Introducing Income Secure Essentials and Severity Trauma
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- Georgia Smith
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1 Introducing Income Secure Essentials and Severity Trauma Adviser use only 1
2 POWERING YOU THROUGH ONECARE 2
3 CONTENTS Changing the insurance conversation 4 OneCare Income Secure Essentials 5 The customer claim journey 6 OneCare Income Secure Cover range 7 OneCare Severity Trauma 8 Support tools 10 3
4 CHANGING THE INSURANCE CONVERSATION The demands on financial advisers have never been greater. Not only do you face increased competition, legislation and scrutiny, you re also navigating an environment of rising insurance premiums and concerns over retaining your clients. That makes it difficult to give increasingly price-sensitive clients the cover they need. The life insurance industry is facing similar challenges. Life products were built on the basic principle that cover can help put clients back into the same financial position they would have been in if the event didn t happen. But in recent years, with vast medical improvements and product features and benefits becoming more generous, the cost of providing cover is rising making it more difficult for some clients to afford the cover they need. That s why ANZ Wealth is changing the insurance conversation by introducing two new covers in the OneCare range Income Secure Essentials and Severity Trauma. A common sense approach The new covers have been designed with the original intentions of these type of life products in mind to financially support those suffering illness or injury. The new covers are: OneCare Income Secure Essentials provides income support to clients through periods of disability, while giving them added incentives to return to work as their condition improves. Making insurance more accessible The new covers feature lower premiums than OneCare s other cover types. This means there are more Australians who can afford the level of cover they need, and can become your client at an earlier lifestage. OneCare Severity Trauma covers a broad range of medical conditions, but introduces a new tiered approach aligning payments with the severity of the condition. INCOME SECURE ESSENTIALS AND SEVERITY TRAUMA FEATURE: THEY MAY BE SUITABLE FOR CLIENTS WHO: lower premiums than other OneCare covers are younger or new to insurance two-year rate lock guarantee have cost or cash flow concerns earn Qantas Points on premiums are trying to save for retirement 4
5 ONECARE INCOME SECURE ESSENTIALS The case for change Income protection insurance is simple in principle it provides monthly payments where illness or injury affects the insured s ability to work. Originally the product was designed to replace a portion of the insured s lost income while they were unable to work, so they could concentrate on recovering without worrying about everyday living expenses. However, over the years many insurers have added generous product benefits and features that go beyond the original purpose. Has this generosity created a situation where some claimants are receiving more money on claim than they were earning pre-claim? Has this created a disincentive to return to work? A unique package of in-built features Income Secure Essentials offers a package of benefits designed to provide support to clients through periods of disability, while giving them added incentives to return to work as their condition improves. New features include: Severity Booster Benefit If your client is temporarily unable to perform two of the five activities of daily living after six months on a claim for Total Disability, we will boost the monthly benefit by one-third taking the payment to 100% of their preclaim earnings. Pregnancy Premium Waiver Feature We will waive premiums for up to six months over the life of the policy, should your client become pregnant. Rehabilitation and Retraining Incentive Benefit If your client completes a rehabilitation or retraining program and returns to work for six consecutive months, we will pay 1 x monthly benefit. Return to Health Benefit We will pay an additional 10% of the monthly benefit when your client is attending an approved rehabilitation or retraining program. We will also pay for the program itself. 10 Year Benefit Period We offer an additional benefit period to provide even greater flexibility. 5
6 THE CUSTOMER CLAIM JOURNEY WORKING BACK TO HEALTH There s a growing body of evidence to suggest that returning to work can actually play an important role in recovery. For example, working: provides mental stimulation and social interaction, adds structure and physical activity to the week, and increases confidence, self-esteem and independence. Source: Realising the Health Benefits of Work, Australasian Faculty of Occupational & Environmental Medicine Position Statement, Pg.4, 2011 Income Secure Essentials provides the support clients may need when they re unable to work. But it also incentivises clients to undergo rehabilitation and/or retraining which may enable them to return to work sooner which we believe can help deliver better outcomes for your clients. Rehabilitation and retraining incentive benefit SEVERITY BOOSTER BENEFIT (6 MONTHS +) RETURN TO HEALTH BENEFIT (0-24 MONTHS) 0 MONTHS 3 MONTHS 6 MONTHS 24 MONTHS Disability definition is Any important income producing duties Standard offsets Indemnity only Paid leave offset Ongoing income offset Total disability payment when partially disabled (10 hours) Assessed against Any important income producing duties of any occupation suited by education, training or experience 6
7 ONECARE INCOME SECURE COVER RANGE Income Secure Essentials complements our existing range of stand-alone and linked cover options, giving you greater choice and helping you cater to a wide range of clients and ownership structures. Non Super Super STAND-ALONE COVERS PROFESSIONAL COMPREHENSIVE STANDARD SPECIAL RISK ESSENTIALS NEW BASIC SuperLink Options LINKED COVERS BASIC SUPERLINK INCOME SECURE SUPERLINK For full details please refer to the OneCare Product Disclosure Statement (PDS) available on Adviser Advantage. 7
8 ONECARE SEVERITY TRAUMA The case for change Trauma Insurance was originally designed to help clients fund large medical expenses that may arise if they suffer a serious medical condition, such as cancer or a heart attack. However, high cover levels and an all or nothing approach to benefit payments means there s often a mismatch between the financial support a client receives from an insurer and what they really need particularly for medical conditions that can more easily be treated. Matching the cover to the need Severity Trauma makes cover more affordable for clients by offering a tiered benefit structure for a number of major conditions, ensuring a better alignment between the event and the financial impact. The following diagram shows the three tiers and how they are applied for five medical conditions. With medical advances increasing the chances of early diagnosis, and offering less invasive treatments for a number of conditions, we believe a tiered benefit structure increasingly makes sense. How the three tiers work TIER 1 TIER 2 TIER 3 Benefit Paid 10% Benefit Paid 50% Benefit Paid 100% Cancer T1 T2 T3/T4 Heart Attack Diagnosed <50% ejection fraction <40% ejection fraction Stroke Diagnosed Residual impairment Severe impairment Motor neurone disease Loss or paralysis of limb Diagnosed Permanent impairment Permanent 8
9 EXAMPLE HEART ATTACK Phillip took out a policy with $500,000 Severity Trauma Cover. After one year, Phillip suffers a heart condition and meets the defined heart attack (diagnosed) condition. Phillip receives $50,000 (Tier 1 being 10% of the amount insured) which reduces his Severity Trauma Cover to $450,000. Three months after having ongoing optimal therapy for the heart condition, Phillip is left with a permanent impairment and meets the defined heart attack permanent LVEF less than 50% condition. Because the condition is a progression of the prior claim, Phillip receives $225,000 (Tier 2 being 50% of the remaining amount insured) which reduces his Severity Trauma Cover to $225,000. What it covers Severity Trauma is based on OneCare s Trauma Comprehensive, paying: a full benefit for 33 medical conditions, with a tiered structure for the main conditions a partial benefit for 38 medical conditions Some severe medical conditions are not considered suitable to be tiered. For those we will pay a full benefit. Severity Trauma also includes a new Pregnancy Premium Waiver benefit. So we will waive premiums for up to six months over the life of the policy, should your client become pregnant. Please note that clients with Severity Trauma will not be offered Life Cover buy back or other optional benefits such as Trauma Cover re-instatement. OneCare Trauma Cover range Severity Trauma complements our existing Trauma Cover range to help you meet the needs of more clients. NEW PREMIER COMPREHENSIVE SEVERITY For full details please refer to the OneCare PDS available on Adviser Advantage. 9
10 SUPPORT TOOLS Explainer video This short video helps you communicate the benefits of OneCare s new covers. To see the video login to Adviser Advantage. OneCare Product Disclosure Statement The new covers are included in the OneCare PDS dated 19 August You can download or orders copies of the OneCare PDS on Adviser Advantage. 10
11 FOR MORE INFORMATION PLEASE TALK TO YOUR ANZ WEALTH BUSINESS DEVELOPMENT MANAGER. 11
12 Important information: The issuer of this communication is Australia and New Zealand Banking Group Limited ABN (ANZ). The information is current as at August 2017 but may be subject to change. Updated information will be available by contacting your ANZ Wealth Business Development Manager. It is for the use of advisers only and may not be reproduced without the prior written permission of the issuers. OneCare Super is issued by OnePath Custodians Pty Limited (ABN , RSE L , AFSL ) (OPC). OneCare is issued by OnePath Life Limited (ABN ) (OPL). Potential insureds should read the relevant PDS available by calling or an ANZ Wealth Business Development Manager, before deciding whether to acquire, or to continue to hold, the product. This information is of a general nature and has been prepared without taking account of your client s objectives, financial situation or needs. Your client should consider the appropriateness of the advice, having regard to their objectives, financial situation and needs. The issuers of the products are wholly owned subsidiaries of ANZ. ANZ is an authorised deposit taking institution (Bank) under the Banking Act The issuers of the products are not a Bank. Except as set out in the PDS, these products are not a deposit or other liability of ANZ or its related group of companies. Neither ANZ or any member of the ANZ Group stands behind or guarantees the products or issuers of the products. Read our Financial Services Guide for information about our services, including the fees and benefits that related companies and their representatives may receive in relation to products and services provided to you. Contact us on onepath.com.au for a copy of our Financial Services Guide _A4891/
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