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which policies do we buy

Purchasing Criteria for AMP Policies

We assess all AMP Whole of Life & Endowment policies with a Gross Surrender Value over $4000.

This includes both Superannuation and Non-Superannuation policies

  • If the policy is an Endowment policy and the Life Insured is under 21yrs of age the maturity date must be within 10 years.
  • If the policy has already had a previous Change of Table the maturity date must be within 10 years. 
  • For superannuation policies, the life insured must be at least 60 years of age.

We do not assess or purchase the following types of AMP policies 

  • Collector policies (Starting with a HM…) 
  • Free policies & Term life policies (Starting with a VT…) 
  • Investment Linked policies (Starting with a H50…) 

Purchasing Criteria for MLC Policies

We assess all MLC Whole of Life & Endowment policies with a Gross Surrender Value over $4000.

This includes both Superannuation and Non-Superannuation policies

  • If the policy is a Superannuation Policy the Life Insured must be over 55yrs. If the Life Insured is under the age of 55yrs the maturity date must be within 10 years 
  • There must only be one Life insured on the policy and they need to be under the age of 85yrs 

We do not assess or purchase the following types of MLC policies

  • Paid Up Policies (Premium Free) 
  • Free policies & Term/Trauma life policies 

Purchasing Criteria for Comminsure Policies

We assess all Comminsure, (originally, Colonial, Prudential and Legal & General) Whole of Life & Endowment policies with a Gross Surrender Value over $4000.

This includes both Superannuation and Non-Superannuation policies