Stakeholders have clear expectations and can see you as being there to do what's asked rather than challenge the status quo or push for change. emails and Home Loans newsletter. Hostplus offers its members a product called salary continuance insurance, which it also refers to as income protection. However, anyone can join the fund no matter what industry you’re in. Metlife underwrites life insurance products held within your Hostplus super fund. © 2020 AHL Kindly give us a call on 1300 743 254 and an insurance specialist will assist you. I have been diagnosed with severe COPD which is increasingly making my job more difficult to perform. Only one infrastructure super fund made a return. We may receive compensation from our partners for placement of their products or services. Acceptance is subject to underwriting from Metlife. Satisfying the insurer’s (Metlife) definition of a claimable event. Compare Income Protection Insurance. Hostplus is an industry super fund which provides income protection cover to its members, as well as death cover and total and permanent disablement cover. By subscribing to Canstar’s monthly Home Loans newsletter, you also agree to Canstar's Privacy Policy. The super fund can generally buy policies in bulk, and thus receive a discount, which might result in cheaper premiums. © Copyright 2020 CANSTAR Pty Limited AR 443019All Rights Reserved, *We are Australia’s Biggest Financial Comparison Site. Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. You also agree to Canstar's Privacy Policy. Hostplus does not provide additional death and TPD insurance for certain professions. In 2020, Canstar Research calculated the average monthly income protection premiums for non-smoking male and female workers aged 27 and 52. to see how the premiums differed, but keep in mind that these figures relate to direct income protection premiums rather than income protection taken out through Hostplus or another super fund. Please request that Hostplus send you your life insurance documents, including the Product Disclosure Statement (PDS), so you review what you are and are not covered for and the insurance amount. However, if you’re young and healthy, you can generally get a fully underwritten policy that’s tailored to your unique requirements for much cheaper. Please request that Hostplus send you your life insurance documents, including the Product Disclosure Statement (PDS), so you review what you are and are not covered for and the insurance amount. Consider the product disclosure statement (PDS) before making any financial decision. Investments Pty Ltd ABN 27 105 265 861. Credit and any applicable offset accounts for Aussie Elevate are issued by Bendigo and Adelaide Bank Limited ABN 11 Applications are subject to approval, fees and charges apply. While compensation arrangements may affect the order, position or placement of product information, it doesn’t influence our assessment of those products. Can you please tell me if I have income protection and if I lose my job will I be covered. A lump sum benefit is payable in the case of your death, diagnosis of a terminal illness or total and permanent disablement. Hostplus notes that certain occupations are ineligible for salary continuance cover; you can, You must be at least 15 years old and under 65 years of age, You must be either an Australian resident or a lawful non-citizen. At the time of writing, Hostplus offers one salary continuance product to its members. By submitting your details you will deal directly with an Aussie mortgage broker and not with Canstar. As you need to be a Hostplus member before you can apply for its salary continuance insurance, Hostplus will likely have most of the personal details it needs already. Help us be the best! No benefit will be payable in the event of your intentional, self-inflicted act, or any attempt to commit suicide. Written by: James Hurwood | Last updated: April 17, 2020. Because premiums are paid from your Hostplus super fund and not from your after-tax income, some tax benefits might be available. To help you determine whether Hostplus insurance provides value for money, we encourage you to get a quote from them and compare it to Australia’s leading life insurance companies.
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