Professionals Choice is a unique tailor-made insurance product designed specifically to meet the insurance needs of Australian professionals.
Members of PPS Mutual will be entitled to share in the profits of the Professionals Choice product through the PPS Mutual Profit–Share Account. Professionals Choice is the only product currently on offer in the Australian retail life risk insurance market to offer this.
Indexation for Professionals
Being exclusively for professionals our default is to increase benefits in line with professional salaries, based on increases in our Professional Earnings Index or inflation, whichever is greater.
Inclusion of Professional Events
Designed specifically with professionals in mind, we have included Professional Events such as becoming a partner or commencing private practice, as a category of trigger events that allow our members to increase their cover without having to provide further medical evidence.
Blood Borne Disease Insurance Option
Pays a lump sum to medical professionals who are accidentally infected by a specified blood-borne disease at work.
Agreed Value Premium Saver
Allows you to have the security of an agreed value definition, without paying the full loading generally applied to all agreed value policies.
Change of plan ownership
The plan ownership may be transferred at any time with no underwriting.
True level premium
Premiums for any increased cover, from the application of the Indexation for Professionals Benefit, is based on your age at the date of the commencement of your cover and not your age at the time the indexation is applied.
Career Break or Caring For Your Child Benefit
Benefits that recognize there may be times in your professional life where you may need to take a career break or time off work to care for an unwell child.
A Home Duties Income Protection Insurance
Designed for professionals who are no longer working in their professions, but who are engaged in home duties on a full time basis.
Flexible Premium Structure
A flexible premium structure allows you to have both a stepped and level premium structure on the one insurance cover, allowing you to benefit from the advantages of both premium types.
Dentist, Dental Specialist
Registered with the Dental Board of Australia as a Dentist or Dental Specialist.
Doctor, GP or Specialist
Registered with the Medical Practitioners Board in any Australian State or Territory.
General registration with the Optometry Board of Australia.
Registered with the Pharmacy Board of Australia.
Registered with the Physiotherapists Registration Board.
General registration with the Psychology Board of Australia.
Registered to practise with the Veterinary Registration Board in any Australian State or Territory.
You can only join PPS Mutual via one of our Accredited Advisers – an exclusive group of professional Advisers who are licenced to give advice under their own Australian Financial Services Licence or Licencee and fully comply with our strict accreditation rules for the PPS Mutual Professionals Choice product.
Every Accredited Adviser receives formal product training by PPS Mutual in order to ensure that they are fully equipped to give you all the advice and guidance you may need.
Before applying for Insurance with a PPS Mutual Accredited Adviser, please remember that PPS Mutual membership is reserved for professionals who meet our eligibility criteria.
Call us on 1300 401 436
or use the Quick Enquiry form and
we will help you find a PPS Mutual