“If we can’t beat your current Income Protection or Life Insurance premiums we will pay your next months premiums for you.”
Terms and Conditions of Offer
‘Please note any payments made under the offer will be limited to $1,000 per customer’
1. A signed “Authority to Enquire” form must be returned to us (Mobysure Pty Ltd) via email or mail so that we can validate current insurance holdings.
2. Current insurance policy must be issued by an Australian Based Life Insurance company with an Australian Financial Services Licence and;
3. Must not be part of a “Group Risk” policy such as those provided by Government, Industry or Corporate Superannuation Funds and;
4. Must be based on a “Stepped” premium structure, not a “Level” premium structure and;
5. Current Policy must be a “Guaranteed Renewable” contract offered by a Life Insurance company and not a “Cancellable” policy issued by a General Insurance Company.
6. Should a change in your health, pastimes or occupation since you were originally assessed for your current policy/ies cause a change in your premium loading or exclusions will apply, the offer will be invalid.
7. The offer will only be applicable should policy terms such as, occupation rating, pastimes loadings, health loadings or exclusions be attainable that are the same or similar to those on of your current policy/ies. i.e. If you currently have a “back exclusion” on a policy but due to a change in your health or occupation your application with an alternative insurer through Mobysure is declined the offer will be invalid.
8. Alternative quotations will be based on current sums insured and benefits provided by your current policies. i.e. same Death sum insured amount, same TPD insured amount, same Monthly Income Protection benefit, same Waiting Period, Same Benefit Period etc...
9. In order to take up this offer and the next months premiums be paid, Mobysure must be nominated as the ongoing adviser. As such, Mobysure will be entitled to receive ongoing remuneration should the policy remain in force and will be responsible for providing ongoing service as your adviser.
Should Mobysure be unable to find an alternative insurer for a cheaper premium than your current policies and all of the above terms and conditions have been met, Mobysure will pay via cheque or electronic transfer the premiums for the following month for your Life Insurance and Income Protection policy/ies. This will be done as either a reimbursement to you, or payment on your behalf to the insurer at our discretion. Confirmation of such will be provided to you at the time of issu