75Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Forties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

AMP Life Flex Lt Inc. Cont. Standard O

Life Insurance Star Ra ngs 2016 ‐ Page 76Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Forties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

Macquarie Life FutureWise Disability Income Plus O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec. Prof O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

CommInsure Income Care O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Plan O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

MLC Insurance Income Protec on O

Life Insurance Star Ra ngs 2016 ‐ Page 77Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Forties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 78Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Forties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

OnePath OneCare Income Sec. Prof O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

CommInsure Income Care O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Plan O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 79Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Forties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

Life Insurance Star Ra ngs 2016 ‐ Page 80Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Forties Light Manual Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

BT Income Protec on Plus O

BT Income Protec on Standard O

CommInsure Income Care O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on with Extras O

AIA Australia Income Protec on Plan O

Asteron Life Income Protec on O

CommInsure Income Care Plus O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

Life Insurance Star Ra ngs 2016 ‐ Page 81Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Forties Light Manual Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

CommInsure Income Care O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

AIA Australia Income Protec on Plan O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

MLC Insurance Income Protec on with Extras O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

Life Insurance Star Ra ngs 2016 ‐ Page 82Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Forties Blue Collar Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Elevate Income Insurance Plus O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Premier O

TAL Income Protec on Plan Standard O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover O

CommInsure Income Care O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Plan O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 83Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Forties Blue Collar Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec. Std O

TAL Income Protec on Plan Standard O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec, Comp O

TAL Income Protec on Plan Premier O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

CommInsure Income Care O

CommInsure Income Care Plus O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AIA Australia Income Protec on Plan O

AMP Life Flex Lt Inc. Cont. Standard O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 84Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Fifties Professional Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

AMP Elevate Income Insurance Plan O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Plus O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

AMP Life Flex Lt Inc. Cont. Standard O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 85Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Fifties Professional Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

AIA Australia Income Protec on Advantage Op onal O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Plus O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Elevate Income Insurance Plus O

Asteron Life Income Protec on O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Advances O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

AMP Life Flex Lt Inc. Cont. Standard O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 86Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Fifties Managerial Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Disability Income Plus O

AMP Elevate Income Insurance Plan O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Plus with Extra O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Income Disability Insurance Extra O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 87Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Fifties Managerial Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Plus O

AMP Elevate Income Insurance Plan O

ClearView Income Protec on Plus Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec. Prof O

OnePath OneCare Income Sec. Std O

AIA Australia Income Protec on Advantage Op onal O

AIA Australia Income Protec on Plan O

AIA Australia Income Protec on PLUS Op onal O

AMP Elevate Elevate Income Insurance Prem O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

ClearView Income Protec on Cover Plus O

Macquarie Life FutureWise Disability Income Plus with Extra O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector Plus O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

Zurich Australia Income Protector O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 88Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Fifties Light Manual Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec. Std O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

OnePath OneCare Income Sec, Comp O

Zurich Australia Income Protector Plus O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

Zurich Australia Income Protector O

AMP Elevate Income Insurance Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

Life Insurance Star Ra ngs 2016 ‐ Page 89Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Fifties Light Manual Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

BT Income Protec on Plus O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plan O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on O

BT Income Protec on Standard O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Standard O

Asteron Life Income Protec on Plus O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 90Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Fifties Blue Collar Male

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

AMP Elevate Income Insurance Plan O

OnePath OneCare Income Sec. Std O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

Macquarie Life FutureWise Disability Income Insurance O

OnePath OneCare Income Sec, Comp O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on O

Asteron Life Income Protec on Plus O

BT Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Income Disability Insurance Extra O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Standard O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on Pla num with Extras O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 91Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal

Life Insurance Star RatingsIncome Protection

1

Level Fifties Blue Collar Female

Company ProductStepped

2Level

Premiums Availability of Indemnity Contract

Par al disability

Total disability

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

"Outstanding Value"

OnePath OneCare Income Sec, Comp O

OnePath OneCare Income Sec. Std O

AMP Elevate Income Insurance Plan O

Asteron Life Income Protec on O

BT Income Protec on Plus O

ClearView Income Protec on Cover O

ClearView Income Protec on Cover with Extras O

AMP Elevate Elevate Income Insurance Prem O

AMP Elevate Income Insurance Plus O

AMP Life Flex Lt Inc. Cont. Advances O

Asteron Life Income Protec on Plus O

BT Income Protec on Standard O

Macquarie Life FutureWise Disability Income Insurance O

Macquarie Life FutureWise Income Disability Insurance Extra O

MLC Insurance Income Protec on Pla num with Extras O

Zurich Australia Income Protector O

Zurich Australia Income Protector Plus O

AMP Life Flex Lt Inc. Cont. Standard O

MLC Insurance Income Protec on Pla num O

MLC Insurance Income Protec on O

MLC Insurance Income Protec on with Extras O

Life Insurance Star Ra ngs 2016 ‐ Page 92Report 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.2 Premiums will be calculated based on your age at the start of the policy.

3 4 5

Op onal