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	0.17	0.22
17	0.21	0.27
18	0.27	0.37
19	0.32	0.42
20	0.34	0.43
21	0.32	0.43
22	0.29	0.41
23	0.27	0.37
24	0.26	0.32
25	0.23	0.30
26	0.24	0.30
27	0.24	0.30
28	0.24	0.30
29	0.27	0.33
30	0.27	0.37
31	0.29	0.39
32	0.29	0.40
33	0.30	0.42
34	0.32	0.44
35	0.37	0.49
36	0.38	0.53
37	0.41	0.59
38	0.44	0.66
39	0.47	0.70
40	0.51	0.79
41	0.57	0.89
42	0.62	1.00
43	0.68	1.11
44	0.76	1.28
45	0.84	1.43
46	0.92	1.63
47	1.05	1.85
48	1.17	2.11
49	1.33	2.42
50	1.48	2.77
51	1.68	3.19
52	1.89	3.64
53	2.13	4.18
54	2.40	4.76
55	2.72	5.46
56	3.01	6.21
57	3.38	7.11
58	3.72	8.06
59	4.14	9.18
60	4.59	10.44
61	5.05	11.82
62	5.60	13.47
63	6.23	15.40
64	6.97	17.73
65	7.80	20.40
66	10.02	26.23
67	10.02	29.30
68	10.02	32.92
69	10.02	36.96
70	10.02	41.41

 

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	2.73	4.10	8.36	8.98
17	2.73	4.10	8.36	8.98
18	2.73	4.10	8.36	8.98
19	2.73	4.10	8.36	8.98
20	2.73	4.10	8.36	8.98
21	2.73	4.10	8.36	8.98
22	2.70	4.23	8.54	9.15
23	2.69	4.23	8.67	9.32
24	2.67	4.35	8.85	9.49
25	2.65	4.35	8.99	9.69
26	2.59	4.35	9.30	10.04
27	2.48	4.10	8.85	9.56
28	2.36	3.98	8.54	9.22
29	2.36	3.98	8.67	9.41
30	2.24	3.84	8.54	9.27
31	2.34	3.98	8.99	9.79
32	2.30	4.10	9.46	10.33
33	2.52	4.60	10.54	11.54
34	2.48	4.71	11.02	12.09
35	2.67	5.10	12.25	13.48
36	2.86	5.58	13.49	14.91
37	3.13	6.21	15.51	17.20
38	3.20	6.70	16.59	18.47
39	3.45	7.34	18.60	20.78
40	3.69	7.95	20.47	22.97
41	3.91	8.58	22.19	25.01
42	4.23	9.45	24.66	27.95
43	4.75	10.56	27.61	31.48
44	5.04	11.19	29.64	33.98
45	5.63	12.55	33.04	38.15
46	6.08	13.43	35.37	42.03
47	6.69	14.79	38.94	47.34
48	7.30	16.04	42.03	52.76
49	7.98	17.53	45.60	58.99
50	8.83	19.25	49.33	66.11
51	9.74	21.14	53.22	71.88
52	10.81	23.13	57.07	79.57
53	12.04	25.59	61.73	88.66
54	13.24	28.09	65.61	97.35
55	14.78	30.95	70.11	108.20
56	16.37	34.17	74.78	120.65
57	18.29	38.04	79.57	131.05
58	20.48	42.38	83.91	139.41
59	22.65	47.34	87.95	145.73
60	25.11	52.93	90.90	150.65
61	27.17	56.29	70.25	157.24
62	32.29	55.93	69.80	166.18
63	32.72	44.99	56.15	169.20
64	25.84	25.84	32.25	171.76
65	9.30	9.30	11.62	170.14
66	N/A	N/A	N/A	157.90
67	N/A	N/A	N/A	149.83
68	N/A	N/A	N/A	125.21
69	N/A	N/A	N/A	87.89
70	N/A	N/A	N/A	52.65

 

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	1.74	2.61	4.80	5.14
17	1.74	2.61	4.80	5.14
18	1.74	2.61	4.80	5.14
19	1.74	2.61	4.80	5.14
20	1.74	2.61	4.80	5.14
21	1.74	2.61	4.80	5.14
22	1.72	2.61	4.80	5.14
23	1.71	2.61	4.98	5.32
24	1.70	2.61	4.98	5.34
25	1.69	2.61	5.11	5.51
26	1.67	2.61	5.11	5.51
27	1.58	2.49	4.98	5.35
28	1.49	2.36	4.80	5.20
29	1.48	2.36	4.98	5.39
30	1.39	2.24	4.80	5.22
31	1.45	2.36	4.98	5.41
32	1.42	2.36	5.11	5.60
33	1.56	2.61	5.60	6.12
34	1.54	2.61	5.74	6.30
35	1.67	2.86	6.37	6.99
36	1.79	3.11	6.98	7.70
37	1.98	3.49	7.91	8.77
38	2.03	3.60	8.54	9.49
39	2.21	3.98	9.46	10.56
40	2.39	4.35	10.40	11.67
41	2.56	4.71	11.48	12.94
42	2.80	5.21	12.86	14.59
43	3.16	5.96	14.73	16.80
44	3.39	6.46	15.99	18.33
45	3.82	7.34	18.15	20.95
46	4.17	8.08	19.84	23.08
47	4.64	9.08	22.19	26.00
48	5.10	10.06	24.50	28.99
49	5.63	11.19	27.14	32.41
50	6.26	12.55	30.09	36.31
51	6.97	14.05	33.04	40.36
52	7.77	15.79	36.60	45.32
53	8.71	17.78	41.11	51.69
54	9.62	19.76	45.29	57.94
55	10.78	22.25	50.09	66.01
56	11.98	24.86	55.07	74.93
57	13.42	27.95	59.87	84.06
58	15.04	31.45	64.21	92.83
59	16.65	35.29	67.63	100.58
60	18.45	39.64	69.49	107.66
61	19.96	42.13	52.59	115.82
62	23.66	41.77	52.14	122.39
63	23.93	33.43	41.71	124.62
64	17.89	17.89	22.32	126.49
65	5.10	5.10	6.37	125.31
66	N/A	N/A	N/A	118.23
67	N/A	N/A	N/A	112.19
68	N/A	N/A	N/A	93.77
69	N/A	N/A	N/A	65.82
70	N/A	N/A	N/A	39.42