Ezicover Life Insurance Comparison Table

	HBF Ezicover Term Insurance	HBF Ezicover Select Term	HBF Ezicover Trauma Insurance	HBF Ezicover Income Replacement Insurance	HBF Ezicover Needlestick Cover Plus	HBF Ezicover Funeral Plan
Benefit	Provides protection from financial burden in the event of death or terminal illness. You can help your loved ones repay loans, mortgages, credit cards and provide day-to-day living expenses	Provides protection from financial burden in the event of death or terminal illness. Provides a choice of cover which lasts for 5, 10 or 15 years	With advances in modern medicine, you have a good chance of surviving major trauma like a heart attack. However recovery from major traumas can take months, if not years. Meanwhile, bills mount up, and work is often impossible	If you are unable to work due to sickness or injury, Income Replacement provides you with a monthly payment of up to 75% of your pre-tax income. It helps you meet your financial obligations, even while you are temporarily unable to work	Needlestick cover is a specialist cover type offering a lump sum payment on accidental infection of HIV, Hepatitis B or Hepatitis C while working in one of 80 approved occupations	Allows you to make provision for funeral costs with a benefit of $5,000, $10,000 or $15,000 depending on the level of cover you choose
Cover Provided Against	Death from illness or accident. Diagnosis of terminal illness with a life expectancy of less than 12 months	Death from illness or accident. Diagnosis of terminal illness with a life expectancy of less than 12 months	Diagnosis, or occurrence, of a heart attack, stroke, malignant cancer or coronary artery by-pass surgery	Provides you with a monthly payment if you are unable to work due to sickness or injury	Accidental infection of HIV, Hepatitis B or Hepatitis C while working in approved occupations, including doctors, dentists and more	Pays a lump sum on death. Double the benefit is paid if death is caused by accident after policy begins
Cover Available	$50,000 - $750,000 up to 54 years $50,000 -$500,000 age 55 to 59 years	$50,000 - $750,000 up to 54 years $50,000 - $500,000 age 55 to 59 years	$50,000 - $150,000	$1,500 - $3,500 /month	$50,000 - $400,000	$5,000, $10,000 or $15,000
Eligibility	19 - 59 years	19 - 59 years	19 - 55 years	19 - 57 years	19 - 65 years	19 - 80 years
More Information	More information on HBF Ezicover Term Insurance	More information on HBF Ezicover Select Term	More information on HBF Ezicover Trauma Insurance	More information on HBF Ezicover Income Replacement Insurance	More information on HBF Ezicover Needlestick Cover Plus	More information on HBF Ezicover Funeral Plan
Product Disclosure Statement	Read the HBF Ezicover Term Insurance PDS	Read the HBF Ezicover Select Term Insurance PDS	Read the HBF Ezicover Trauma Insurance PDS	Read the HBF Ezicover Income Replacement PDS	Read the HBF Ezicover Needlestick Cover Plus PDS	Read the HBF Ezicover Funeral Plan PDS

HBF Ezicover Insurance products are issued by Zurich Australia Limited ABN 92 000 010 195, AFSLN 232510 of 5 Blue Street, North Sydney, NSW 2060 (Zurich). HBF Financial Services Pty Ltd ABN 18 009 123 675, AFSLN 236623 (HBF) is authorised to distribute and arrange for the issue of HBF Ezicover Insurance products. In deciding whether to buy HBF Ezicover Insurance you should consider the relevant HBF Ezicover Insurance Product Disclosure Statement (PDS) and whether this insurance is appropriate for you. Any advice contained is general advice only and does not take into account your individual objectives, financial situation or needs so before acting on it, you should consider the appropriateness of it with regards to your personal circumstances. If you buy a policy HBF will receive from Zurich a payment of 20% (plus GST) of each premium paid. Applications for this insurance can only be made by either completing the Application Form accompanying the PDS, or by completing the online Application.