- Comparing insurance types
- Income Protection insurance
- Trauma insurance
- Total & Permanent Disablement (TPD) insurance
- Life insurance (death cover)
- Business Expenses insurance
- Why choose Asteron Life™
- Insurance myths
We don't need to be reminded that accidents and serious illness may happen. We all know families who have had to make changes to their lifestyle due to cancer, heart attack or an accident, for example.
But it's important to remember how TPD insurance can help you and your family during that time. It gives you options and financial freedom when you need it most.
The good news is there has been a decrease in the number of people in Australia who have a 'profound or severe' disability: 5.9% of Australians in 2003 compared to 6.4% in 1998.7
But it's the cost of care that's often underestimated.
Most primary carers in Australia are between age 30 and 64 (that's working age!) and they are usually a partner or a spouse.8 The cost of care can have an impact on the lifestyle of the whole family, so make sure you and your family have the financial support you need.
Note: Payment of any claim by the insurer is subject to the insurer's assessment and approval in accordance with the terms of the relevant policy.
Claim time is when we deliver on our promise to you. It's a time when two important people meet: an Asteron Life customer in need and an Asteron Life case manager who is uniquely skilled to help them.
We've got a market-leading approach to claims:
When you're looking at getting TPD insurance cover, keep your eyes out for extras that provide you with more benefits at claim time, such as:
To find out more about total and permanent disablement insurance:
7Australian Bureau of Statistics - Disability, Australia 2003 - cat 4446.0
8Impact of home based long term care on informal carers, Ranmuthugala, G, August 2009.
This is general advice and does not take into account your objectives, financial situation or needs. Before acting on this general advice you should consider the Product Disclosure Statement and the appropriateness of the advice having regard to your situation and consult your financial adviser.
Asteron Life™ is committed to providing customers with long term financial security. We provide life insurance products including Income Protection Covers, Trauma Cover, Total & Permanent Disablement (TPD) Cover, Life Cover and Business Expenses Cover. To obtain a copy of our privacy statement, please contact us on 1800 221 727 or visit the following website www.asteronlife.com.au/privacy to view or download the policy.
Asteron supports and adheres to the Life Insurance Code of Practice (Code). The Code has been developed voluntarily by the Life Insurance industry through the Financial Services Council to promote high standards of service to consumers, provide a benchmark of consistency within the industry, and establish a framework for professional behaviour and responsibilities. Download the Code here. For more information contact the Financial Services Council on (02) 9299 3022 (local call cost), email email@example.com or visit www.fsc.org.au
© Asteron Life & Superannuation Ltd ABN 87 073 979 530 (Asteron). Registered Office, Level 16, 363 George Street, Sydney NSW 2000
Asteron Life & Superannuation Limited ABN 87 073 979 530, AFSL 229880 (Asteron) is part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). Suncorp Portfolio Services Limited ABN 61 063 427 958, AFSL 237905, RSE Licence No L0002059 (SPSL or Trustee) is part of the Suncorp group of companies (Suncorp). SPSL is a related body corporate of Suncorp Group Limited ABN 66 145 290 124 and Suncorp-Metway Limited ABN 66 010 831 722 (Suncorp Bank) (Suncorp). This product is not a bank deposit or other bank liability of the Suncorp Bank. The obligations of the different entities of TAL and Suncorp are not guaranteed by other entities