If you have a client with an AIA life policy and they are diagnosed with cancer, can their life insurance be paid upon

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Question 5 (10 marks | Word limit: 350 words)

For this question, refer to the AIA product disclosure statement (PDS), which can be downloaded from the following website link < https: // www.aia.com.au /content /dam /au /en /docs /policydocs /Priority_ Protection_ Product_ Disclosure_ Statement.pdf>.

  1. If you have a client with an AIA life policy and they are diagnosed with cancer, can their life insurance be paid upon diagnosis? Give reasons for your response. (2 marks)
  2. If Bob or Janet takes out a trauma policy for $100,000 cover with no rider benefits, can they be paid a benefit if their children are diagnosed with cancer? Give reasons for your response. (2 marks)
  3. If your clients have a TPD policy and satisfy the definition of ‘TPD’ due to a leg amputation, can they be immediately paid a TPD benefit? Give reasons for your response. (2 marks)
  4. If Bob and Janet have a trauma policy and are overseas, and Bob becomes hospitalised overseas for two months due to a stroke, will Janet qualify for any benefit? Give reasons for your response. (2 marks)
  5. If you have a client who is age 60, can they take out a policy with AIA? (2 marks)

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