Permanently Unable to Work Cover

Permanently Unable to Work Cover pays a lump sum if the life insured suffers a Sickness or Injury which means they are unlikely ever to be able to work again. It will also pay a lump sum if the life insured suffers from a Major Physical Impairment as defined by the policy. The Policy Owner can choose how to use any benefit payment, whether for the reduction of debts or to replace income that has been lost as a result of an inability to work. A Permanently Unable to Work benefit can also provide for medical treatment or ongoing care as well as pay for any home modifications that are required.

Allianz Life offers two types of Permanently Unable to Work Covers:

1. Own occupation cover
2. Any occupation cover

Applications for Permanently Unable to Work Cover are subject to occupational eligibility and for a limited number of occupations, only any occupation cover is available.

The maximum benefit payable for each life insured is the relevant Cover Amount shown on the policy schedule for the relevant life insured.

The minimum Permanently Unable to Work Cover Amount that can be applied for is $100,000. The maximum Permanently Unable to Work Cover Amount you can apply for is based on your current age illustrated in the table below:

Age at application	Minimum	Maximum
16 - 45	$100,000	$1.5 Million
46 - 55	$100,000	$1 Million
56-65	Not eligible for cover	Not eligible for cover

Inflation Proofing

Permanently Unable to Work Cover Amounts automatically increase each year to keep pace with inflation (the increase will be the greater of the increase in the CPI over the previous year or 5%). Each year, premiums will be adjusted to reflect this increase and any increase can be declined by advising in writing.

Eligibility for Permanently Unable to Work Cover

Anyone between the ages of 16 to 55 (inclusive) may apply for Permanently Unable to Work Cover. Allianz Life will ask you some questions about your health, lifestyle and family medical history to determine whether or not they are able to offer you cover. Once a policy has been accepted and issued, and provided premiums are paid as due, Allianz Life guarantees to renew it until the life insured's 65th birthday.

When a Permanently Unable to Work Benefit will be payable

Permanent inability to work in:	We will pay a benefit when:
Any Occupation definition	Solely because of Sickness or Injury you have been continuously absent from work for a period of at least three consecutive months and due to that Sickness or Injury you are unlikely ever to work again in any occupation for which you are suited based on your work experience, your education and any training you have had.
Own Occupation definition	Solely because of Sickness or Injury you have been continuously absent from work for a period of at least three consecutive months and due to that Sickness or Injury you are unlikely ever to work again in the occupation you were predominantly performing at the onset of that sickness or injury. If you were unemployed for six months or more at the time of your Sickness or Injury we will assess your eligibility using the "Any Occupation" criteria described above.

Major Physical Impairment	We will pay a benefit when:
Loss of Limbs or paralysis	Total and permanent loss of use of: Two ore more Limbs; or One ore more Limbs and the sight in one eye, due to Sickness or Injury.
Loss of sight	Permanent Legal Blindness in both eyes due to Sickness or Injury.
Loss of hearing	Total and permanent loss of hearing in both ears due to Sickness or Injury.

When Allianz Life will not pay a benefit

There are circumstances in which Allianz Life will not pay a benefit for Permanently Unable to Work. Allianz Life will not pay a claim that arises directly or indirectly:

• Where the condition is a result of a self-inflicted injury.
• No Permanently Unable to Work cover benefits will be paid in any circumstances if the life insured has not applied for the cover personally or where the application was completed on behalf of another person.

Allianz Life may also declined a claim in circumstances of non-disclosure. For information on when a claim may not be paid due to non-disclosure please refer to "Important Information" section of the Product Disclosure Statement below.

Buying life insurance is easy with Allianz Life. There is no better time than now to protect your family's future. For more information, please click here, or call us on 1800 221 773.