Existing customers

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Product features	Life Cover Plus	Life Cover Standard
Financial Planning Benefit*	Yes	Yes
Advance Death Benefit*	Yes	Yes
Increase without medical evidence	Yes	No

For an extra premium, the following options can be added to both MLC Life Cover Plus and MLC Life Cover Standard

Additional options	Life Cover Plus	Life Cover Standard
Business Safeguard Option	Yes	Yes
Terminal Illness Support Option	Yes	Yes
Cover for Total and Permanent Disability and Loss of Independence	Yes	Yes
Cover for Critical Illness*	Yes	Yes

* Not available for MLC Life Cover Super.

Personal Protection Portfolio - Life Cover	Life Cover Super - Life Cover
Benefit limit No maximum.	Benefit limit No maximum.
Maximum entry age 70 next birthday (stepped premium, decreasing cover). 60 next birthday (level premium).	Maximum entry age 65 next birthday (stepped premium, decreasing cover). 60 next birthday (level premium).
Expiry age Policy anniversary after age 100 (stepped premium, decreasing cover). Policy anniversary after age 65 (level premium with the option to alter to a stepped premium).	Expiry age Policy anniversary after age 75 (then convertible to non-super). Policy anniversary after age 65 (level premium with the option to alter to a stepped premium).

Terminal Illness support
Benefit limit 50% of life cover sum insured up to $250,000.
Maximum entry age 60 next birthday (stepped or level premium), not available with decreasing cover
Expiry age Policy anniversary date after age 65.

To find out more about MLC Life Cover, get in touch with a financial adviser or call MLC on 132 652.