The premium is to be paid in full with your application. Premium payment can be made by credit card ( M/C Visa or Amex). Some products will have a premium funding option, additional charges will apply and your premium can be paid over 12 months. The premium funding is a separate agreement between you and the premium funder.

The premium payment plan is a separate premium funding / loan agreement between you and the premium funder Victory Funding Pty Ltd ABN 11 077 184 742.

The premium payment plan enables you to pay your premium over 12 months in equal installments. An administration fee of $50.00 will be added to your 1st installment.

You will need to complete an application form which will be forwarded to you by email when you select the premium payment plan option.

All you have to do is sign the forms where indicated and include your payment details and return to PO Box 140, Salisbury, Qld 4107 and on receipt of the completed form a Certificate of Insurance will be forwarded to you.

In the event that You are made Involuntary Unemployed, subject to the cover selected by you and the terms and conditions of the policy we will pay you a monthly benefit of either: $2,000 - $3,000 or $4,000 The monthly benefit will be payable for a maximum period of 3 months for any one period of Involuntary Unemployment.The maximum total benefit amount over the Period of Insurance is limited to 6 monthly payments.

Provides a cash benefit in the event of an accidental injury which solely, directly and independently of any other condition results in any of the Events listed in the Table of Benefits as listed in the PDS and occurs with 12 months of the Injury. We will pay You the compensation specified for that relevant event based upon as a percentage of the Sum Insured by You as evidenced in your Policy Schedule.

Subject to the selection of Trauma cover by you If you suffer one of the Trauma Conditions listed below we will pay you the amount listed as evidenced in your Policy Schedule for that condition, subject to the policy terms and conditions.

• Cancer
• Cerebrovascular Accident (stroke)
• Chronic Renal Failure
• Major Head Trauma
• Motor Neurone Disease
• Myocardial Infarction (Heart Attack)

Please read the Product Disclosure Statement (PDS) for further detailed information.

To apply for cover you will need to read the Product Disclosure Statement (PDS) and the policy Terms and Conditions The Application Form will need to be completed. If we accept your application, a Policy Schedule will be sent to you.

Eligibility for this insurance is subject to the following conditions:

1. You are at least eighteen (18) years of age and under sixty-four (64) years of age at the policy commencement date.
2. You must have entered into a finance agreement as borrower or mortgager within six (6) months prior to the policy commencement date.
3. You are a permanent resident of Australia.
4. You must be in permanent employment.

1. There is a thirty day (30) waiting period applicable to the Involuntary Unemployment Benefit cover commencing on the insured person's final date of employment. No payment is made for or during this, the waiting period.
2. The Involuntary Unemployment benefit will not be paid if the insured person was unemployed or advised that their employment would be terminated at or immediately prior to the policy commencement date or at any time during the first sixty (60) days after the policy commencement date

The premium rates are calculated based on your selection of product, coverage limit and policy term.

Joint policies are not available. Each person requires their own individual policy.

No Medical Examination is required however no cover is provided for any Pre Existing condition.

A Pre existing Condition means any sickness, disease or disability or other condition relating to your health of which you were aware of during the 12 months prior commencing the REBOUND policy. Please read the PDS for further detailed information.

Claim limits apply and these are based upon your product selection. Please refer to Product Disclosure Statement (PDS) for further information and product options. Your selected product options and limits will be detailed in your policy documentation.

You can cancel the policy at any time by informing the Insurer in writing. A cancellation fee of 10% of any refundable premium applies to all cancellations.

Providing you inform National Underwriting Agencies in writing to PO B0X 140, SALISBURY QLD 4107, within 14 days of inception of this policy we will refund your payment in full.

ACE Insurance Limited
(ABN 23 001 642 020, AFSL No: 239687)
28-34 O'Connell Street
SYDNEY NSW 2000

All claims have to be submitted in writing. All you need to do is call 1300 138 560 and we will inform you of the process

Any enquiry or complaint relating to this insurance or services should in the first instance be referred to National Underwriting Agencies Pty Ltd (NUA) on 1300 138 560. NUA's Complaints Manager who will handle your complaints or disputes about the insurance or services. Should the NUA Complaints Manager be unable to satisfactorily resolve your complaint or dispute they will advise you of the various external bodies available to assist you.