Voluntary Insurance quote (FROM 1 OCTOBER 2019)

I am , , doing work and earning $ a year.

Death and TPD:

$- monthly ($- per year) for $,000 of cover

Death only:

$- monthly ($- per year) for $,000 of cover

Salary continuance:

$- monthly ($- per year) for of your salary with a day waiting period.

What are the occupational classifications? There are five occupational classifications for calculating premiums:
Class 1 Heavy Manual (Unskilled): Any occupation involving manual work that does not require qualifications or any supervisory element, e.g. garden maintenance or road workers.
Class 2 Heavy Manual (Skilled): Occupations involving manual work where the person holds trade qualifications or is in a supervisory capacity, e.g. tradesmen, linesmen or roadwork supervisors.
Class 3 Light Manual: Those occupations that are predominantly sedentary, but may involve up to 20% of light manual activity, e.g. retail sales or industry sales representative.
Class 4 White Collar: Occupations involving no manual work, e.g. clerical, administrative, managerial or some sales.
Class 5 Professional: Totally white-collar sedentary occupations where the individuals have tertiary qualifications that apply to their current occupation, or are in executive or managerial positions earning $100,000 or more per annum. The earning threshold may be reviewed annually in line with salary inflation.

This quote is based on information provided by the member and is not a guarantee of cover. Insurance will be determined in accordance with the Policy between the Trustee and the Insurer. The Insurer can accept, decline, load the premium or restrict the cover upon assessment of the member's application and medical evidence. The Insurer will determine the appropriate occupation classification & relevant premium.

Disclaimer - Whilst the material on the site may be changed from time to time without notice, LGSS Pty Limited does not provide any warranty as to the accuracy or completeness of the information provided on the site. Whenever you use this website you are deemed to have given your acceptance to these terms.

The calculations and results you are able to obtain from the calculators and tools are for illustration purposes and are not intended as a substitute for any specific financial advice you may obtain. The calculators and tools do not contain all the possible combinations of data and have used certain assumptions. The effect of certain factors, which could have an impact on your individual circumstances may not have been taken into account. LGSS Pty Limited cannot accept responsibility for any errors or omissions from the information or any reliance placed upon it.

These calculators are not intended to be relied on for the purposes of making a decision in relation to a financial product, including a decision in relation to a particular superannuation fund or strategy, and that consumers should consider obtaining advice from an AFS licensee before making any financial decisions.