You can plan now to protect your loved ones in the future

Did you know that 60% of families with dependent children do not have enough insurance to cover the household expenses for a year if the family bread winner were to die?* What would be the financial impact on loved ones?

ING Australia is one organisation that has met the Australian Medical Association's thorough guidelines and has recently become a partner. Should you decide to put a few minutes aside to asses your current insurance arrangements, you may want to consider ING Australia’s range of quality direct insurance products offered to AMA members.

With ING Australia’s Professionals Life and Living Benefits Plan For Medical Professionals you can start or top up your life insurance plan. There are no time-consuming medical, no intrusive health questions and the application is simple and quick.

The key benefits of ING Australia’s Professionals Life and Living Benefits Plan For Medical Professionals are briefly outlined below:

• Life Benefit – a lump sum benefit of up to $1.5 million paid to your estate on your death.1

• Critical Illness Benefit (must be taken as a Combined Package with the Life Benefit) – a lump sum benefit being half of your Life Benefit, in the event that you suffer a covered critical illness, that is, a heart attack, stroke, cancer, MS, paralysis, severe burns, chronic kidney failure, or you require coronary artery by-pass surgery.2

• Terminal Illness Benefit – an advance payment of your Life Benefit if you are diagnosed as terminally ill and are not expected to live more than twelve months.

• Needlestick Benefit – a lump sum benefit of $50,000 paid if you become infected with a Blood Borne Virus (BBV) as a result of an accident occurring during the course of your normal occupation.

• Immediate Assistance Benefit – an additional $10,000 paid out to your spouse, partner or your estate, in the event of your death, to take care of any immediate financial needs.

Some exclusions and benefit limitations do apply. In particular pre-existing medical conditions occurring in the last five years are not covered, full details are contained in the Professionals Life and Living Benefits For Medical Professionals Product Disclosure Statement (PDS).3

TO APPLY NOW:

STEP 1  Review the Product Disclosure Statement

STEP 2  Decide on the cover type and cover amount that best suits your needs.

STEP 3  Click here to complete the online application form (you will need to log into our website using your AMA user name and password) or call ING Australia on 1800 658 679, between 9:00am- 6:00pm weekdays (Sydney time) to apply for immediate cover.

If you do not have an AMA user name and password, simply click here and follow the steps to obtain them. Alternatively please phone AMA Member Services on 1300 133 355 or email www.memberservices.com.au.

* Source: IFSA/TNS Protection Gap research 2005.

Professionals Life and Living Benefits Plan For Medical Professionals is issued by ING Life Limited (ABN 33 009 657 176, AFSL 238341) (ING Life) which is a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) (ANZ). ANZ is an authorised deposit taking institution (ADI) under the Banking Act 1959. ING Life is not an ADI, and any Professionals Life and Living Benefits Plan For Medical Professionals insurance policies issued by ING Life are neither deposits nor liabilities of ANZ, nor of any member of the ANZ Group. Neither ANZ nor any member of the ANZ Group stands behind or guarantees the obligations of ING Life under any Professionals Life and Living Benefits Plan For Medical Professionals insurance policies. ING Life is licensed by the ING Group to continue to use the ING brand while it transitions to a new brand – expected to be by late 2010.

The information provided is general in nature only and does not take into account your personal needs and financial circumstances. You should consider whether the product is right for you by reading the Product Disclosure Statement <www.ing.com.au/MEDPLLB> or calling 1800 658 679 before acquiring or continuing to hold the product. Your privacy is important to ING Life. If you do not wish to receive future ING Australia offers, please call ING Australia on 1800 658 679 and we will place your name on our internal Do not call register.

1. Life Benefit up to $1.5 million available only to persons aged 21-44, up to $1 million available to persons aged 45-54 years of age, and up to $500,000 available to persons aged 55-59. The Critical Illness Benefit is half of the available Life Benefit.
2. The Critical Illness Benefit must be taken as combined package of benefits with the Life Benefit. It cannot be taken separately. Payment of the Critical Illness Benefit will reduce the Life Benefit and premiums.
3. Please review the PDS for full terms and exclusions that apply.