Benefit tables

You can work out your cost using the benefit tables below

Work on the transport industry? Calculate your insurance cover here

Death only cover and Death and Total & Permanent Disablement (TPD) cover
Annual cost per $1,000 sum insured
Age Next Birthday Death only $ Death and TPD $
16 0.16 0.21
17 0.20 0.26
18 0.26 0.35
19 0.30 0.40
20 0.33 0.41
21 0.30 0.41
22 0.28 0.39
23 0.26 0.35
24 0.25 0.30
25 0.22 0.29
26 0.23 0.29
27 0.23 0.29
28 0.23 0.29
29 0.26 0.32
30 0.26 0.35
31 0.28 0.37
32 0.28 0.38
33 0.29 0.40
34 0.30 0.42
35 0.35 0.47
36 0.36 0.50
37 0.39 0.56
38 0.42 0.63
39 0.45 0.67
40 0.49 0.76
41 0.55 0.85
42 0.59 0.96
43 0.65 1.06
44 0.72 1.22
45 0.80 1.37
46 0.88 1.55
47 1.00 1.76
48 1.11 2.02
49 1.27 2.31
50 1.42 2.65
51 1.61 3.05
52 1.81 3.48
53 2.04 3.99
54 2.30 4.54
55 2.59 5.21
56 2.88 5.92
57 3.22 6.78
58 3.55 7.70
59 3.95 8.76
60 4.38 9.96
61 4.82 11.29
62 5.34 12.86
63 5.94 14.70
64 6.66 16.93
65 7.44 19.48
66 9.57 25.04
67 9.57 27.96
68 9.57 31.43
69 9.57 35.28
70 9.57 39.53

 

Table 1: Income protection premium rates
Annual rates per $1,000 annual benefit (inclusive of stamp duty)
30 day waiting period
Age Next Birthday 2 year Benefit Period 5 year Benefit Period To Age 65 Benefit Period To Age 70 Benefit Period
$ $ $ $
16 2.61 3.91 7.98 8.57
17 2.61 3.91 7.98 8.57
18 2.61 3.91 7.98 8.57
19 2.61 3.91 7.98 8.57
20 2.61 3.91 7.98 8.57
21 2.61 3.91 7.98 8.57
22 2.58 4.04 8.15 8.73
23 2.57 4.04 8.28 8.90
24 2.55 4.15 8.45 9.06
25 2.53 4.15 8.58 9.25
26 2.47 4.15 8.88 9.58
27 2.37 3.91 8.45 9.13
28 2.25 3.80 8.15 8.80
29 2.25 3.80 8.28 8.98
30 2.14 3.67 8.15 8.85
31 2.23 3.80 8.58 9.35
32 2.20 3.91 9.03 9.86
33 2.41 4.39 10.06 11.02
34 2.37 4.50 10.52 11.54
35 2.55 4.87 11.69 12.87
36 2.73 5.33 12.88 14.23
37 2.99 5.93 14.81 16.42
38 3.05 6.40 15.84 17.63
39 3.29 7.01 17.76 19.84
40 3.52 7.59 19.54 21.93
41 3.73 8.19 21.18 23.87
42 4.04 9.02 23.54 26.68
43 4.53 10.08 26.36 30.05
44 4.81 10.68 28.29 32.44
45 5.37 11.98 31.54 36.42
46 5.80 12.82 33.76 40.12
47 6.39 14.12 37.17 45.19
48 6.97 15.31 40.12 50.36
49 7.62 16.73 43.53 56.31
50 8.43 18.38 47.09 63.11
51 9.30 20.18 50.80 68.62
52 10.32 22.08 54.48 75.96
53 11.49 24.43 58.93 84.63
54 12.64 26.81 62.63 92.93
55 14.11 29.54 66.93 103.29
56 15.63 32.62 71.38 115.17
57 17.46 36.31 75.96 125.10
58 19.55 40.46 80.10 133.08
59 21.62 45.19 83.96 139.11
60 23.97 50.53 86.77 143.81
61 25.94 53.73 67.06 150.10
62 30.82 53.39 66.63 158.63
63 31.23 42.95 53.60 161.52
64 24.67 24.67 30.79 163.96
65 8.88 8.88 11.09 162.41
66*        150.73
67*       143.03
68*       119.52
69*       83.90
70*       50.26

 

Table 2: Income protection premium rates
Annual rates per $1,000 annual benefit (inclusive of stamp duty)
60 day waiting period
Age Next Birthday 2 year Benefit Period 5 year Benefit Period To Age 65 Benefit Period To Age 70 Benefit Period
$ $ $ $
16 1.66 2.49 4.58 4.91
17 1.66 2.49 4.58 4.91
18 1.66 2.49 4.58 4.91
19 1.66 2.49 4.58 4.91
20 1.66 2.49 4.58 4.91
21 1.66 2.49 4.58 4.91
22 1.64 2.49 4.58 4.91
23 1.63 2.49 4.75 5.08
24 1.62 2.49 4.75 5.10
25 1.61 2.49 4.88 5.26
26 1.59 2.49 4.88 5.26
27 1.51 2.38 4.75 5.11
28 1.42 2.25 4.58 4.96
29 1.41 2.25 4.75 5.15
30 1.33 2.14 4.58 4.98
31 1.38 2.25 4.75 5.16
32 1.36 2.25 4.88 5.35
33 1.49 2.49 5.35 5.84
34 1.47 2.49 5.48 6.01
35 1.59 2.73 6.08 6.67
36 1.71 2.97 6.66 7.35
37 1.89 3.33 7.55 8.37
38 1.94 3.44 8.15 9.06
39 2.11 3.80 9.03 10.08
40 2.28 4.15 9.93 11.14
41 2.44 4.50 10.96 12.35
42 2.67 4.97 12.28 13.93
43 3.02 5.69 14.06 16.04
44 3.24 6.17 15.26 17.50
45 3.65 7.01 17.33 20.00
46 3.98 7.71 18.94 22.03
47 4.43 8.67 21.18 24.82
48 4.87 9.60 23.39 27.67
49 5.37 10.68 25.91 30.94
50 5.98 11.98 28.72 34.66
51 6.65 13.41 31.54 38.53
52 7.42 15.07 34.94 43.26
53 8.31 16.97 39.24 49.34
54 9.18 18.86 43.23 55.31
55 10.29 21.24 47.82 63.01
56 11.44 23.73 52.57 71.53
57 12.81 26.68 57.15 80.24
58 14.36 30.02 61.29 88.61
59 15.89 33.69 64.56 96.01
60 17.61 37.84 66.33 102.77
61 19.05 40.22 50.20 110.56
62 22.59 39.87 49.77 116.83
63 22.84 31.91 39.82 118.96
64 17.08 17.08 21.31 120.75
65 4.87 4.87 6.08 119.62
66*        112.86
67*       107.10
68*       89.51
69*       62.83
70*       37.63