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 0.17 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