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