New Benefit for Members
Income Protection made easy
- Total Disability Benefit: up to $20,000 per month income replacement1
- Special Care Benefit
- Rehabilitation Expense Benefit
- Child Care Benefit
- No medical examinations required2
- 24 hours a day worldwide cover
- Immediate cover3
Guild Financial Services has made this product available through its strategic partnership with ING Life. It’s a simple, convenient way for PDL members to take out this important cover.
Apply for ProSecure Income
Replacement Plan
now!
And applying is quick and easy.
In almost no time at all, you could be benefiting from ING Life’s ProSecure Income Replacement Plan, which provides income protection cover up to 75% of your gross monthly income1.
It covers disabilities ranging from stress4 to cancer or physical injury,
and could help you continue to meet your essential financial obligations such as bills and mortgage repayments for up to 2 years while taking the time to look after your health.
But be quick!
Apply by 22 July 2010. With income protection this easy, there really is no reason to put it off any longer.
Need Advice?
If you need specific financial advice relating to your personal circumstances please call Guild Financial Services on 1800 333 143 or click here.
Imagine if this happened to you…
You lead an active lifestyle, juggling work and family when out of left field, you are diagnosed with a critical illness. Find out how Lyn managed both the emotional and financial situation she faced more.
Privacy & Security Policy | © Copyright Guild Group Holdings Limited . Guild Financial Services Limited, AFSL No. 225590
ProSecure Income Replacement Plan is issued by ING Life Limited (ABN 33 009 657 176, AFSL 238341) (‘ING Life’) which is a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) (‘ANZ’). ANZ is an authorised deposit taking institution (‘ADI’) under the Banking Act 1959. ING Life is owned by ANZ but is not an ADI. This product does not represent a deposit or other liability of ANZ or any ANZ Group member, other than a liability of ING Life as insurer. No member of the ANZ Group stands behind the issuer. ING Life is in the process of rebranding and expects to complete this process by late 2010. The ING trademark is used under licence from ING Group.
1. The Total Disability Benefit is the lesser of (1) the monthly benefit you choose to insure and (2) $20,000 per month of your pre-claim earnings plus 50% of the next $10,000 per month of your pre-claim earnings less other payments. At claim, the monthly benefit payable will depend on your pre-claim earnings. It is in your interest to not insure more than the maximum you can be paid.
2. Some exclusions and benefit limitations apply. In particular pre-existing medical conditions occurring in the last five years are not covered. Please review the Product Disclosure Statement for full terms and conditions that apply.
3. To be eligible you must be a member of the Pharmacy Defence Limited, aged between 21 and 55 years of age; a holder of Australian or New Zealand Citizenship, or an Australian Permanent Residency Visa and currently residing within Australia as at the date of application for this policy. You must have been gainfully employed full time for at least 12 months as at the date of application for this policy and currently working at least 30 hours per week. All applications are also subject to ING Life’s acceptance.
4. The maximum cumulative period for any mental disorder or for any condition arising from or contributed to by a mental disorder which gives rise to the disability is 12 months. Please read the PDS for full conditions.
PDL (ABN 51 004 065 794) and Guild Financial Services Limited (ABN 35 004 399 464, AFSL 225590) receives revenue on member activity generated through the Professionals Life and Living Benefits Plan For Medical Professionals. The revenue paid to Guild Financial Services is a one-off payment equal to 80% of the first year premium, 10% of which is paid to PDL.