Why insure with Westpac? Kate. “Kate was indignant at the suggestion that life goes downhill after 40. Little did she know, she was about to face an uphill battle.” When Kate went for a routine medical check up just after turning 40, she was quite indignant when the diligent young doctor suggested that she had reached the age where she would have a mammogram – surely life’s not all downhill after 40! She ignored the referral, leaving it on her desk at work for weeks. The day she finally turned up for an appointment with her coffee-stained referral, was the day she was told she had breast cancer. After her radical surgery, Kate endured chemotherapy and she described the side effects of chemo as being brutal. Her bones and muscles hurt so much that she thought she had been run over by a road train. Following her chemotherapy session, she then had to visit the hospital five days a week for radiotherapy treatment. Kate openly says that it would have been extremely difficult to work through this physically and emotionally draining journey. Fortunately, Kate’s Crisis Benefit paid her six months of her income protection benefit. This allowed her to pay her bills (including her mortgage and regular expenses) while she fought to get back on her feet. Kate is now in remission. Having the right type and level of cover in place can make a huge difference to you and your loved ones if you need to make a claim. In 2010, we paid over $101 million, making an enormous difference to the lives of our customers and their families. Residential Home and Contents Insurance 1 Do you have the right cover in place? Income protection replaces up to 75% of your income (and 100% of your superannuation contributions) while you are unable to work at your full capacity due to sickness or injury. This replacement income enables you to pay: Rent or mortgage payments Living expenses Medical expenses Income and future earning capacity is our greatest asset. All our dreams and ambitions are generally tied to our ability to earn, and with this income gone these dreams may not be achievable. You can avoid the financial stress of drawing down on assets or taking on more debt simply by taking out Income Protection Insurance. Income Protection Insurance is necessary for anyone who would need to replace their income if they are unable to work due to sickness or injury. How to apply. Make sure you and your loved ones are protected. To arrange cover or to find out more: Call 1300 661 577 Visit www.westpac.com.au Ask at your local branch This information is current as at 23 August 2011. Claims Stories are for Illustrative purposes only. They are loosely based on real life examples (names and some details have been altered). The Insurer of Westpac Protection Plans is Westpac Life Insurance Services Limited ABN 31 003 149 157, Australian Financial Services Licence (AFSL) Number 233728. The issuer for all Westpac Protection Plans, except for Term Life as Superannuation, is the Insurer. For Term Life as Superannuation, the issuer is Westpac Securities Administration Limited ABN 77 000 049 472, AFSL Number 233731, RSE Licence Number L0001083 (WSAL). The trustee of Term Life as Superannuation is WSAL which is part of the Superannuation Division of Westpac MasterTrust ABN 81 236 903 448, SFN 281412, SPIN WFS0112AU, RSE Licence Number R1003970 (the fund). The Insurer and WSAL are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 AFSL No. 233714 (Bank). Westpac Financial Planners are representatives of the Bank. Westpac Protection Plans are distributed by the Bank. Westpac Protection Plans are not a deposit with or liability of the Bank. Neither the Bank nor any member of the Westpac Group (other than the Insurer and WSAL) stands behind or is otherwise responsible for the insurance or payment of any claims. The information in this brochure has been prepared without taking into consideration your personal objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs. Conditions, limits and exclusions on cover apply and are explained in the Product Disclosure Statement and Policy Document (PDS). You should consider the PDS before making any decision in relation to the insurance. A PDS for Westpac Protection Plans can be obtained by calling 131 817, visiting westpac.com.au or from a Westpac Financial Planner. © 2011 Westpac Banking Corporation ABN 33 007 457 141 WFS772C (09/11) 243894