[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-306806-105":53,"doc-detail-306806-en":127},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":120,"head_meta":122,"extra_data":124,"updated_unix":126},105,"en","increasing-income-and-expenses-application-form-read-before-applying","Increasing Income and Expenses Application Form - read before applying","","Increasing Income and Expenses Application Form for OneCare sets out how advisers can request monthly Income Secure or Business Expense Cover increases in line with changes to earnings or business expenses. The form explains eligibility limits, including a maximum 15% increase and individual cap of $1,000 under defined timing conditions, plus age and policy underwriting requirements. 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However, the maximum individual increase available under these features is $1,000 if the monthly amount insured has not increased under these features within three years of the cover start date.  \nYou can only apply for an increase under this benefit if:  \n• your OneCare policy was originally issued with a medical loading not greater than 50%  \n• the life insured was less than age 50 at the date of policy application and is less than age 55 at the date of application for the increase  \n• the life insured is not on claim, or eligible to make a claim  \n• the application is made within 30 days of the policy anniversary date  \n• the monthly amount insured across all Income Secure Cover (including this increase) will not exceed $30,000  \n• the monthly amount insured across all Business Expense Cover (including this increase) will not exceed $60,000  \n• the life insured is actively at work in their regular occupation and expects either their income or business expenses to continue at or above the current level  \n• the life insured is able to supply financial evidence of their current income or business expenses that supports the increased monthly amount insured you are applying for, and  \n• the total of all increases under this benefit does not exceed the original monthly amount insured at the cover start date.  \nHow to apply  \n• Complete this Application Form, sign and date the declaration on page 7.  \n• Attach the required financial evidence of the life insured’s income or business expenses. You have the same duty to disclose those matters to the insurer before you extend, vary or reinstate a contract of life insurance. Your financial adviser can tell you what is required.  \nDuty to take reasonable care not to make a misrepresentation  \nWhen applying for insurance, there is a legal duty to take reasonable care not to make a misrepresentation to the insurer when applying for insurance. To meet this duty, you must also take reasonable care not to make such a misrepresentation.  \nA misrepresentation is a false answer, an answer that is only partially true, or an answer which does not fairly reflect the truth.  \nThis duty also applies when extending or making changes to existing insurance, and reinstating or recommencing insurance. If you do not meet your duty  \nNot meeting your legal duty can have serious impacts on your insurance. Your cover could be avoided (treated as if it never existed), or its terms may be changed. This may also result in a claim being declined or a benefit being reduced.  \nPlease note that there may be circumstances where we later investigate whether the information given to us was true. For example, we may do this when a claim is made.  \nAbout this application  \nWhen you apply for life insuranc","cbCainayOUiVYsBQ","https://ap.wps.com/l/cbCainayOUiVYsBQ","pdf",2927756,7,"English","# When to use this form\n# How to apply\n# Duty to take reasonable care not to make a misrepresentation\n# About this application\n# Guidance for answering our questions\n# Changes before your cover starts","[{\"question\":\"What is the purpose of the Increasing Income and Expenses features in this form?\",\"answer\":\"They allow an increase to the Income Secure or Business Expense Cover monthly amount insured based on changes to monthly earnings or business expenses, without needing medical evidence.\"},{\"question\":\"What are the maximum limits for the increase under these features?\",\"answer\":\"The maximum increase is 15% of the current monthly amount insured after the policy anniversary indexation increase. A maximum individual increase of $1,000 applies if there has been no increase under these features within three years of the cover start date.\"},{\"question\":\"What duties must applicants follow to avoid misrepresentation?\",\"answer\":\"Applicants must take reasonable care not to make a misrepresentation by giving answers that are false, only partially true, or not fairly reflecting the truth. This duty also applies when extending, changing, reinstating, or recommencing insurance.\"}]","Increasing Income and Expenses Application Form - read before applying | PDF",1789841360]