ANZ Income Protection
You could earn 20,000 bonus Qantas Points and get closer to your next reward, when you take out ANZ Income Protection by 31 July 2013 and hold the policy for 12 months*. Plus you will also earn 1 point^ for every $1 you spend on premiums, once you supply your Qantas Frequent Flyer membership number to ANZ.
With ANZ Income Protection enjoy these great benefits:
- Income cover of up to $10,000 per month∆ to help pay the mortgage, everyday bills and other expenses if you suffer a major illness or injury and can't work
- Your choice of cover level to suit your budget∆
- Your premiums may be tax deductible#
- Apply online or over the phone in minutes with no medicals (a pre-existing medical condition exclusion applies‡)
To receive all of these benefits including the 20,000 bonus points offer, simply apply using the link below by 31 July 2013 and hold the policy for 12 months*. Take advantage of this limited time bonus points offer, and watch your points balance grow.
ANZ Income Protection is issued by OnePath Life Limited (ABN 33 009 657 176) (OnePath Life) a wholly owned subsidiary of ANZ. This information is of a general nature and has been prepared without taking account of your objectives, financial situation or needs. Qantas does not endorse, is not responsible for and does not provide any advice, opinion or recommendation about this product or the information provided by OnePath Life in this communication. You should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. ANZ recommends that you read the ANZ Financial Services Guide and ANZ Income Protection Product Disclosure Statement and Policy (PDS), available by calling 13 16 14 or visiting anz.com, before deciding whether to acquire, or to continue to hold, the product. In addition to their salary, ANZ staff members may receive monetary and non-monetary benefits depending on the product they are selling or providing advice on. You may request further information from ANZ.
*ANZ Income Protection is an ‘eligible OnePath policy’. The bonus 20,000 points offer is only available to customers who: (a) apply for a new ANZ Income Protection policy by 31 July 2013, either online via the links specified by OnePath Life, in this case anz.com/qffincome, or over the phone by calling 1300 464 111 or 1300 464 888; (b) hold and pay the premium for the ANZ Income Protection policy for a minimum period of twelve (12) consecutive months; and (c) supply their Qantas Frequent Flyer membership number details to OnePath Life within 30 days of taking up the ANZ Income Protection policy. If customers acquire more than one eligible OnePath policy with the same product name, they are only eligible to be credited with bonus points available as part of an acquisition incentive once, and cannot use this offer in conjunction with any other acquisition offer for this product. The ability to earn Qantas Points for every $1 of premium you pay in accordance with the ‘OnePath Frequent Flyer Rewards Terms and Conditions’ is not impacted by this acquisition offer. Bonus Qantas Points may take up to 2 months after the minimum holding period of 12 months has expired to be credited to your Qantas Frequent Flyer account. This acquisition offer is not available through any other distribution channel.
^You must be a Qantas Frequent Flyer member and correctly register valid membership details with OnePath Life to start earning Qantas Points on eligible OnePath Life premiums you pay. Points are earned in accordance with the 'OnePath and Qantas Frequent Flyer Rewards Terms and Conditions'. Membership and the earning and redemption of points is subject to the Qantas Frequent Flyer program terms and conditions available at qantas.com/terms. Points are only earned on premiums you pay after OnePath Life has received your Qantas Frequent Flyer membership details.
∆The monthly amount payable for a valid claim may be less than the Income Benefit selected at the time of application, depending on your ‘pre-claim earnings’ and ‘other payments’. The maximum monthly benefit available depends on your occupation category at time of application, and is up to $10,000 for a standard risk occupation, and up to $3000 for a special risk occupation. When you apply, we will class your occupation as standard risk or special risk. The optional Total and Permanent Disability (TPD) Benefit is not available if you are classed as having a special risk occupation.
#The Income Benefit may be considered as income replacement. Therefore the premiums for the Income Benefit may be tax deductible, and Income Benefit payments may be assessable as income. The information in this document is a guide only and does not represent tax advice. You should seek professional advice specific to your individual circumstances.
‡A pre-existing medical condition exclusion applies. A pre-existing medical condition is an injury, illness, condition or related symptom occurring in the two years before the policy acceptance date, that you (or a reasonable person in your position) were aware of, or should have been aware of; or for which you had, or were intending to have, a medical consultation; or for which a reasonable person in your circumstances would have had a medical consultation.