Sort out your. TONY CARDEN, BUSS(Q) Member

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1 Sort out your INSURANCE ONLINE TONY CARDEN, BUSS(Q) Member YOUR QLD INDUSTRY SUPER FUND

2 BUSS(Q) makes it easy to top up your life insurance online With BUSS(Q) s online insurance application, you can apply to top up your level of Death and TPD Cover, in around 0-0 minutes. Here s how it works: Step Login to MemberAccess via to check your current levels of Death and TPD Cover. Step Use the worksheets in this brochure to calculate how much Death or TPD Cover you might need. Step Access the online insurance application via the insurance section of MemberAccess. Step 4 Step 5 Answer a few questions about your health and medical history, and submit your application online. You will find out immediately if your application has been accepted, or if it has been sent to our insurance provider, OnePath, for further assessment. OnePath may contact you if more information is required. Why top up your insurance inside super? BUSS(Q) s wholesale insurance has been developed specifically for workers in the building, construction and civil industries Discounted insurance premiums for BUSS(Q) members Pay premiums tax-effectively using super money No additional bills your premiums are deducted from your super FINANCIAL ADVICE AT NO EXTRA COST BUSS(Q) gives members access to practical financial advice about super at no extra cost, as it s included in the fund s administration fee. For assistance with your insurance needs, speak to a financial adviser over the phone or in person by contacting us on 800 MY BUSSQ ( ).

3 How much Death Cover do you need? Death Cover pays a lump sum if you die or are diagnosed terminally ill. It can help to eliminate any personal or business debts, and provide an income for your partner and dependants. Use the worksheet below to estimate how much Death Cover you might need to protect your family. Death Cover Worksheet Eliminate your debts Home loan $ Other debts eg. credit cards, bank loans $ Funeral and final expenses $ TOTAL DEBTS = $ Capital required to meet income: Total SALARY = $ p.a x 0 years* = $ Cash in your assets Investments $ Superannuation $ Other $ TOTAL ASSETS = $ How much do you need? Lump sum required to eliminate debts $ Plus: Amount to replace income $ Minus: Proceeds from the sale of your assets $ Approx. Death cover you need = $ *0 years is generally considered as industry standard.

4 How much TPD Cover do you need? Total and Permanent Disablement (TPD) Cover pays a lump sum if you suffer a serious illness or accident that leaves you unable to work again. It can help you eliminate any personal or business debts, replace your income, and help you cover additional medical expenses. Use the worksheet below to estimate how much TPD Cover you might need to protect your family. TPD Cover Worksheet Eliminate your debts Home loan $ Other debts eg. credit cards, bank loans $ TOTAL DEBTS = $ Capital required to meet income: Total SALARY = $ p.a x 0 years* = $ Cover additional expenses Medical expenses $ Modifications to your home $ Cost of a carer $ TOTAL EXPENSES = $ Cash in your assets Investments $ Other $ TOTAL ASSETS = $ How much do you need? Lump sum required to eliminate debts $ Plus: Amount to replace income $ Plus: Amount required to cover additional expenses $ Minus: Proceeds from the sale of your assets $ Approx. TPD cover you need = $ *0 years is generally considered as industry standard. 4 4

5 No one thinks it will happen to them No one expects to get sick, injured or die prematurely. And while everyone knows these things happen, we live in hope they won t happen to us. But sickness, premature death and injury do happen to blokes of all ages. In 009 over $8 million was paid in insurance claims to BUSS(Q) members and their families. How much insurance do you need? As a member of BUSS(Q), you may automatically have a minimum level of Death Cover and Total and Permanent Disablement (TPD) Cover inside your super. While this is a great start, a minimum level of cover is often not enough to provide for your future particularly if you have dependents, a mortgage, or both. That s why we ve made it quick and easy to top up your level of cover online. Keep your family s future on track BUSS(Q) s insurance products are designed to provide you with a simple, low-cost alternative when it comes to purchasing insurance protection giving you and your family a financial back-up plan, should the worst happen. Importantly, we also help you protect your family s future. By providing low-cost, taxeffective insurance inside super, we make it easy to get the cover you need giving you and your family a financial back-up plan. What types of cover may be available to BUSS(Q) Members? Death Cover for death and terminal illness pays a lump sum if you die or are diagnosed terminally ill. TPD Cover for total and permanent disablement pays a lump sum if you re totally and permanently disabled by an illness or accident.

6 For more information on the types of life insurance available and how the policies work, please visit Customer Service Level 5, ANZ Building 4 Queen Street Brisbane QLD 4000 Postal Address GPO Box 775 Brisbane QLD MY BUSSQ ( ) Fax: super@bussq.com.au Important Information The advice supplied in this publication is general advice only and does not take into account or consider your personal objectives, financial situation or needs. Before acting on this information, you should consider the appropriateness of the information to your individual needs or seek independent advice from a properly qualified professional. BUSS(Q) offers members financial advice in relation to their superannuation at no extra cost to the member, as the cost for this advice is included in the fund s administration fees. Before acquisition of a BUSS(Q) product, a Product Disclosure Statement should be obtained. A copy of BUSS(Q) s Financial Services Guide and Product Disclosure Statements may be downloaded from bussq.com.au or you can request a copy by contacting BUSS(Q) on 800 MY BUSSQ ( ). Licence and registration numbers for: BUSS(Queensland) Pty Ltd ABN ; AFS Licence 7860; BUSS(Q) ABN ; RSE L00058, Registration Number R The Trustee offers members insurance through a group insurance arrangement with OnePath Life Limited (ABN , AFSL 84). The information in this brochure was current as at January 0.