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With over 20 years experience, ClearView has grown to become one of the leading insurance companies on the Australian market. Clearview offers a comprehensive range of investment, superannuation, retirement and life and income protection options to ensure you and your family's financial future is protected.
Maximum cover amount | No set maximum, but it must be reasonable for your financial position and circumstances |
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Age of entry | 18 to 75 for stepped premiums, 18 to 60 for level premiums and 30 to 60 for hybrid premiums. |
How do I apply? | With an adviser over the phone |
Based on the Life Insurance plan. Age of entry varies with the type of premium you choose.
ClearView is a combined financial services provider with a focus on building wealth and helping Australians reach their long term financial goals. The life insurance solutions are designed to help protect your wealth, and your family. In short:
Depending on your insurance needs, you can choose between the following products:
This policy will pay a lump-sum benefit amount in the event of your death (accident or any other cause) or if you're diagnosed as terminally ill with less than 12 months to live. This policy can be purchased directly or through a ClearView financial adviser.
There is no maximum benefit for this cover as long as the amount applied for is reasonable when compared to your personal financial circumstances.
The ClearView Income Protection pays an ongoing monthly benefit of up to 75% of your pre-disability income in the event you can't work as a result of sickness or injury. This benefit is paid monthly.
ClearView TPD insurance will pay a lumpsum benefit in the event that you are permanently unable to return to work due to illness or injury. You can structure your insurance to have TPD as a standalone cover or bundled with your life insurance.
The maximum cover for TPD insurance is:
This benefit allows you to maintain a certain quality of life when suffering from a specific illness or injury as defined by the terms of the policy. Upon diagnosis, you will receive a lump-sum benefit that can be used to cover the cost of treatment, as well as pay off debt or finance an extended leave from work. You can apply for a maximum amount of $2 million for this type of cover with ClearView.
An adviser can help you find cover from trusted life insurance brands.
For ClearView life insurance there is a 13 month exclusion for suicide and self inflicted harm, which applies after taking out a new policy or reinstating cover. If you have increased cover, this will also apply to the increased amount for 13 months.
With other forms of death cover, such as death cover with trauma insurance, there is a blanket exclusion for deaths caused directly or indirectly by self inflicted acts, at any time. Similarly, these will typically have not pay out for deaths resulting from participating in any criminal activity, being under the influence of alcohol or taking any drugs other than as prescribed.
Specific exclusions may also apply to your policy, such as for specific high risk pastimes, and you'll have a chance to agree to them before taking out cover.
The amount you pay in premiums is determined by the following factors:
Depending on your policy and cover type, your premium structure might be level, stepped or hybrid.
If you need to make a claim, make sure to give notice of your claim within 90 days of the insured event. Have the following ready to ensure your claim is processed quickly and efficiently:
Here are a few questions and answers about ClearViews' policies.
The possible emotional and financial repercussions when your child is suffering from serious illness or injury is when ClearView Child Cover can really help.
Your family's wellbeing is important, so Total and Permanent Disability (TPD) Insurance with ClearView helps if you cannot work due to permanent disability.