SPECIALIST COVER
FOR SPECIALISTS

Why Professionals Choice is the choice of professionals.

Our Professionals Choice benefits have been designed specifically for Australia’s professionals to provide you and your family with top quality cover.

But what really sets our insurance products apart are their flexibility and unique features, such as Indexation for Professionals, Profit-Share, Career Break Benefit & Caring for your Child Benefit, which are not available anywhere else in the market.

LIFE INSURANCE DESIGNED EXCLUSIVELY FOR PROFESSIONALS

Because only a defined group of professions can join PPS Mutual, Professionals Choice has been designed as a tailor-made insurance product, with unique features such as Indexation for Professionals, Profit-Share, Career Break Benefit & Caring for your Child Benefit, which are not offered by any other Insurance company in the Australian market.

Profit-Share

 

Members of PPS Mutual will be entitled to a share in the profits of the Professionals Choice product. PPS Mutual Professionals Choice is the only product to offer this feature in the Australian Insurance market.

Indexation for Professionals

 

Being exclusively for professionals we are able to offer the option of having benefits increase in line with your salary, based on increases in our Professional Earnings Index or inflation, whichever is greater.

Professional Events

 

You can also increase your Life, Trauma or TPD cover without having to provide further medical evidence when certain career events occur – such as becoming a partner or starting in private practice.

Blood Borne Disease Insurance Option

 

Pays a lump sum to medical professionals who are accidentally infected by a specified blood-borne disease at work.

Career Break Benefit

 

Allows you to take a career break and continue your Income Protection Insurance, with the option to return your cover to the previous higher level when you return to work.

Caring for your Child Benefit

 

Allows Members to take time off to care for a sick child and receive their Income Protection benefit for up to 6 months.

Realising that no one solution exists for everybody, we have built many flexibility features into the Professionals Choice product range, such as:

Flexible Premium Structure

 

A flexible premium structure provides for both a stepped and level premium structure for the one insurance type, allowing you to tailor your cover to benefit from the advantages of both premium structures

True Level Premium

 

Premiums for any increased cover, from the application of the Indexation for the Professionals Benefit, is based on your age at the date of commencement of your cover and not your age at the time the indexation is applied.

Change of Ownership

 

The plan ownership my be transferred at any time with no underwriting.

Cover through Superannuation

 

Provides the ability to structure Life, Total and Permanent Disability and Income Protection insurances through Superannuation. This provides the choice of paying your insurance premiums either with ordinary funds, with your Superannuation funds, or a combination of both.

Our range of benefits

Professionals Choice

Protection rated by independent research houses as being crafted to the highest standards