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Learn more about your cover's flexible features
Elevate Insurance is designed to provide financial security for you and your family when something unexpected happens.
Understanding what your insurance covers you for and the features it offers can help you make the most of your policy. The following is a highlight of the features that your Elevate policy may have, please refer to the current PDS or policy you hold for specific details applicable. This article does not consider your individual circumstance, you may wish to speak to your adviser about the way the way these features operate and how they may apply to your circumstance.
Types of cover
If something unexpected does happen to you, you want to protect what’s important.
Elevate Insurance offers a wide range of cover to suit your needs.
Life Insurance
We pay a lump sum if the insured person dies or is diagnosed with a terminal illness. This can help cover mortgage and other debt payments and provide loved ones with the funds they need to help them continue their lifestyle.
Total and Permanent Disability (TPD) insurance
We pay a lump sum if the insured person becomes totally and permanently disabled and are unable to work.
Trauma insurance
We pay a lump sum which can support the insured persons recovery and adjustment to life if they suffer a serious injury or sickness such as, cancer or a stroke.
Income protection insurance
We pay a monthly benefit if the insured person becomes totally or partially disabled due to an injury or sickness which temporarily stops them from working
Business expenses insurance
We pay a monthly benefit to help support the insured person’s business expenses if they become totally or partially disabled due to an injury or sickness which temporarily stops them from working
Product features
Our Elevate insurance products may include some of the features listed in this table, which are designed to make your cover valuable and flexible. Make sure you check your Product Disclosure Statement (PDS) to see which features your product has.
| Feature | What it means for you | What cover it applies to |
| Advancement of funeral expenses | Provides an advance payment for funeral expenses. The amount payable is the life insurance sum insured, up to a maximum of $20,000 | Life insurance |
| 24-hour worldwide cover | You’re covered 24 hours a day, no matter where you are in the world. | Life insurance, Income protection, TPD, Trauma |
| Accommodation benefit | If you are confined to bed and your immediate family member needs has to stay in alternative accommodation to visit you, we’ll pay their accommodation costs of up to $150 a day, for a maximum of 14 days. | TPD, Trauma, Life insurance |
| Automatic inflation | To protect your benefit against the effects of inflation, your sum insured is automatically increased each year by the greater of 5% or the increase in Consumer Price Index (CPI). | TPD, Trauma, Income Protection, Life insurance |
| Future insurability | This benefit allows you to increase your sum insured once in any 12-month period without the need to provide further health evidence when one or more specified personal or business events occur. | Trauma, Life insurance, TPD |
| Premium freeze | Exercising this option allows you to maintain your current premium. Your sum insured will reduce each year that this option is applied. | Life insurance, Income protection, TPD, Trauma. |
1Check your Product Disclosure Statement (PDS) for more details about the cover your product offers.
Important information
Any advice on this website is provided by Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No. 233671 (Resolution Life), and is general advice and does not take into account your objectives, financial situation or needs. Before acting on this advice, you should consider the appropriateness of the advice having regard to your objectives, financial situation and needs, as well as the relevant product disclosure statement and/or policy document, available from Resolution Life at resolutionlife.com.au or by calling 133 731, before making a decision on whether to acquire, or continue to hold, the product.
The Target Market Determinations (TMDs) for our financial products (where applicable) can be found at Target Market Determinations (TMDs). The TMDs describe the key features and attributes of an applicable product that affect whether it is likely to be consistent with the objectives, financial situation and needs of consumers in the target market.
Elevate insurance is jointly issued by Equity Trustees Superannuation Limited (ETSL) ABN 50 055 641 757 (trustee) as trustee for the National Mutual Retirement Fund and Resolution Life.
If you decide to purchase or vary a financial product, Resolution Life and/or other companies within the Resolution Life Group will receive fees and other benefits, which will be a dollar amount or a percentage of either the premium you pay or the value of your investments. You can ask us for more details.
Resolution Life is part of the Resolution Life Group and can be contacted via contact-us or by calling the phone number mentioned above.
Life Insurance Code of Practice
The Life Insurance Code of Practice is issued by the Financial Services Council (FSC) and sets out the life insurance industry’s commitment to high customer service standards, consistency and principles of conduct.
You can find more information here.
