Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth...

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LOAN PROTECT POWERED BY Protect your greatest asset. You.

Transcript of Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth...

Page 1: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

L O A N P R O T E C T

POWERED BY

L O A N P R O T E C T

POWERED BY

Protect your greatest asset.

You.

Page 2: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

We protect our skin from the sun

6.6 million

Page 3: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

We protect our skin from the sun

units of sunscreen are sold in Australia every year*.6.6 million

Page 4: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

We protect our families

Child seats are sold in Australia every year**.

250,000

Page 5: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

Child seats are sold in Australia every year**.

250,000

Page 6: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

We protect our heads

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Page 7: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative
Page 8: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

The reason is simple. Life is full of risks, and taking precautions just makes sense. Unfortunately, the benefits of protecting our home become just as obvious after an illness or injury.

Too many people realise this too late. With Loan Protect, you’ll be taking a simple, affordable precaution that will have enormous benefits if and when the unforeseen occurs.

biggest asset? So

why

not

our

Page 9: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

biggest asset?

Page 10: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

Everyday, we take sensible precautions to protect ourselves.

We swim between the flags. We put on our seatbelts.

We look left and right before crossing the road.

Page 11: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

Everyday, we take sensible precautions to protect ourselves.

We swim between the flags. We put on our seatbelts.

We look left and right before crossing the road.

Loan protect: benefits at a glance

A death and terminal illness benefit of up to

$1,000,000

A payment of 30% of your cover amount

if you incur a serious illness or injury

Up to $2,500‡ a month for up to 3

months if involuntarily unemployed

Simple online application

Page 12: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

Critical illness

ONE policy: THREE levels of cover The greatest threats to your ability to fund your home loan are:

1

Alzheimer’s disease – dementia

Coronary artery bypass surgery†

Heart attack†

Kidney failure

Loss of physical independence

Malignant Cancer†

Paralysis

Severe burns

Stroke†

Total loss of hearing

Total loss of sight

It’s wiser to prepare for illness or injury than to ignore the possibility. After all, they happen to almost everyone, and they’re impossible to foresee. With Loan Protect, you’ll be covered for:

†A three-month exclusion period applies. Please refer to the Product Disclosure Statement.

Page 13: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

‡Terms and conditions apply.

Loss of life or terminal illness

If you find yourself out of work due to redundancy within a year of your cover commencing, we’ll pay you up to $2,500‡ a month for up to 3 months to help you cover repayments.

2

3

Should the unthinkable happen, your forward thinking could ensure your family won’t struggle with a loan default. Loan Protect is not tied to your loan, so the full benefit amount is paid to you (not the bank):

• Protect your loan amount for up to $1,000,000• Provide a lump sum benefit to a joint owner, to be used for any purpose.

Involuntary unemployment

ONE policy: THREE levels of cover The greatest threats to your ability to fund your home loan are:

Page 14: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

Get affordable cover nowThe costs of cover are based on your unique attributes, but you’ll find Loan Protect cover surprisingly affordable.

For instance, a single non-smoking 28-year old female will pay only $1.56 a day for $400,000 worth of cover.

For couples where both applicants are 35 and non-smoking, they’ll pay approximately $4.36 a day for $400,000 worth of cover each.

It’s a small price to pay for the certainty of knowing that your most important asset is covered, whatever happens.

Page 15: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

Taking this simple precaution isn’t much harder than putting on your seatbelt, or looking before you cross the road.

To be eligible for Loan Protect cover you simply need to be:

• Between 18 and 59 years old • an Australian or New Zealand citizen, or a permanent resident; and• applying for a mortgage, loan or loan increase through Vow.

Your Vow Broker will be able to provide you with an accurate quote and arrange the cover best suited to you.

Take out cover now and you have 30 days to check any existing cover you may have and consider whether or not you need your Loan Protect cover. If you decide to cancel your cover during this cooling off period, you’ll receive a full refund.

Take the next logical step

Page 16: Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative

Vow Loan Protect is issued by MetLife Insurance Limited ABN 75 004 274 882, AFSL 238096 (MetLife) (Death, Terminal Illness & Critical Illness Benefit) and ACE Insurance Ltd ABN 23 001 642 020, AFSL 239687 (Involuntary Unemployment Benefit). It is distributed and marketed by Vow Wealth Management Pty Limited ABN 46 149 304 469, (AR 403550) Corporate Authorised Representative of Yellow Brick Road Wealth Management Pty Limited ABN 93 128 650 037, AFSL 323825. Vow Wealth and YBR Wealth are wholly owned subsidiaries of Yellow Brick Road Group Pty Limited ABN 58 124 415 194. The Financial Services Guide provides more information about our services. The information provided is of general nature and cannot be relied upon or construed as any form of advice. The information provided does not take into account your objectives, financial situation or needs. You should consider if the information is appropriate for you before making a decision. You should always seek independent financial and legal advice before making a decision in relation to a financial product.

Read the Product Disclosure Statement (PDS) and the Financial Services Guide (FSG) before making a decision.

* Regulation Impact Statement Australia and New Zealand Sunscreen Standard AS/NZS 2604:2012** www.news.com.au/finance/business/worlds-safest-isofix-child-car-seats-coming-to-australia/story-fnda1bsz-1227068257280*** Australian cyclist numbers and population 1985/6 - 2015

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L O A N P R O T E C T

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