MY FUTURE PLAN - PPS Future Plan.pdf · With the My Future Plan Solution you can easily take out:*...

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MY FUTURE PLAN

Transcript of MY FUTURE PLAN - PPS Future Plan.pdf · With the My Future Plan Solution you can easily take out:*...

Page 1: MY FUTURE PLAN - PPS Future Plan.pdf · With the My Future Plan Solution you can easily take out:* ˛ ˆˆ $ ˇ˙ ’ ˆˆ ˙ˆˆ $ ˙ +-/333335 ; ˙ ˇ ˙ +/3333335 < ˆ ! ˇ

M Y F U T U R E P L A N

Page 2: MY FUTURE PLAN - PPS Future Plan.pdf · With the My Future Plan Solution you can easily take out:* ˛ ˆˆ $ ˇ˙ ’ ˆˆ ˙ˆˆ $ ˙ +-/333335 ; ˙ ˇ ˙ +/3333335 < ˆ ! ˇ

H A R S H R E A L I T Y

We often insure our car and home but not ourselves without even realising that our biggest asset is our ability to earn an income. Graduate professionals often earn millions over their working careers.

We meet our partners, set off with our families and accumulate the possessions we long for, but do we think of the challenges that reality sometimes presents?

Life is full of constant changes and doesn’t always go according to plan. PPS can protect you and your family if something should happen to you. We have been protecting graduate professionals for over 72 years.

It is easy and affordable to get PPS cover. Beat the harsh realities of life by ensuring you are adequately covered.

COMMON S ICKNESS CLAIMS FOR PROFESS IONAL S UNDER 35:

2012 PPS PERMANENT INCAPACIT Y CLAIM STAT IST ICS - MEMBERS UNDER 35:

COMMON DEATH CL AIMS FOR PROFESS IONAL S UNDER 35:

MalesFemales

78% were

Total Permanent

Incapacity

(100%) awards

Psyc

hiatri

cG

astro

inte

stin

alRe

produc

tive

Traum

aRe

spira

tory

Mus

culosk

eleta

lEa

r, Nose

& Th

roat

30% of that –

accidental

head injuries

PERMANENT INCAPACITY: MOTOR CYCLE ACCIDENT

Member Age 29

Profession Engineer

Claim Spinal cord injury due to accident, causing spastic quadriplegia

PPS Award Total Permanent Incapacity (100%) until the age of 66

DEATH: LUNG CANCER – NEVER SMOKED

Member Age 29

Profession Medical Intern

Claim Passed away due to lung cancer, member never smoked

PPS Award Member did not have life cover, ������������������ �������������

DEATH: MOTOR VEHICLE ACCIDENT

Member Age 28

Profession Economics

Claim Passed away due to motor vehicle accident

PPS Award Life cover paid out

48 % of that – other

accidental injuries such

as spinal cord injuries

and loss of limbs

2012 PPS CL AIM EX AMPLES - MEMBERS UNDER 35:

MalesFemales

Accidental Cancer Other Natural Heart

0%

20%

40%

60%

80%

100%

Y O U R D R E A M S

Have childrenGet married Provide for my family to live comfortably

Pay off my student loan

Take up an extreme sport

Pay off my dream wedding

Travel the world Work overseas

F A M I L Y

Own a car Own a motorbike

Own a boat or plane

Own a house Own a beach house

Always enjoy my possessions

P R O P E R T Y

Start working Get big promotions, salary increases and bonuses

Be my own boss

Always enjoy what I do

Always work independently

C A R E E R

Page 3: MY FUTURE PLAN - PPS Future Plan.pdf · With the My Future Plan Solution you can easily take out:* ˛ ˆˆ $ ˇ˙ ’ ˆˆ ˙ˆˆ $ ˙ +-/333335 ; ˙ ˇ ˙ +/3333335 < ˆ ! ˇ

�� ���������������������������������������������� future potential, giving you the freedom of choice for your own career path

PPS SICKNESS AND PERMANENT INCAPACITY BENEFITS

MY FUTURE SICKNESS AND PERMANENT INCAPACITY OPTION

�� ���������������������������������������������� devices to remain independent in your work environment

PPS PROFESSIONAL DISABILITY PROVIDERTM

PPS PROFESSIONAL HEALTH PROVIDERTM

�� ���������������������������������������!���������������� career and start saving towards a comfortable retirement

PPS PERSONAL PENSION

�� "�������������������������������������������������#!�

PPS PRESERVATION FUNDS

MY FUTURE PLAN SOLUTIONWhen you are young and healthy it is the right time to take out insurance. With the My Future Plan Solution you can easily take out:*

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MY FUTURE S ICKNESS AND PERMANENT INCAPACITY OPT IONShould you receive a promotion, salary increases and bonuses you can quickly and easily increase your PPS Sickness and ����������$����������!������!����!���������������J��Q�����������������������������$����������X�����Q��@ZZ

MY FUTURE L IFE COVER OPTION[��������������������������������������������������������������������������������������>��������\���������] a baby or incurring debt by submitting a short My Future Life Cover Option Form.***

�� ����������������������!���������������� surviving loved ones can continue enjoying � ��������������!����������

PPS PROFESSIONAL LIFE PROVIDERTM

MY FUTURE LIFE COVER OPTION

�� �������������������������������������� you can continue enjoying your possessions

PPS PROFESSIONAL HEALTH PROVIDERTM

PPS PROFESSIONAL DISABILITY PROVIDERTM

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C A R E E R P R O P E R T Y

O U R S O L U T I O N

�� �������������������>���������������>����������� a legacy for them to continue living comfortably and � �������������������

PPS PROFESSIONAL LIFE PROVIDERTM

MY FUTURE LIFE COVER OPTION

�� ������������������������������������������������� living comfortably

PPS PROFESSIONAL HEALTH PROVIDERTM

�� ��#��������������������>������������������������� part in hazardous pursuits without the worry of whether you are covered

THE WHOLE PPS SUITE OF PRODUCTS

�� ��������������������^����������������������������� goals in a structured and disciplined manner

PPS ENDOWMENT PLAN

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PPS INVESTMENT ACCOUNT

PPS exists solely for its members. We offer insurance and ������������������������������������������������������������������ stages, occupations, genders and employment.

It is our philosophy to pay all legitimate insurance claims fast and effectively without hassles. Our comprehensive investment range is competitively priced and transparently structured.

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F A M I L Y

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W H Y P P S ?

* Only available to members or prospective members until they turn 35. Subject to full underwriting.

� ZZ� �����!����������������!��������������������������������$����������!����������������������}~@�_��������������������������$����������!����������������!�������������� ordinary rates with no loadings or exclusions. First option must be exercised within 18 months of the last application form and subsequent options must be exercised within 12 months of the previous option. The option is only available until the earliest of: 1. The option being exercised 5 times, or 2. Until the policyholder turns 35, or 3. Until the Gross Professional Income the member wants covered exceeds R1.7 million. The PPS Declared Annual Increases will not apply, when the member makes use of the option. Subject to limited underwriting.

�ZZZ� �����!����������������!��������������������������������������������������������@�_��������������;�������������!����������������!����������������������������������� loadings or exclusions. The option may be exercised only once per year. The option is only available until the earliest of: 1. The policyholder not exercising the option once every 3 years, or 2. The total life cover reaching R5 million, or 3. Until the policyholder turns 44. The PPS Declared Annual Increases continue to apply. Subject to limited underwriting.

**** PPS members with qualifying products.

Page 4: MY FUTURE PLAN - PPS Future Plan.pdf · With the My Future Plan Solution you can easily take out:* ˛ ˆˆ $ ˇ˙ ’ ˆˆ ˙ˆˆ $ ˙ +-/333335 ; ˙ ˇ ˙ +/3333335 < ˆ ! ˇ

pps.co.za_��� ����������� ��������� ������� �������� _����� �� $_� }-/=/3--@� \���� �������� _����]@� ���� $��������� ������� ;������� +��@��@� /33-=3-��}3=3�@� ���� $����������� \���]� ;������� +��@� �@� /33~=3/�3��=3�@� ���� $��������� \;������� �@� -3��]� ���� ����Investments (License No. 39270) are Authorised Financial Services Providers. All information and opinions provided are of a general nature and are not intended to address the circumstances of any particular individual. We are not acting and do not ������� �� ���� ��� ���� ���� ��� ��� �������� �� ��� �� �������� ��������@� ��� �������������� �� ������ ��� �������� ��� ����������purposes only. The information provided in this document are subject to terms and conditions applicable to any policies issued by PPS Insurance, and the General Terms, Conditions and Declarations for the PPS Investments product suite . ©2013 PPS.

April 2013