Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth...
Transcript of Protect your greatest asset. You. - Vow · 2015-12-23 · distributed and marketed by Vow Wealth...
L O A N P R O T E C T
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L O A N P R O T E C T
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Protect your greatest asset.
You.
We protect our skin from the sun
6.6 million
We protect our skin from the sun
units of sunscreen are sold in Australia every year*.6.6 million
We protect our families
Child seats are sold in Australia every year**.
250,000
Child seats are sold in Australia every year**.
250,000
We protect our heads
4.2
mill
ion
Aus
tral
ian’
s pu
t on
a cy
clin
g
helm
et e
very
wee
k***
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
biggest asset?
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.
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
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.
‡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:
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.
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
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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