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chris605 发表于 2021-6-12 19:54 
Retail就是比group多点rider benefit. 定义的话，ip差不多。 tpd就是own 或者any. 但是虽然说三个insurer ...
看来你是不知道，那我给你拿Australiansuper和TAL来简单列列，Australiansuper用的是TAL的group policy
1. Life policy，TAL的Accelerated protection是保到100岁，你super里的group policy只能保到70. 虽然你70以后还需不需要人寿是个问题，但是这是rider benefit能解释的？
2. TPD any occupation, TAL的定义是totally unable to work in any occupation for which he or she is suited by training, education or experience，Super里面的定义是you’re incapable of ever working in any job that you’re reasonably suited to based on your previous education, training or experience, or any job that you may reasonably become suited to with further education, training or experience within a reasonable period. 这两个定义的理赔难度肯定是retail product低，因为它只看你的current training, education or experience. 你再去看看super怎么写的，什么叫further education, training or experience within a reasonable period.
3. Guaranteed insurability 你super有吗？
4. 还有最夸张的ADL definition，我从未见过如此厚颜无耻之人。我复制出来大家自己看，
TAL retail product
Activities of Daily Living (ADL) are:
• Bathing – the ability to shower and bathe;
• Dressing – the ability to put on and take off clothing;
• Toileting – the ability to get on and off and use thetoilet;
• Mobility – the ability to get in and out of bed and achair; and
• Feeding – the ability to get food from a plate into the mouth.
Super的ADL
Mobility – you can’t do one of these:
› Walk more than 200 metres on a level surface without stopping because of breathlessness or severe discomfort.
› Bend, kneel or squat to pick something up from the floor and straighten up again, or get in andout of a standard sedan car.
Communicating – you can’t do one of these:
› Speak in your first language so that you’re understood in a quiet room, or hear (with or without a hearing aid or other aid) an instruction given in a normal voice in your first language in a quiet room.
› Understand a simple message in your first language and pass on that message to another person.
Vision
Even if you’re wearing glasses or contact lenses, you can’t read ordinary newsprint and pass the standard eyesight test for a car licence.
Lifting
You can’t lift, carry or move objects weighing 5 kilograms with your hands even if you use both hands together.
Manual dexterity
You can’t use your hands or fingers to handle small objects with precision (such as picking up a coin, fastening shoelaces or buttons, using cutlery, or using a pen or keyboard to write a short note).
作为业内人士，你觉得你说的做的合适吗？就算你不是adviser，不需要遵守best interest duty，在不了解足友个人情况时随便给出保留或者取消保险这种financial advice，你有资质吗？还是说你所在的super fund的ethical standard就是这样的？ |
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新疆拉面 (2005-1-3) sduwei 
楼主:FPC-S
发表于 2021-6-12 20:15
