GROUP LIFE INSURANCE POLICY - Intrust Super · 2020. 5. 29. · Hannover Life Re of Australasia Ltd...

Issued by

Hannover Life Re of Australasia Ltd

(A.B.N 37 062 395 484) Level 7, 70 Phillip St, Sydney NSW 2000

GROUP LIFE INSURANCE POLICY

Issued by

Hannover Life Re of Australasia Ltd

(A.B.N 37 062 395 484) Level 7, 70 Phillip St, Sydney NSW 2000

INTRUST SUPER FUND

GROUP LIFE INSURANCE POLICY

POLICY NUMBER VGL 4194/A

Policy Number VGL 4194/A is the contract of insurance which commenced on 1 April 2006 as varied from time to time and which continues until properly terminated under the terms of the contract. This document contains the current terms and conditions effective as from 1 May 2010.

Except to the extent any further terms must be implied by law, or this document provides otherwise, it contains all of the terms and conditions applicable to the contract of insurance made between the Proposer and Hannover Life Re of Australasia Ltd. (A.B.N. 37 062 395 484) in consideration of the payment of premium by the Proposer. Signed for and on behalf of Hannover Life Re of Australasia Ltd in the presence of: ……………………………..………. Signature of authorised person Dated General Manager Marketing ……………………………… …………………………………..… Signature of witness Office held Dated Ed Patrick Tom Grogan ……………………………… …………………………………..…. Name of witness (print) Name of authorised person (print) Signed for and on behalf of IS Industry Fund Pty Ltd in the presence of: ……………………………..………. Signature of authorised person Dated …………………………….. ……………………..………………. Signature of witness Office held Dated ……………………………. ……………………..……………… Name of witness (print) Name of authorised person (print)

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Copyright Hannover Life Re of Australasia Ltd.

INDEX

SCHEDULE .......................................................................................................................... 5

1. ABOUT US AND THE POLICY .................................................................................... 7 1.1 ABOUT US ............................................................................................................ 7 1.2 GROUP POLICY .................................................................................................... 7 1.3 OUR OBLIGATIONS................................................................................................ 7 1.4 DEFINED TERMS ................................................................................................... 7

2. BENEFITS ................................................................................................................... 7 2.1 DEATH, DISABLEMENT OR TERMINAL ILLNESS ......................................................... 7 2.2 WHAT IS TOTAL AND PERMANENT DISABLEMENT? .................................................. 7 2.3 LOSS OF SIGHT AND LOSS OF THE USE OF A LIMB ................................................... 8 2.4 WHAT IS A TERMINAL ILLNESS ............................................................................... 8 2.5 DATE OF DISABLEMENT ......................................................................................... 9 2.6 AMOUNT OF BENEFIT ON DEATH, TOTAL AND PERMANENT DISABLEMENT OR

TERMINAL ILLNESS ............................................................................................... 9

3. COVER UNDER THE POLICY .................................................................................... 9 3.1 CONTINUING COVER UNDER THE POLICY ............................................................... 9

4. OBTAINING COVER ................................................................................................. 10 4.2 COMMENCEMENT OF COVER ............................................................................... 10 4.4 APPLYING TO INCREASE COVER OR JOINING WHEN NOT FIRST ELIGIBLE ............... 12 4.5 UNDERWRITING .................................................................................................. 12 4.6 COVER SUBJECT TO SPECIAL TERMS ................................................................... 12 4.7 LIMITATIONS TO COVER ...................................................................................... 12 4.8 CORPORATE BUSINESS ....................................................................................... 12 4.9 COVER DURING EMPLOYER APPROVED LEAVE ..................................................... 12 4.10 COVER DURING OVERSEAS RESIDENCE ............................................................... 13 4.11 INCREASE IN COVER DUE TO LIFE TIME EVENT ..................................................... 13 4.12 TRANSFERRING COVER UNDER CHOICE OF FUND ................................................. 14

5. ACCIDENT COVER ................................................................................................... 14 5.1 WHEN DOES ACCIDENT COVER BEGIN? ............................................................... 14 5.2 AGREED BENEFIT FOR ACCIDENT COVER ............................................................. 15 5.3 TYPES OF ACCIDENT COVER ............................................................................... 15 5.4 ACCIDENTAL INJURY ........................................................................................... 15 5.5 WHEN DOES ACCIDENT COVER END? .................................................................. 15

6. PREMIUM .................................................................................................................. 15 6.1 ANNUAL REVIEW................................................................................................. 15 6.2 PREMIUM RATE .................................................................................................. 16 6.3 WHEN IS PREMIUM DUE? .................................................................................... 16

7. CLAIMS ..................................................................................................................... 16 7.1 PROOF OF CLAIM ................................................................................................ 16 7.2 WHAT EVIDENCE DO WE PAY FOR? ...................................................................... 17 7.3 INDEPENDENT MEDICAL EXAMINERS .................................................................... 17 7.4 PAYMENT OF CLAIM MONIES ............................................................................... 18 7.5 REVIEWING CLAIMS ............................................................................................ 18 7.6 WHO DO WE PAY THE BENEFIT TO? ...................................................................... 18

8. TERMINATION OF COVER ....................................................................................... 18 8.1 WHEN DOES AN INSURED PERSON'S COVER CEASE? ........................................... 18

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8.2 WHEN ALL COVER CEASES ................................................................................. 18 8.3 REINSTATEMENT OF COVER ................................................................................ 19 8.4 WHAT HAPPENS ON CESSATION OF COVER? ........................................................ 19 8.5 CLAIMS FOR TOTAL AND PERMANENT DISABLEMENT ............................................. 19 8.6 EXCLUSIONS ...................................................................................................... 19

9. DISCLOSURE OF INFORMATION ............................................................................ 20 9.1 WHEN INCORRECT INFORMATION IS GIVEN TO US ................................................. 20 9.2 INCORRECT INFORMATION AND MISREPRESENTATION ........................................... 20

10. THE POLICY ............................................................................................................. 20 10.1 THIS POLICY IS A CONTRACT ............................................................................... 20 10.2 STATUTORY FUND .............................................................................................. 20 10.3 WHAT DOCUMENTS MAKE UP THIS POLICY? ......................................................... 20 10.4 THE POLICY NUMBER .......................................................................................... 21 10.5 PREMIUM EXPERIENCE REBATE ........................................................................... 21 10.6 WHEN THE POLICY BEGINS AND ENDS ................................................................. 21 10.7 GUARANTEE PERIOD ........................................................................................... 21 10.8 OUR RIGHTS TO VARY THE CONDITIONS .............................................................. 21 10.9 VARIATIONS OF THE POLICY ................................................................................ 22 10.10 OUTBREAK OF WAR ............................................................................................ 22

11. HOW TO INTERPRET THIS POLICY ........................................................................ 22 11.1 HEADINGS .......................................................................................................... 22 11.2 GOVERNING LAW ................................................................................................ 22 11.3 NOTICES ............................................................................................................ 22 11.4 INTERPRETATION ................................................................................................ 22

12. COMPLAINTS ........................................................................................................... 22 12.1 INDEPENDENT BODIES ........................................................................................ 22

DEFINITIONS ..................................................................................................................... 24

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SCHEDULE Cover for the following categories of benefit are available under The Policy in accordance with the conditions set out in it. 1. Death 2. Total and Permanent Disablement 3. Terminal Illness Item 1 Proposer: IS Industry Fund Pty Ltd ABN 45 010 814 623

Item 2 Plan: Intrust Super Fund – Public Offer Fund VGL 4194/A. Item 3 Dates: Date of Commencement means 1 March

2004. Date of Variation means 1 May 2010.

Item 4 Annual Review Date: 1st March 2010 and after that on 1st March in each year.

Item 5 Maximum Insurable Age: On attainment of the Insured Person’s 65th birthday.

Item 6 Guarantee Period: 36 months from the Commencement Date or such other periods as we may agree to in writing.

Item 7 Eligibility: Executive Super A person is eligible to obtain cover under

this policy subject to clause 4.1, 4.2 and 4.3 or on such other basis that is agreed in writing from time to time between us and the Proposer.

Select Super A person is eligible to obtain cover under

this policy subject to clause 4.1 and 4.2 or on such other basis that is agreed in writing from time to time between us and the Proposer.

. Item 8 Premium Rate: The premium rates in the Appendix will be

used to calculate Premium under The Policy. These rates have been prepared on the basis that;

(a) they are non-participating; (b) they include stamp duty;

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(c) Premium is payable monthly in arrears, unless otherwise agreed;

We will not vary these rates during the Guarantee Period unless clause 10.7 applies. Premiums are account based and deducted from member accounts.

Please refer to the Appendix for the Premium rates that apply.

Item 9 Premium Experience Rebate: The Policy does not participate in any premium experience rebate.

Item 10 Maximum Benefit: Unless agreed otherwise by us the total amount of Agreed Benefit per Insured Person under all policies with Hannover and the market is limited to;

(a) for Total and Permanent Disablement

is $3,000,000 per Insured Person up to age 60 next birthday, and

(b) for Total and Permanent Disablement from age 61 next birthday it is $750,000 per an Insured Person;

(c) for Terminal Illness is $3,000,000 per Insured Person;

(d) for death cover, the requested Agreed Benefit applied for.

Item 11 Agreed Benefit: Executive Super The Agreed Benefit payable on death or if

applicable, on Total and Permanent Disablement of an Insured Person shall be

determined in accordance with the Agreed Benefit individually approved by us.

Select Super The Agreed Benefit payable on death or if

applicable, on Total and Permanent Disablement of an Insured Person shall be

determined in accordance with the Agreed Benefit individually approved by us.

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1. ABOUT US AND THE POLICY

1.1 About Us

Where the words “we”, “us” and “our” appear in The Policy they refer to Hannover Life Re of Australasia Ltd.

1.2 Group Policy

We are the insurer under The Policy and provide group life insurance cover in relation to members of the group eligible for that cover.

1.3 Our Obligations

The insurance cover which we provide is governed by the conditions in The Policy but all our obligations under the policy are subject to the Proposer, and any person we provide insurance cover for, abiding by all the policy conditions which apply to them.

1.4 Defined Terms

The expressions that appear in italics have a special meaning in The Policy and are defined in the section headed “Definitions”.

2. BENEFITS

2.1 Death, Disablement or Terminal Illness

If the required cover is in force under The Policy when an Insured Person:

(a) dies; (b) suffers Total and Permanent Disablement; (c) is diagnosed with a Terminal Illness,

we must pay the Agreed Benefit.

2.2 What is Total and Permanent Disablement?

Where an Insured Person is gainfully employed and is working fifteen (15) or more hours on average each week within the six (6) months prior to the Date of Disablement they suffer Total and Permanent Disablement if they;

(a) are unable to do any work as a result of Injury or Illness for six (6)

consecutive months and in our opinion, at the end of that six (6) months they continue to be so disabled that they are in our opinion unlikely to resume their previous occupation at any time in the future and will be unable at any time in the future to perform any Other Occupation; or

(b) suffer Cognitive Loss; or (c) suffer the permanent loss of the use of two (2) limbs, or the sight of both

eyes, or the permanent loss of the use of one (1) limb and the sight of one (1) eye.

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Where an Insured Person is not gainfully employed or is working less than fifteen (15) hours on average each week within the six (6) months prior to the Date of Disablement they suffer Total and Permanent Disablement if they; (a) suffer an Illness or Injury that wholly prevents them from performing two (2)

of the Activities of Daily Living without the assistance of someone else for at least six (6) consecutive months; and (i) since they suffered the Illness or Injury they have been under the

regular care and attention of a Doctor for that Illness or Injury; and (ii) in our opinion the Illness or Injury means that they are unable to ever

again perform at least two (2) of the Activities of Daily Living without the assistance of someone else; or

(b) Suffer a Cognitive Loss; or (c) suffer the permanent loss of the use of two (2) limbs, or the sight of both

eyes, or the permanent loss of the use of one (1) limb and the sight of one (1) eye.

2.3 Loss of Sight and Loss of the Use of a Limb

In clause 2.2 and clause 2.5;

(a) loss of sight means the complete loss of functional sight which is

permanent; and (b) loss of the use of a limb means the permanent loss of the use of a leg from

at or above the ankle or an arm from at or above the wrist which is permanent.

2.4 What is a Terminal Illness

Where we are satisfied that an Insured Person has been diagnosed with a Terminal Illness, we will pay a Terminal Illness benefit, subject to;

(a) an Insured Person will be eligible for a Terminal Illness benefit where the

date of diagnosis of the Terminal Illness is on or after the date their cover commenced under the Policy. No Terminal Illness benefit will be considered where the date of diagnosis is prior to this date;

(b) a Terminal Illness benefit will be the lesser of the Insured Person’s Agreed Benefit or $3,000,000. Provided they remain an Insured Person and we continue to receive premium for their cover, we will pay the residual death benefit balance calculated as the Agreed Benefit as at the Insured Person’s date of death, less any Terminal Illness benefit that has already been paid;

(c) if a Terminal Illness benefit is paid, all cover under The Policy will cease from that date. However, subject to b) above any residual death benefit balance will be payable on death of the Insured Person;

(d) if The Policy has terminated, a member will no longer be eligible for a Terminal Illness benefit from that date;

(e) the Insured Person must supply, at their own expense, supporting medical evidence from their treating specialist. We will require this information in a form of our choosing and reserve the right to ask for any additional information that we feel is appropriate. Where we ask for additional information, we will incur the cost of obtaining this information.

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Where a Terminal Illness benefit is paid it will be considered as an advance payment of the Insured Person’s death benefit. From the date a Terminal Illness claim has been lodged, an Insured Person will no longer be eligible for any increase in cover under the policy without our prior approval.

2.5 Date of Disablement

If clause 2.2 is satisfied, Total and Permanent Disablement is treated as having occurred on the Date of Disablement which is the earlier of;

(a) the date on which the six (6) months consecutive absence from work that

results in Total and Permanent Disablement began; (b) the date on which the six (6) months consecutive inability to perform the

Activities of Daily Living that results in Total and Permanent Disablement began;

(c) the date the person suffers the loss of the sight in both eyes, or the use of both limbs, or the sight in one (1) eye and the use of one (1) limb;

(d) the date the person suffers the loss of the sight of another eye or the use of another limb, having already suffered the loss of the sight of an eye or the use of a limb.

2.6 Amount of Benefit on Death, Total and Permanent Disablement or Terminal

Illness

The Agreed Benefit that we must pay is the amount for which cover is in force under The Policy as determined by reference to Item 11 of the Schedule;

(a) on the date of death, if the claim is for death; (b) on the Date of Disablement, if the claim is for Total and Permanent

Disablement; (c) on the date the Terminal Illness is diagnosed, if the claim is for a Terminal

Illness. 3. COVER UNDER THE POLICY

3.1 Continuing Cover Under The Policy

Where, (a) immediately before the Date of Variation, cover was in force for a person

under The Policy, then he or she has corresponding cover with effect from the Date of Variation, and

(b) where at the Date of Variation, the Plan has been advised that an Insured

Person is on Employer Approved Leave and that premium continues to be paid for insurance cover, he or she has corresponding cover with effect from the Date of Variation, and

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(c) If prior to the Date of Variation, (i) the Eligible Person has previously written to the Plan advising that

they wish to terminate cover, the Eligible Person will not be eligible for cover under this clause, and

(ii) the Eligible Person has been underwritten by us and declined cover, the Eligible Person will not be eligible for cover under this clause, and

(iii) in respect of Total and Permanent Disablement, the Eligible Person must be in Active Employment on the Date of Variation. If this provision is not satisfied, the Eligible Person eligible will receive Limited Cover for 12 months.

All cover for an Insured Person under The Policy is subject to payment of premiums for that Insured Person.

4. OBTAINING COVER

4.1 Eligibility

The Proposer can only obtain cover under The Policy in relation to a person if they are an Eligible Person. An Eligible Person is someone;

(a) who is an Australian Resident; (b) meets the eligibility conditions in Item 7 of the Schedule, or (c) that we expressly agree in writing is an Eligible Person;

4.2 Commencement of Cover

For an Eligible Person in; (a) Executive Super,

Subject to clause 4.3 an Eligible Person will receive Default Cover for death and Total and Permanent Disablement without providing medical evidence at the time they are First Eligible to join the Plan.

Additionally, an Insured Person may elect death and Total and Permanent Disablement cover to the value equivalent of up to two (2) units of the Agreed Benefit Scale detailed in the Appendix without medical evidence where a completed and signed Membership Application Form is received by the Fund within 180 days of being First Eligible and they are in Active Employment on the day cover commences.

An Eligible Person may opt out of all cover or reduce their level of cover by writing to the Proposer at anytime. Any subsequent future increase in cover will be subject to underwriting. All other cover is subject to the receipt by us of any information about that person which we consider necessary for our underwriting purposes. We may specify that this information must be given in a form of our choosing.

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(b) Select Super,

Subject to 4.1 an Eligible Person will receive Default Cover for death and Total and Permanent Disablement without providing medical evidence.

An Eligible Person may opt out by writing to the Proposer at anytime.

All other cover is subject to the receipt by us of any information about that person which we consider necessary for our underwriting purposes. We may specify that this information must be given in a form of our choosing.

Where an Eligible Person applies for cover in excess of Default Cover and

this cover is accepted as standard then Default Cover will not apply. 4.3 When does Cover for an Agreed Benefit Commence

Cover for an Agreed Benefit commences; (a) For an Eligible Person in when,

(i) an Eligible Person joins the Fund within 180 days of becoming First

Eligible a fully completed and signed Member Application Form is received by the Plan within that time. Where the Fund has received Minimum Member Details, but no Member Application Form, Default Cover will apply; and

(ii) an On-Time Employer Contribution has been received by the Fund in respect of the Eligible Person; and

(iii) they are employed by a Participating Employer; and (iv) the Eligible Person is not applying for, entitled to, or has not been

paid a Total and Permanent Disablement benefit from any superannuation fund or life insurance policy. If this provision is satisfied, then the Eligible Person is only eligible for death cover; and

(v) the Eligible Person is Active Employment on the date that cover commences. If this provision is not satisfied, then the Eligible Person will receive Limited Cover for 12 months.

Where the above requirements have been met, the cover for an Agreed Benefit commences on the first day of the period for which the Employer Contribution relates. If these conditions are not met the Agreed Benefit commences on the date we advise in writing that we have agreed to accept cover or the date that the Plan has agreed to accept cover on our behalf under the terms agreed between the Plan and us from time to time.

(b) For an Eligible Person in Select Super, subject to the payment of premiums, the Agreed Benefit commences on

the date that we advise the Administrator, in writing, that we have agreed to accept cover or the date that the Administrator has agreed to accept cover on our behalf under the terms agreed between the Administrator and us from time to time.

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4.4 Applying to Increase Cover or Joining When Not First Eligible

To obtain increased cover or cover when joining the Plan when not First Eligible, the Proposer must provide us with all information about that person which we regard as necessary for our underwriting purposes before we will consider the Eligible Person for cover under clause 4.5. We may specify that this information must be given in a form we choose.

4.5 Underwriting

We may, after considering all information we have requested and received in relation to the Eligible Person, in our absolute underwriting discretion, either;

(a) accept the Eligible Person for such cover under The Policy; or (b) offer to accept the Eligible Person for such cover under The Policy on

whatever terms, or subject to whatever restrictions or with whatever premium loadings we may consider appropriate; or

(c) refuse to provide such cover for the Eligible Person under this application absolutely.

4.6 Cover Subject to Special Terms

If we offer to accept an application subject to an increase in Premium, the cover applied for will come into effect immediately unless either the Proposer or the Eligible Person or the Insured Person as the case may be notifies us in writing that our offer is refused.

If we offer to accept an application subject to a condition or restriction, the cover applied for will not come into effect until we receive written acceptance of the condition or restriction from either the Proposer or the Eligible Person or the Insured Person as the case may be, in accordance with the terms of our offer.

4.7 Limitations to Cover

Unless agreed otherwise, the maximum Agreed Benefit that an Insured Person may have under The Policy is determined by reference to Item 10 of the Schedule and Total and Permanent Disablement cover for an Insured Person cannot exceed their death cover.

4.8 Corporate Business

Subject to our prior agreement on a case-by-case basis, existing corporate schemes are able to transfer insurance cover into the Plan for existing insured employees on terms agreed between the Plan and us. Prior to our consideration, the Plan must obtain information that we require to consider this application.

4.9 Cover During Employer Approved Leave

Subject to clause 8.1 cover will continue in respect of an Insured Person on Employer approved leave provided;

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(a) they continue to be employed by their Employer and we receive Premium

in respect of them; and (b) the period of leave is no longer than one (1) year; and (c) if cover for an Insured Person terminates while they are on leave, cover

will only be reinstated upon their return to work with their Employer and subject to clauses 4.4, 4.5 and 4.6.

Cover may continue after one (1) year on such terms as we may permit.

When an Insured Person returns to work with their Employer, cover that was terminated by the Insured Person during the period of leave may be reinstated in accordance with clause 8.3.

We require to be notified prior to the commencement of any period of leave if cover is not to be continued in respect of an Insured Person during such period of leave.

4.10 Cover During Overseas Residence

Cover may continue for an Insured Person working overseas provided that, (a) the Insured Person remains a member of the Fund throughout the period

of overseas residence, and (b) the period of overseas residence is no longer than three (3) years

duration, and (c) at the time of the Insured Person‟s departure, the country of residence is

not considered a Hazardous Destination, and (d) premium in respect of the Insured Person continues to be paid throughout

the period of overseas residence, and (e) the Proposer provides us with any other information about the Insured

Person relevant to our decision on whether to continue to cover the Insured Person whilst they are working overseas.

Approval for continuation of cover while an Insured Person is working overseas for durations of longer than three (3) years will be subject to our individual approval and should be obtained from us prior to departure from Australia. If we approve this cover it may be subject to an additional premium. When an Insured Person resumes employment, cover that was terminated by the Insured Person during the period of overseas residence may be reinstated in accordance with clause 8.3.

4.11 Increase in Cover due to Life Time Event

An Insured Person can increase their current Agreed Benefit by an amount equal to the less of; (a) 25% of their Agreed Benefit, or (b) $200,000, or (c) the increase in mortgage, (if existing), or the amount of the mortgage (if

new),

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subject to Item 10 of the Schedule without providing medical evidence where a Nominated Event has occurred provided that, (a) the Insured Person is less than age 55 on the date that they apply for this

increase in cover; and (b) the Insured Person’s cover under The Policy is not subject to any special

conditions such as a premium loading, restriction or exclusion; and (c) the Insured Person must not have previously been declined cover under

The Policy; and (d) the Insured Person can only increase their cover once for any Nominated

Event in any year; and (e) the Insured Person can only ever increase their cover once for each

Nominated Event; and (f) the Insured Person,

i. must apply to us within 60 days of the Nominated Event, or ii. must apply to the Fund within 30 days of the date of any special offer

made by the Fund within the terms agreed between us from time to time, and

(g) the Insured Person must provide us with sufficient proof to our satisfaction that the Nominated Event occurred.

If a claim arises within the first six (6) months of cover increasing as a result of a Nominated Event, we will only pay the increased claim where the claim is as a result of Accidental Bodily Injury. Cover will commence from the date that we notify the Proposer in writing, that we have agreed to accept cover or the date that the Proposer has agreed to accept cover on our behalf under the terms agreed between the Proposer and us from time to time.

4.12 Transferring Cover under Choice of Fund

Where an Eligible Person is insured under an employer sponsored policy they can transfer their cover to The Policy and maintain the same type and level of cover.

If any individual restrictions, conditions, exclusions or Premium loadings were imposed on the person‟s cover, they will also apply to the cover under the The Policy unless we agree otherwise in writing. A transfer of cover is subject to the Eligible Person satisfactorily completing the transfer of cover form agreed between the Proposer and us from time to time. Cover will commence under The Policy from the date that we advise in writing.

5. ACCIDENT COVER

5.1 When Does Accident Cover Begin?

When we receive an application for cover for an Eligible Person or an application for an increase in the amount of the Agreed Benefit for an Insured Person, cover known as Accident Cover begins for that person.

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5.2 Agreed Benefit for Accident Cover

The amount of the Agreed Benefit for Accident Cover will be, (a) for death the requested benefit, or (b) for Total and Permanent Disablement, the lesser of the amount of cover

applied for or $1,500,000.

5.3 Types of Accident Cover

Subject to clause 4.2 and clause 4.3, Accident Cover includes cover in the event of,

(a) death, if the person's application to us requested cover in respect of

death; and (b) Total and Permanent Disablement, if the person's application to us

requested cover in respect of Total and Permanent Disablement;

if cover for that benefit would have been available in respect of them as an Insured Person under The Policy.

5.4 Accidental Injury

If the required cover is in force, we must pay the Agreed Benefit for Accident Cover in the event of death or Total and Permanent Disablement but only through a visible, violent and external event to the body that results in the death or Total and Permanent Disablement of an Eligible Person or Insured Person as the case may be.

5.5 When Does Accident Cover End?

Unless we agree on another date with the Proposer, Accident Cover terminates on the earliest of the following occurring; (a) when we notify the Proposer of our acceptance of cover in relation to the

person under clause 4.5; (b) when we decide to refuse cover in relation to the person; (c) when the person's application is withdrawn or cancelled or we are advised

it is not being proceeded with; (d) 90 days after it began , in which case cover will cease at midnight on the

90th day; (e) the termination of The Policy.

6. PREMIUM

6.1 Annual Review

Within 30 days of the Annual Review Date, the Proposer must provide us with the following information in the format agreed between us from time to time. This information must be provided electronically and include;

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(a) each Insured Person who will be covered for the next 12 months; and (b) sufficient information about the cover for us to establish the total amount of

Premium due to us for the next 12 months. This information will also need to be provided by the Proposer to us on a monthly basis with payment of each monthly Premium. At any time, we reserve the right to review and/or recalculate Premium where we detect any errors in the amount of the Premium paid to us. If the calculation shows that there is an amount owed to us it must be paid within 30 days of notification to the Proposer.

6.2 Premium Rate

Unless the cover which came into effect is subject to an increase in Premium, the rate of Premium for an Insured Person is the rate that applies to them; (a) that appears in Item 8 of the Schedule; or (b) the rate of Premium that replaces the rate in Item 8 of the Schedule if the

rate is varied under the conditions of The Policy.

If cover for an Insured Person came into effect subject to an increase in Premium, the rate of Premium for that person is the rate we require to insure them under the terms on which we offered cover.

6.3 When is Premium Due?

Unless otherwise agreed, Premium is paid monthly in arrears and is due by the end of each month in which it falls due.

Cover remains in force during this period unless it is terminated in the meantime under another clause of The Policy. If we are liable to pay an entitlement to a benefit while a payment listed under this clause remains owing to us we may deduct the total amount owed to us from any benefit.

7. CLAIMS

7.1 Proof of claim

Our obligation to pay a benefit is subject to the following evidence being provided at no cost to us;

(a) written notice of any claim or potential claim being given to us as soon as

reasonably possible. This notice must be in the form of the Hannover Life Re claim forms or any other documentation we prescribe from time to time and include a Doctor’s certification if we require one;

(b) proof that the relevant event has happened being provided to our satisfaction;

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(c) if the claim arises from Total and Permanent Disablement, the Insured Person, at our discretion, attending any medical examinations which we may arrange and/or providing any other information we may require;

(d) such other proofs relating to the claim that we may request; (e) the evidence listed in clause 7.2 must be provided to us at no expense, if

we require it.

7.2 What Evidence do we pay for?

If we require evidence to assess whether we are liable to pay a claim we must pay the costs of obtaining that evidence except for;

(a) proof of the date of birth of the Insured Person; and (b) an initial medical report which must be supplied in support of any claim

for Total and Permanent Disablement. We may require this report to be given in a form of our choosing; and

(c) an original or certified copy of a death certificate which must be supplied in support of any claim for death; and

(d) an initial specialist report which must be supplied in support of any claim for Terminal Illness. We may require this report to be given in a form of our choosing; and

(e) evidence the Proposer requests us to obtain; and (f) travel accommodation expenses incurred in obtaining medical evidence;

which must be provided at no expense to us.

Where an Insured Person is residing Overseas, we reserve the right to ask him or her to return to Australia at their own expense in the event that he or she lodges a claim for Total and Permanent Disablement or a Terminal Illness.

7.3 Independent Medical Examiners

We may arrange for a person to be medically examined in connection with a claim. If we do so;

(a) the person who examines the Insured Person may be any appropriate

registered medical practitioner or other health care practitioner chosen by us in our discretion; and

(b) the person must attend the examination; and (c) we must pay the practitioner's fees; and (d) we may treat the contents of the practitioner's report as being confidential

to us and if we agree to provide a copy of the report to the Proposer we may also require the Proposer to treat the report as confidential.

If we arrange for a person to be medically examined and they fail to attend the examination;

(a) we will not proceed with the assessment of their claim until they attend;

and (b) we may suspend further payments of any benefit payable in respect of

them until such time as they attend; and (c) if we incur a non attendance fee we will deduct that fee from the amount

of the benefit we pay in respect of that person.

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7.4 Payment of Claim Monies

All payments will be in Australian currency.

7.5 Reviewing Claims

We will not pay costs incurred by the Proposer or an Insured Person in obtaining

evidence to support a request for a review of a claim we have declined.

7.6 Who do we pay the Benefit to?

We must pay any benefit to the Proposer.

When we follow the Proposer's instruction to pay a benefit, payment by us is a full and final discharge of our liability with respect to any entitlement due to the Insured Person, in relation to the claim.

8. TERMINATION OF COVER

8.1 When Does an Insured Person's Cover Cease?

Cover for an Insured Person under The Policy ceases;

(a) when the Insured Person reaches their Maximum Insurable Age; (b) when the Insured Person ceases to be an Eligible Person or a member of

the Plan; (c) when the Insured Person ceases to be an Australian Resident; (d) when the Insured Person commences service with the armed forces of any

country other than the Australian Defence Force Reserves; (e) Subject to clause 2.4, on the date we admit a claim for a benefit for the

Insured Person; (f) the date the Insured Person’s account balance is insufficient to pay

premiums. Cover will cease on the last day of the month in respect of which the last premium was paid;

(g) on the date the Proposer wishes cover to cease for the Insured Person, if it gives us a notice to that effect;

(h) on the date all cover for every Insured Person under The Policy ceases; whichever occurs first.

8.2 When all Cover Ceases

All cover under The Policy ceases when;

(a) the Proposer has failed to provide us with the information it is obliged to

provide under clause 6.1 for us to establish the total amount of Premium due to us for the preceding 12 months within 90 days of an Annual Review Date;

(b) the Proposer has failed to pay us a Premium within 30 days of the date it fell due;

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(c) the Proposer notifies us that it wishes to terminate The Policy; (d) the Plan is wound up or is amalgamated with another fund in

circumstances where the Proposer ceases to be the Proposer of the Plan; (e) legal proceedings are commenced for the winding up of the Proposer; (f) Policy VGL 4194 terminates. Cover under The Policy will terminate on the

same date that cover terminates under policy VGL 4194,

whichever occurs first.

8.3 Reinstatement of Cover

Cover for an Insured Person that has ceased is only reinstated if we agree to reinstate the cover in writing. Reinstated cover is subject to any terms, conditions or restrictions we consider appropriate at the time of reinstatement.

8.4 What happens on Cessation of Cover?

No benefit is payable by us in respect of the death, Total and Permanent Disablement or Terminal Illness of a person that occurs after the date that cover for them has ceased.

8.5 Claims for Total and Permanent Disablement

If cover for a person has ceased, Total and Permanent Disablement will only be treated as having occurred before the cessation of the person's cover if;

(a) the person was gainfully employed and is working fifteen (15) or more

hours on average each week within the six (6) months prior to the Date of Disablement, the person commenced their initial period of 6 consecutive months absence from work before the cessation of cover; or

(b) the person is not gainfully employed or is working less than fifteen (15) hours on average each week within the six (6) months prior to the Date of Disablement they commenced their initial period of six (6) consecutive months inability to perform the Activities of Daily Living before the cessation of cover; and

(c) the person has not performed any form of work whatsoever since the cessation of the cover.

In all other circumstances, once cover for a person has ceased Total and Permanent Disablement is deemed to have occurred after the cover for them has ceased and we will not pay a benefit in respect of it.

8.6 Exclusions

No benefit is payable under The Policy where the death or Total and Permanent Disablement is the result of the Insured Person participating in Militant Activities. Where an Insured Person dies from suicide or an intentional self-inflicted act their benefit will be limited to a maximum of $25,000 or their insured benefit. No Total and Permanent Disablement benefit is payable where an Insured Person is disabled from a suicide attempt or an intentional self-inflicted act.

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Where cover increases for an Insured Person as a result of clause 4.11 and where a claim arises within the first six (6) months of cover increasing as a result of a Nominated Event, we will only pay the increased claim where the claim is as a result of Accidental Bodily Injury.

9. DISCLOSURE OF INFORMATION

9.1 When Incorrect Information is Given to Us

We rely on information provided to us to determine if insurance cover is available and, if so on what terms. If the information provided is not correct, we may be legally entitled not to pay benefits in respect of the person under The Policy.

9.2 Incorrect Information and Misrepresentation

We may be legally entitled to vary the Insured Person‟s Agreed Benefit if the Insured Person‟s date of birth that was given to us was incorrect. If there is a failure to comply with the duty of disclosure or any misrepresentation is made in respect of an Insured Person, we may be legally entitled to avoid the cover in relation to the Insured Person or vary the benefit payable. For the purposes of applying any law in connection with non-disclosure or misrepresentation the cover with respect to an Insured Person that exceeds the Automatic Acceptance Limit is to be construed as a separate and severable insurance contract entered into when we accepted the Insured Person for cover.

10. THE POLICY

10.1 This Policy is a Contract

The Policy is evidence of a contract of insurance between the Proposer and us for the payment of benefits upon the terms and conditions set out in it.

10.2 Statutory Fund

The Policy is issued in our Australian Statutory Fund. It does not acquire a surrender value and it does not participate in our profits.

10.3 What Documents Make up this Policy?

The documents that make up The Policy are;

(a) the document in which the Proposer applied for The Policy; (b) this printed document including the Schedule; (c) all documents which record an authorised variation of The Policy; (d) any statement relevant to their cover under The Policy completed by or

on behalf of any Insured Person; (e) all documents that set out a condition, restriction or increase in premium

that applies to an Insured Person.

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10.4 The Policy Number

The policy number for The Policy is stated in the Schedule.

10.5 Premium Experience Rebate

The Policy is entitled to participate in the premium experience rebate of our group life pool unless the Schedule includes a provision to the contrary.

10.6 When the Policy Begins and Ends

The Policy came into effect on the Commencement Date and remains in force until all cover under it is terminated on a date described in clause 8.2.

10.7 Guarantee Period

We may not vary the terms of The Policy for the period specified in Item 6 of the Schedule, which is the Guarantee Period.

We may vary any of the terms and conditions of The Policy, including the premium rate, within the Guarantee Period by giving the Proposer notice of variation if, since the Commencement Date or the date the terms and conditions of The Policy were last varied;

(a) the number of Insured Persons within a category of membership varies by

more than 25%; or (b) the formula used to calculate Agreed Benefit for any category of

membership alters; or (c) cover has not been granted or members admitted to the Fund on terms

contrary to these agreed between the Proposer and us; or (d) the conditions under which persons are eligible for cover under The Policy

alter; or (e) in our opinion, changes in occupations, countries in which Insured Persons

are located, or other circumstances leads to a change in the risk insured by The Policy; or

(f) in our opinion, there is a change in any government charge, licence fee, tax or other impost that is directly attributable to The Policy.

Such a variation in the terms and conditions of The Policy will have effect from the date we nominate in our notice to the Proposer as the date from which the variation is effective or the date we receive the invitation to tender as the case may be. This may include a date prior to the date the notice was given.

10.8 Our Rights to Vary the Conditions

At the termination of the Guarantee Period we may vary any of the terms and conditions of The Policy, including the rates of premium, subject to giving 3 months notice of the variation to the Proposer. However no variation in the terms of The Policy may be made which would enable us to refuse to continue to insure an Insured Person under The Policy while The Policy remains in force.

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10.9 Variations of the Policy

A variation to the terms of The Policy is only effective if it is permitted under the terms of the policy and it is made in writing by someone authorised by us to do so.

10.10 Outbreak of War

We may increase the Premium under The Policy at any time for any or all Insured Persons by giving written notice in the event of any invasion or outbreak of war (whether declared or not) which involves Australia, New Zealand or an Insured Person’s country of residence. If we give this notice and the Premium increase is not paid, we are not liable to pay a benefit in respect of an Insured Person where the event giving rise to a claim arose either directly or indirectly from the invasion or war.

11. HOW TO INTERPRET THIS POLICY

11.1 Headings

Headings have been included for ease of reference. They do not form part of the text of The Policy for the purposes of interpreting it.

11.2 Governing Law

The Policy is subject to the laws of New South Wales.

11.3 Notices

When a notice must be given under The Policy it must be given in writing or by facsimile. A notice which is delivered personally or by facsimile is treated as being given on the day it was received and a notice which is posted is treated as being given 3 working days from the date of posting.

11.4 Interpretation

The words appearing under the heading Definitions will bear the corresponding meanings set out there unless the context indicates that meaning was not intended.

12. COMPLAINTS

12.1 Independent Bodies

Hannover Life Re of Australasia Ltd is committed to resolving any dispute in a timely fashion. However, if we have not resolved a complaint after 45 days or our decision is not satisfactory you may contact either the Superannuation Complaints Tribunal or the Financial Ombudsman Service.

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Where a complaint falls within their terms of reference they will have jurisdiction to resolve such complaints.

They can currently be contacted at;

Superannuation Complaints Tribunal Phone; 1300 780 808 Level 15, 31 Queen Street, Melbourne (Postal Address) Superannuation Complaints Tribunal Locked Bag 3060 GPO MELBOURNE VIC 3001 Financial Ombudsman Service Phone; 1300 780 808 (Postal Address) GPO Box 3 MELBOURNE VIC 3001

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DEFINITIONS Accident Cover means cover that comes in force under clause 5. Active Employment means an Insured Person will be considered to be at

work if they are gainfully employed (including being on Employer approved leave except leave caused by illness or injury) and attending work and performing his/her normal duties and hours without restriction due to illness or injury.

Activities of Daily Living means;

(a) Bathing, the ability to wash or shower without assistance;

(b) Dressing, the ability to put on and take off clothing without assistance;

(c) Feeding, the ability to get food from a plate into the mouth without assistance;

(d) Mobility, the ability to get in and out of bed and a chair without assistance;

(e) Toileting, the ability to use the toilet including getting on and off without assistance.

Agreed Benefit means in relation to a person the amount of benefit

for which cover is in force. Annual Review Date means the effective date at which we review the

benefits and Premiums each year identified in Item 4 of the Schedule.

At Work means that a person is actively performing all of the

duties of their usual occupation for the Employer and is not in receipt of and/or entitled to claim income support benefits from any source including but not limited to worker‟s compensation benefits, statutory transport accident benefits and disability income benefits.

Australian Resident means an Australian citizen or a person who is the

holder of an Australian permanent visa within the meaning of Section 30 of the Migration Act 1958 or resides in Australia on a 457 working visa.

Cognitive Loss means we have determined a total and permanent

deterioration or loss of intellectual capacity which requires the member to be under the continuous care and supervision by another adult person for at least six consecutive months and, at the end of that six month period, they are likely to require permanent ongoing continuous care and supervision by another adult person.

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Date of Commencement means the date specified in Item 3 of the Schedule. Date of Variation means the date specified in Item 3 of the Schedule. Date of Disablement means the date on which Total and Permanent

Disablement is treated as having occurred under clause 2.5.

Default Cover means,

For an Eligible Person in Executive Super the dollar

value equivalent of up to three (3) units of the Agreed

Benefit Scale detailed in the Appendix, or

For an Eligible Person in Select Super, Limited Cover

for 24 months, equal to the dollar value equivalent of

up to two (2) units of the Agreed Benefit Scale

detailed in the Appendix.

Doctor means a validly qualified medical practitioner

registered to practice in Australia or New Zealand or as otherwise agreed by us. That person may not be the Insured Person, the Insured Person's business partner, a member of the Insured Person's immediate family or their employer.

Eligible Person/s means a person who satisfies the conditions

described in clause 4.1. Employer means in relation to a person the person's employer

for the purposes of the Plan. Employer Contribution means the amount remitted by a member‟s Employer

to be credited to the Insured Person’s account in respect of a period of employment.

First Eligible means members are first eligible to join the Fund on

the later of: (a) when they first commence employment with a

Participating Employer and a Fund membership number is allocated to them, or

(b) when their employer becomes a Participating Employer.

Should an employer first become liable to pay the Superannuation Guarantee Charge for an employee at a date later than (a) or (b) above, then this date will become the date on which that member was first eligible to join the Fund.

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Guarantee Period means the period stated it Item 6 of the Schedule and described in clause 10.7.

Hazardous Destination means a country that is listed on the Department of

Foreign Affairs & Trade website (www.dfat.gov.au) under „advised against all travel‟.

Injury means bodily injury caused by violent, external and

visible means. Illness means a sickness, disease or disorder. Insured Person/s means an Eligible Person for whom cover other than

Accident Cover is in force. Limited Cover means an Illness diagnosed or an Injury that

occurred on or after the date the cover commenced for the Insured Person.

Maximum Insurable Age means the maximum age to which cover will be

provided under The Policy in respect of an Insured Person. The Maximum Insurable Age is stated in Item 5 of the Schedule.

Member Application Form the application form on which a member requests

cover which has been agreed between the Fund and Hannover from this to time.

Minimum Member Details means the following information must be received by

the Fund in order to establish an account for a member for the purposes of obtaining insurance cover under The Policy: (a) name; and (b) date of birth; and (c) address; and (d) date of commencement of employment.

Nominated Event means the Insured Person;

(a) purchases a home for their permanent resident and takes out a mortgage; or

(b) gets married; or (c) or their Partner gives birth or adopts a

child/children. On-Time means an Employer Contribution that is received by

the Fund within 180 days of the date in respect of which the Employer Contribution relates.

Other Occupation means any occupation the person is qualified to

perform by their education, training or experience at the time we assess the claim and includes;

http://www.dfat.gov.au/

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(a) part-time occupations; and (b) an occupation which may be perceived by the

person to be of lower status than the person‟s previous occupation or an occupation in which the person does not earn as much income as they did in their previous occupation.

Overseas means anywhere other than the Commonwealth of

Australia and its Territories. Participating Employer means an employer who makes or agrees to make

contribution payments to the Fund, abides by the rules governing the Fund and a Fund membership number is allocated to them.

Partner means a legal spouse or person living with the

Insured Person as their spouse on a bona-fide domestic basis. This person may be the same gender as the Insured Person.

Plan means the entity identified in Item 2 of the Schedule

and any successor fund or associated entity we agree to in writing.

Premium means the money paid to us or owed to us for the

insurance we provide under The Policy. Proposer means the owner of The Policy identified in Item 1 of

the Schedule. Terminal Illness means a disease or condition that, in the opinion of a

specialist medical practitioner approved by us, is likely to lead to the Insured Person’s death within 12 months from the date they were diagnosed with the Terminal Illness.

The Policy means the policy VGL 4194/A as varied from time to

time. Total and Permanent Disablement means either of the conditions described in clause

2.2.

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Appendix Agreed Benefit Scale for the Calculation of Default Cover under Executive Super and

Limited Cover under Select Super

Age Death Only Death and TPD Last 17 $150,000 $150,000 18 $150,000 $150,000 19 $150,000 $150,000 20 $150,000 $150,000 21 $150,000 $150,000 22 $150,000 $150,000 23 $150,000 $150,000 24 $150,000 $150,000 25 $150,000 $150,000 26 $150,000 $150,000 27 $150,000 $150,000 28 $150,000 $150,000 29 $150,000 $150,000 30 $150,000 $150,000 31 $150,000 $150,000 32 $150,000 $150,000 33 $150,000 $150,000 34 $150,000 $150,000 35 $150,000 $150,000 36 $150,000 $150,000 37 $150,000 $150,000 38 $150,000 $150,000 39 $150,000 $150,000 40 $141,600 $141,600 41 $134,500 $134,500 42 $127,300 $127,300 43 $120,100 $120,100 44 $113,000 $113,000 45 $105,800 $105,800 46 $98,700 $98,700 47 $91,500 $91,500 48 $84,500 $84,500 49 $77,300 $77,300 50 $70,200 $70,200 51 $63,100 $63,100 52 $56,000 $56,000 53 $48,800 $48,800 54 $41,600 $41,600 55 $38,100 $38,100 56 $34,500 $34,500 57 $30,900 $30,900 58 $27,300 $27,300 59 $23,700 $23,700 60 $20,200 $20,200 61 $16,600 $16,600 62 $13,000 $13,000 63 $9,400 $9,400 64 $5,800 $5,800

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Appendix

48% 12% 32% 8%

Age Last Non-Smoker Smoker Non-Smoker Smoker 16 0.43 0.48 0.16 0.17 17 0.43 0.48 0.16 0.17 18 0.43 0.48 0.16 0.17 19 0.43 0.48 0.16 0.17 20 0.43 0.48 0.16 0.17 21 0.43 0.48 0.16 0.17 22 0.40 0.47 0.15 0.16 23 0.37 0.46 0.15 0.15 24 0.35 0.44 0.15 0.15 25 0.33 0.44 0.15 0.15 26 0.32 0.44 0.15 0.15 27 0.31 0.44 0.15 0.16 28 0.30 0.45 0.15 0.17 29 0.30 0.46 0.15 0.18 30 0.31 0.48 0.15 0.20 31 0.31 0.49 0.15 0.22 32 0.31 0.50 0.16 0.25 33 0.31 0.52 0.17 0.28 34 0.31 0.53 0.19 0.31 35 0.31 0.54 0.20 0.34 36 0.32 0.56 0.22 0.38 37 0.33 0.58 0.24 0.42 38 0.34 0.62 0.27 0.46 39 0.36 0.67 0.29 0.51 40 0.39 0.73 0.31 0.56 41 0.42 0.80 0.34 0.62 42 0.45 0.87 0.36 0.67 43 0.49 0.95 0.39 0.73 44 0.53 1.04 0.42 0.79 45 0.57 1.12 0.45 0.85 46 0.60 1.19 0.49 0.93 47 0.63 1.27 0.52 1.01 48 0.67 1.36 0.57 1.10 49 0.72 1.46 0.62 1.20 50 0.78 1.60 0.66 1.30 51 0.85 1.75 0.72 1.42 52 0.93 1.93 0.79 1.56 53 1.03 2.15 0.86 1.71 54 1.15 2.41 0.93 1.86 55 1.29 2.69 1.02 2.04 56 1.45 3.05 1.11 2.22 57 1.64 3.45 1.20 2.42 58 1.86 3.92 1.32 2.68 59 2.11 4.47 1.47 2.99 60 2.39 5.08 1.65 3.36 61 2.74 5.83 1.86 3.80 62 3.14 6.71 2.10 4.30 63 3.62 7.75 2.38 4.89 64 4.17 8.97 2.71 5.57

InTrust Executive & Select Super Base Rates

Annual Premium Rates per $1,000 Agreed Benefit

Life Insurance Male Female

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Appendix

48% 12% 32% 8%

Age Last Non-Smoker Smoker Non-Smoker Smoker 16 0.54 0.61 0.24 0.26 17 0.54 0.61 0.24 0.26 18 0.54 0.61 0.24 0.26 19 0.54 0.61 0.24 0.26 20 0.54 0.61 0.24 0.26 21 0.54 0.61 0.24 0.26 22 0.52 0.60 0.23 0.26 23 0.49 0.59 0.22 0.25 24 0.48 0.60 0.22 0.26 25 0.47 0.61 0.22 0.27 26 0.46 0.62 0.22 0.29 27 0.46 0.63 0.23 0.30 28 0.46 0.65 0.23 0.31 29 0.46 0.67 0.24 0.34 30 0.47 0.70 0.26 0.37 31 0.47 0.73 0.27 0.40 32 0.48 0.76 0.28 0.43 33 0.49 0.79 0.30 0.48 34 0.50 0.83 0.33 0.53 35 0.51 0.87 0.35 0.58 36 0.53 0.93 0.38 0.65 37 0.56 0.99 0.42 0.72 38 0.60 1.08 0.45 0.80 39 0.65 1.19 0.50 0.89 40 0.71 1.32 0.55 1.00 41 0.78 1.46 0.60 1.10 42 0.86 1.62 0.66 1.22 43 0.94 1.80 0.72 1.34 44 1.04 2.00 0.79 1.48 45 1.14 2.21 0.87 1.64 46 1.27 2.47 0.96 1.84 47 1.40 2.74 1.07 2.05 48 1.54 3.05 1.19 2.30 49 1.72 3.41 1.32 2.58 50 1.93 3.83 1.47 2.87 51 2.16 4.31 1.64 3.21 52 2.43 4.83 1.83 3.58 53 2.74 5.46 2.04 4.00 54 3.09 6.14 2.27 4.43 55 3.48 6.91 2.52 4.92 56 3.94 7.80 2.80 5.47 57 4.47 8.83 3.12 6.07 58 5.09 10.03 3.51 6.80 59 5.82 11.44 3.97 7.67 60 6.66 13.06 4.51 8.70 61 7.64 14.95 5.14 9.89 62 8.64 16.88 5.77 11.08 63 9.76 19.05 6.47 12.40 64 11.01 21.48 7.25 13.87

InTrust Executive & Select Super Base Rates

Annual Premium Rates per $1,000 Agreed Benefit

Life and Total & Permanent Disablement Male Female

GROUP LIFE INSURANCE POLICY - Intrust Super · 2020. 5. 29. · Hannover Life Re of Australasia Ltd...

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Transcript of GROUP LIFE INSURANCE POLICY - Intrust Super · 2020. 5. 29. · Hannover Life Re of Australasia Ltd...