Research Desk · Closed & Legacy Books
Master Legacy Risk PDS Library
A consolidated reference of historical product terms across the Australian retail risk market. Replaces hunting old company drives and broken insurer microsites.
8 PDS · 9 carriers
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Quick-Reference Matrix
8 legacy products · side-by-side technical comparison
| Insurer / Product | Years | Smoking | Loading Bypass | Premium Freeze | |
|---|---|---|---|---|---|
MLC Life MasterKey | 2013–2016 | 12-month nicotine-free declaration accepted. Cotinine swab required only if loading > 100%. | Underwriting review bypass available where loading was BMI-based and current BMI < 28. Use Form RF02. | ● Available | Open → |
TAL Accelerated Protection | 2011–2014 | 12-month nicotine cessation, statutory declaration. Vaping classed as smoker rate. | Lifestyle premium audit available annually. Full reunderwriting required if cover increase requested. | ● Available | Open → |
AIA Australia Priority Protection | 2013–2017 | 12 months nicotine-free + cotinine test for sums insured > $1m. | BMI loadings reviewable after 18 months sustained weight loss with GP verification. | ● Available | Open → |
Zurich Wealth Protection | 2009–2014 | Standard 12-month declaration. No cotinine test mandated. | Loading review requires fresh medical and PMARs. No bypass route. | N/A | Open → |
CommInsure Total Care Plan | 2007–2012 | Self-declaration accepted. No biological confirmation. | Loading reduction by application - written request + GP letter sufficient for non-medical loadings. | N/A | Open → |
OnePath OneCare | 2010–2014 | 12-month declaration. Vaping treated as smoker. | Loading review every 24 months. Premium freeze election locks sum insured at indexed value. | ● Available | Open → |
AMP Flexible Lifetime Protection | 2006–2011 | 12-month nicotine-free. Pipe and cigar smokers treated as non-smoker under specific clauses - verify endorsement. | Underwriting review by form. BMI bypass available if BMI < 30. | ● Available | Open → |
Resolution Life Resolution Term | 2003–2008 | Self-declared. No verification process documented. | Manual underwriting only. No streamlined bypass. | N/A | Open → |