Talk to clients about level premiums before their birthday and they’ll thank you for life.

More and more people are enjoying the peace of mind of knowing they are protected with the right levels of personal insurance.

But many people also face the worry of maintaining their insurance cover as traditional ‘stepped’ premiums increase with age every year.

These annual premium increases mean that your clients may not be able to afford the cover they need as they get older. So they’re more likely to let their cover lapse, leaving themselves unprotected.

Now MLC’s level premium policies address these problems.

MLC’s level premium policies are

more affordable over the long term because level premiums remain consistent over time¹. And the younger your clients are when they start paying a level premium, the lower the overall cost of insurance will be.

For example a female aged 32 paying level premiums could save 66% in premiums compared to the same cover on a stepped premium².

Both new and existing clients will also benefit from MLC’s automatic upgrade philosophy. We constantly review and upgrade our insurance solutions and automatically pass these upgrades on to clients regardless of their health or age.

Call 133 652 or visit mlc.com.au

Industry Award ¹Level premium doesn’t mean your premiums are guaranteed or don’t change. Level premiums may increase over time due to rate increases, CPI increases and policy fee increases. However, unlike stepped premiums, level premium (excluding CPI and the policy fee) don’t go up by age-related increases. ²Assumptions: Single female aged 32, non-smoker on a salary $70,000 pa. Life Cover of $300,000, Critical Illness of $300,000 and Income Protection cover to age 65. Based on MLC Limited’s standard premium rates as at 26 May 2008. The sum insured is not indexed by infl ation. MLC Limited ABN 90 000 000 402 AFSL 230694 is a National Australia Group company.