New Benefit for Members
Features of OnePath Life's ProSecure Income Replacement Plan include:
- Total Disability Benefit and Partial Disability Benefit – receive monthly
Disability
Benefit payments if you can’t work due to illness or injury1
- Booster Benefit - receive an additional third of the monthly Disability
Benefit for the first two months of each claim
- High levels of income protection – apply for a monthly benefit of up to $20,0002
- No medical or blood tests – apply for immediate cover on acceptance
- Rehabilitation Expenses Benefit – up to $50,000 for the cost of rehabilitation
services to assist you in returning to work
Guild Financial Services is now making this product available through its strategic partnership with OnePath Life. It is a simple, convenient way for Pharmaceutical Defence Limited members to take out this important cover.
Apply for ProSecure Income Replacement Plan
There’s no waiting.
No medical examinations
Applying is quick and easy. In almost no time at all, you could be benefiting from OnePath Life's ProSecure Income Replacement Plan, which provides high levels of income protection.
But be quick!
With income protection insurance this easy, there really is no reason to put it off any longer.
Earn Qantas Frequent Flyer points
You could earn Qantas Frequent Flyer points+ on eligible ProSecure Income Replacement Plan policies. Call 1800 029 703 for more information.
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.
ProSecure Income Replacement Plan and the information above is issued by OnePath Life Limited (OnePath Life) (ABN 33 009 657, 176 AFSL 238341). OnePath Life is a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522), an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). OnePath Life is the issuer of the product but it is not a Bank. Except as set out in the issuer's contract terms (including the Product Disclosure Statement (PDS)), this product is not a deposit or other liability of ANZ or its related group companies. None of them stands behind or guarantees the issuer. The information provided is of a general nature and does not take into account your personal needs and financial circumstances. You should consider the appropriateness of the information, having regard to your objectives, financial situation and needs. You should read the PDS or by calling 1800 029 703 and consider whether this product is right for you. OnePath Life receives premiums for any insurance cover you obtain. Its employees and directors receive a salary. They do not receive commissions; however, they may be eligible for performance related bonuses and other staff related benefits.
1. Claims arising directly or indirectly from a pre-existing medical condition are excluded. A pre-existing medical condition is an injury, illness, condition or related symptom that, in the five years immediately preceding the policy acceptance date, you were aware of (or a reasonable person in your position 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.
2. The monthly amount payable for a valid claim may be less than the monthly amount insured depending on your pre-claim earnings and other payments. The monthly amount payable excludes business expenses.
+ You must be a Qantas Frequent Flyer member and correctly register your Qantas Frequent Flyer membership details with OnePath. Points are only earned on eligible premiums you pay after OnePath has received your Qantas Frequent Flyer membership details. Points are earned in accordance with and are subject to the ‘OnePath and Qantas Frequent Flyer Rewards Terms and Conditions’ (available at onepath.com.au/qff-terms-conditions). Membership and points are subject to Qantas Frequent Flyer program terms and conditions (available at qantas.com/frequentflyer). Qantas does not endorse, is not responsible for and does not provide any advice, opinion or recommendation about these insurance products or the information contained in this webpage.
OnePath Life Limited will advise PDL of the names and member numbers, of PDL’s members who take up this offer, for entry into their database. The PDL privacy policy can be accessed at www.pdl.org.au or by contacting PDL on 03 9810 9900. PDL (ABN 51 004 065 794) and Guild Financial Services Limited (ABN 35 004 399 464, AFSL 225590) receive revenue on member activity generated through the ProSecure Income Replacement Plan. The revenue paid to Guild Financial Services Limited is a one-off payment equal to 80% of the first year premium, up to 25% of which is paid to PDL. This revenue is applied to maintain the quality of services available to pharmacists throughout Australia. The purpose of this webpage is to inform PDL members of this member benefit.