ADVISER GUIDE - OnePath

ADVISERGUIDEOneCare1 August 2022 INSURANCEC ontentsSection 1 OneCare at a glance 4 All covers 4 Life Cover 6 TPD Cover 7 Trauma Cover 9 Child Cover 10 Extra Care Cover 11 Income Secure Cover 12 Business Expense Cover 14 Living Expense Cover 15 Section 2 Underwriting: Medical requirements 16 Life, TPD and Trauma Cover 16 Total risk (Life, stand alone TPD Cover and stand alone Trauma Cover) 16 Trauma risk 17 Section 3 Underwriting: Financial requirements 22 Lump sum financial evidence table 22 Multiples of income relating to personal lump sum covers 23 General financial evidence explained 29 Section 4 Underwriting special offers 30 Guaranteed Income Secure Cover for Farmers (increase to existing policies only) 30 Section 5 Modified underwriting 31 Section 6 Continuation Options 33 General conditions 33 Section 7 Other underwriting rules and practices 35 Occupation categories 40 Section 8 SuperLink arrangement 43 Section 9 Policy maintenance and administration procedures 45 General policy administration 45 OnePath polici

OneCare is issued by OnePath Life. OneCare Super is issued by OnePath Custodians Pty Limited ABN 12 008 508 496 . AFSL 238346 (OnePath Custodians). OnePath Life and OnePath Custodians are not related bodies corporate. Section 11 – Premiums and commission 71 Discounts 71 Multiple life discount 71 Multi-cover discount 72 Size discount/loading 74

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