J002478 Cigna Assessment Form Trauma May2020 Interactive

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ASSURANCE EXTRA TRAUMA COVER ASSESSMENT

Trauma Cover Assessment

DisclaimerThis assessment is provided by Cigna Life Insurance New Zealand Limited (“Cigna”) as part of its adviser training and professional development programme. It is intended to assist you in understanding Cigna’s products and services. The information and material contained in this assessment is general in nature and a summary of only some of the features of Cigna’s products and services. It is not intended to test or assess your understanding of all of the features of Cigna’s products; and successful completion of the assessment in no way implies any expertise in Cigna’s products and services. It is not a substitute for comprehensive reading of, and understanding, the policy document and all other product collateral, and the information in this assessment should not be relied upon for the purposes of providing financial or professional advice. The information on which this assessment has been prepared is subject to change. To the extent permitted by law Cigna disclaims liability or responsibility to any person for any direct or indirect loss or damage that may result from any errors in, or any act or omission by any person in relation to, the material in the assessment. The information contained in this assessment is intended only for Cigna advisers. No part of this document may be reproduced, published or distributed without Cigna’s prior written consent.

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Adviser Code:

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Cigna BPM:

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You must achieve a minimum score of 80% to complete the assessment successfully.

For each question, please select the correct answer(s) from the choices provided. After answering each question, click to proceed. You must attempt each question before proceeding to the next question.

To complete this module, please read the relevant Cigna terms and conditions and Product Collateral.

15 questionsOverviewAt Cigna we’re committed to providing you with professional assistance which includes training and development.

This assessment will assist you with understanding our Trauma Cover product.


1/15

When the life assured suffers poor health

When the life assured can’t work

When the life assured meets the criteria for a condition we cover

When the life assured requires surgery

Q1: When will a claim be payable under our Trauma cover? Q2: When does Trauma Cover expire?

The life assured’s 60th birthday





2/15

When the life assured suffers poor health

When the life assured can’t work

When the life assured meets the criteria for a condition we cover

When the life assured requires surgery

Q1: When will a claim be payable under our Trauma cover? Q2: When does Trauma Cover expire?






3/15

100% of the Trauma Cover sum insured

25% of the Trauma Cover sum insured up to $75,000


Nil as early stage melanomas are not covered

Q3: Provided the life assured meets all the other criteria, a claim for a melanoma that is 0.5 mm depth of invasion using the Breslow Method and is less than Clark Level 3 may get the following amount:

Q4: What is a listed event under the Trauma Cover Life Events Benefit?

Getting married or entering a civil union

Getting a divorce or separating from a defacto partner

Increasing an existing residential mortgage

Giving birth to or legally adopting a child

All of the above


4/15

100% of the Trauma Cover sum insured



Nil as early stage melanomas are not covered

Q3: Provided the life assured meets all the other criteria, a claim for a melanoma that is 0.5 mm depth of invasion using the Breslow Method and is less than Clark Level 3 may get the following amount:

Q4: What is a listed event under the Trauma Cover Life Events Benefit?

Getting married or entering a civil union

Getting a divorce or separating from a defacto partner

Increasing an existing residential mortgage

Giving birth to or legally adopting a child

All of the above


5/15

True

False

Q5: The Optional Trauma Cover Buy-Back benefit can be used to buy back the Trauma Cover sum insured amount that has been reduced as a result of a Partial Benefit claim paid.

Q6: What is the Financial and Legal Advice Benefit under Trauma Cover?

All of the above

An additional amount of up to $2,500 to reimburse the costs of professional advice received within 3 months of Cigna paying the Full Trauma Benefit. The professional advice received must be about using the money from the claim payment

An early payment of the Trauma Cover sum insured to reimburse the costs for professional advice of up to $2,500

An additional amount to reimburse actual costs for financial planning, grief counselling or accounting advice of up to $2,500 received within 3 months after the Full Trauma Benefit was paid


6/15

True

False

Q5: The Optional Trauma Cover Buy-Back benefit can be used to buy back the Trauma Cover sum insured amount that has been reduced as a result of a Partial Benefit claim paid.

Q6: What is the Financial and Legal Advice Benefit under Trauma Cover?

All of the above

An additional amount of up to $2,500 to reimburse the costs of professional advice received within 3 months of Cigna paying the Full Trauma Benefit. The professional advice received must be about using the money from the claim payment

An early payment of the Trauma Cover sum insured to reimburse the costs for professional advice of up to $2,500

An additional amount to reimburse actual costs for financial planning, grief counselling or accounting advice of up to $2,500 received within 3 months after the Full Trauma Benefit was paid


7/15

Q7: When can the Optional Guaranteed Insurability on Trauma Cover be used?

Every second policy anniversary date even if a Life Events Benefit increase has happened in the previous year

Every second policy anniversary date after the life assured has increased the sum insured by the total allowed under the Life Events Benefit

Every fifth policy anniversary date

Every second anniversary date as long as no Life Events Benefit increase has happened in the previous policy year and as long as the option is selected

Q8: The Diagnosis Benefit is an early payment of the Trauma Cover sum insured. How much will we pay?

Actual costs of medical treatment

Up to 75% of income

The value of the outstanding mortgage debt

The lesser of 25% of the Trauma Cover (or Children’s Benefit) sum insured or $75,000


8/15

Q7: When can the Optional Guaranteed Insurability on Trauma Cover be used?

Every second policy anniversary date even if a Life Events Benefit increase has happened in the previous year

Every second policy anniversary date after the life assured has increased the sum insured by the total allowed under the Life Events Benefit

Every fifth policy anniversary date

Every second anniversary date as long as no Life Events Benefit increase has happened in the previous policy year and as long as the option is selected

Q8: The Diagnosis Benefit is an early payment of the Trauma Cover sum insured. How much will we pay?

Actual costs of medical treatment

Up to 75% of income

The value of the outstanding mortgage debt

The lesser of 25% of the Trauma Cover (or Children’s Benefit) sum insured or $75,000


9/15

Q10: The Support Person Accommodation Grant and Transfer Benefit will pay an amount of $200 for each night a support person stays with the life assured while they’re getting treatment away from their home area, for up to how many nights?

4 nights

5 nights

10 nights

15 nights

Q9: The built-in Partial Benefit of 25% of the Trauma Cover sum insured up to $75,000 is payable for which of the following conditions:

Severe Osteoporosis

Adult Insulin Dependent Diabetes Mellitus

Colostomy and/or Ileostomy

Severe Rheumatoid Arthritis

All of the above


10/15

Q10: The Support Person Accommodation Grant and Transfer Benefit will pay an amount of $200 for each night a support person stays with the life assured while they’re getting treatment away from their home area, for up to how many nights?

4 nights

5 nights

10 nights

15 nights

Q9: The built-in Partial Benefit of 25% of the Trauma Cover sum insured up to $75,000 is payable for which of the following conditions:

Severe Osteoporosis

Adult Insulin Dependent Diabetes Mellitus

Colostomy and/or Ileostomy

Severe Rheumatoid Arthritis

All of the above


11/15

Q11: When does the Life Events Benefit expire?





Q12: The Optional Children’s Benefit and Complimentary Children’s Benefit applies to a child aged?

18 months to 3 years





12/15

Q11: When does the Life Events Benefit expire?





Q12: The Optional Children’s Benefit and Complimentary Children’s Benefit applies to a child aged?






13/15

Q13: What happens to the Optional Children’s Benefit once the child turns 19 years of age?

Nothing, it continues as normal

All benefits end

All benefits automatically revert to adult Trauma Cover and an adult premium applies

The benefit ends unless an application to convert the cover to a standalone Trauma Cover is received within 90 days of the child’s 19th birth date

Q14: What is the maximum sum insured available per child under the Optional Children’s Benefit?

$50,000

$100,000

$150,000

$200,000


14/15

Q14: What is the maximum sum insured available per child under the Optional Children’s Benefit?

$50,000

$100,000

$150,000

$200,000

Q13: What happens to the Optional Children’s Benefit once the child turns 19 years of age?

Nothing, it continues as normal

All benefits end

All benefits automatically revert to adult Trauma Cover and an adult premium applies

The benefit ends unless an application to convert the cover to a standalone Trauma Cover is received within 90 days of the child’s 19th birth date


15/15

Q15: There is a 90 day stand-down period for certain trauma conditions. When does this stand-down period begin?

The date the life assured signs the application form

The date the application form is received by Cigna

The date the policy is issued

All the above

Thank you for completing this assessment.You will need to return your completed assessment back to us to calculate your results.

05-

2020

Cigna Life Insurance New Zealand Limited (Cigna)

J002478 Cigna Assessment Form Trauma May2020 Interactive

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Transcript of J002478 Cigna Assessment Form Trauma May2020 Interactive