If you are providing your client with advice about their account in our fund, please see below some details to assist with your client conversations.
|Minimum account balance (applies to post-employment members only)
|Minimum amount for cash withdrawals
|Minimum amount for partial rollovers
|Asset allocations and investment option information
||Refer to the Member Guide (PDS) and Reference Guide: Invest your account|
|Pension phase and TRIS available?
|Spouse account available?
|Choice of super fund contributions available post employment?
|Premiums stepped or level||Stepped. Level premiums are unavailable|
|Occupation classes||White collar only|
|Increasing claims option||Unavailable|
|Is terminal illness cover included?
|Life cover buyback
||70 – to apply for cover, member must be under age 70
|Maximum sum insured
|Auto acceptance limit
|Can this cover be standalone?||No, must be linked to death cover|
|Any or own occupation||Any occupation only|
|TPD definition unlikely or unable||Unlikely|
|Maximum sum insured||$3,000,000|
|Auto acceptance limit||$1,500,000|
|Expiry age||70 – cover expires when member turns 70 (Altered definition applies after age 60. Please refer to the Member Guide (PDS) and Reference Guide: Insurance cover for details.)|
|Agreed value or indemnity?||Indemnity. Agreed value is unavailable|
|Maximum sum insured||$25,000 per month|
|Is auto acceptance available?||No|
|Expiry age||Next premium due date after you reach age 65|
|Administration/Member fixed fee
||$5.50 net of tax per month
|Asset-based administration fee
There are up to eight options available. Investment fees1:
|Investment Option||Estimated investment fee1 (%pa) As at 1 July 2016|
For more details on your client’s Accumulate Plus account, please refer to the Member Guide (PDS) and Reference Guides for Accumulate Plus.
Advice fees relating to your client’s account in our fund can be deducted straight from their account – and not out of their pocket. Download our Request to pay advice fee form for more information.