Loan Protection. Product Disclosure Statement (PDS) Issued: 1 September Protecting your financial future with us

Size: px
Start display at page:

Download "Loan Protection. Product Disclosure Statement (PDS) Issued: 1 September 2013. Protecting your financial future with us"

Transcription

1 Loan Protection Product Disclosure Statement (PDS) Issued: 1 September 2013 Protecting your financial future with us Issued by: MetLife Insurance Limited ABN AFSL , Level 9, 2 Park Street, Sydney NSW 2000 ACE Insurance ABN AFSL , O Connell Street, Sydney NSW 2000

2 About the insurers Loan Protection consists of two separate components, being life insurance and general insurance. The insurer of the life insurance component (death, terminal illness, trauma and disability benefit) is MetLife Insurance Limited (ABN ) (AFSL ) ( MetLife ). The insurer of the general insurance component (involuntary unemployment benefit) is ACE Insurance Limited (ABN ) (AFSL ) ( ACE ). These insurers are jointly responsible for the contents of this Product Disclosure Statement (PDS). Throughout this document these insurers are referred to as we or us (with the reference being to either or both insurers, as is applicable to the context and the benefit being referred to). MetLife MetLife Insurance Limited (MetLife), an affiliate of MetLife, Inc., is a specialist provider of life insurance to affinity partners, superannuation trustees and employers in Australia. MetLife has expertise in designing and executing both direct insurance programs for partners customers and insurance solutions to meet the needs of specific member groups. MetLife has been a specialist provider of life risk insurance products in Australia since MetLife, Inc. (NYSE: MET) is a leading global provider of insurance, annuities and employee benefit programs, serving 90 million customers in over 50 countries. Through its subsidiaries and affiliates MetLife holds leading market positions in the United States, Japan, Latin America, Asia Pacific, Europe and the Middle East. MetLife pay the part of your premium that relates to the life insurance component of your cover into their No. 1 statutory fund. This is the fund from where all benefits of this type are payable. ACE ACE is part of the ACE Group of Companies, one of the global leaders in insurance and reinsurance serving a diverse group of clients. Headed by ACE Limited, the ACE Group conducts its business on a worldwide basis with operating subsidiaries in more than 50 countries and the authority to do business in 140 jurisdictions. Contents What is Loan Protection? 2 Type of Covers and enjoy a discount Cooling off period What are the significant benefits? 3 Repayment Cover What isn t covered? 4 When will my cover commence? When will my cover end? Applying for Cover 6 Who is eligible? When can you apply? Premiums 6 How can I pay my premiums? What does Loan Protection cost? Am I eligible for any discounts? What happens if I don t pay my premium? Important Information 7 How do I make a claim? Are there any risks in taking out a Loan Protection policy? Customer service Are Loan Protection s taxed? Protecting your Privacy Updating our PDS Register of alternative forms of remuneration Financial Claims Scheme and Compensation Arrangements Direct Debit Service Agreement The Australian Dream One of the greatest Australian dreams and achievements is having something to call your own like a car or home. So protecting what is one of your biggest assets makes complete sense. Loan Protection offers you that security where you can protect your own. This PDS will help you understand the covers available and assist with choosing your policy. Loan Protect 1

3 What is Loan Protection? Loan Protection provides financial assistance for your personal or mortgage loans if something unexpected is to occur. It offers a simple and affordable life insurance at the time you apply for a loan. The great thing about Loan Protection is that even if you ve paid off your loan, you can keep your Loan Protection policy which will provide you with insurance which may be difficult to obtain later. Type of Covers and enjoy a discount Loan Protection provides two types of covers. You can choose to select one cover or you can choose to select both covers which will come with a 10% discount. Cover s Description Death A lump sum payment of up to $1 million to help pay off the outstanding loan balance in the event of death. Repayment Cover Terminal Illness Trauma Disability Involuntary Unemployment A lump sum payment of up to $1 million to help pay off the outstanding loan balance in the event of terminal illness. Provides 20% of the sum insured if you suffer a specified trauma condition. This benefit applies if your is $50,000 or more. Your monthly benefit up to $5,000 for up to 12 months to help meet loan repayments in the event of your disablement. Your monthly benefit up to $5,000 for up to 3 months to help meet loan repayments in the event of your involuntary unemployment. Cooling off period For your peace of mind, Loan Protection comes with a 30 day cooling off period. You have 30 days from the policy commencement date to review your policy and make sure that it meets your needs. If you change your mind and wish to cancel your policy during this time, provided that you have not made a claim, you will be entitled to a full refund of premiums paid up to that time. Once you have decided to protect your loan; it s an easy process where: there are no intrusive medical questions or medical examinations; you can obtain cover even where you have previously suffered from a serious illness or injury; and you can choose your covers and adjust your level of cover to suit your needs and budget. Firstly, read this PDS as it contains important information about Loan Protection. Most PDS s can be difficult to read with so much information and legal jargon. So we ve taken these bits out of this document. For more detail, you can refer to the Policy Document. This PDS includes references to the full terms and conditions in the Policy Document to make it easier for you to understand. To obtain a free copy of the Policy Document, give us a call on or visit loan-protection/index/html. What are the significant benefits? Death No-one wants to leave a significant debt to a loved one or even think about the unexpected happening; however, this benefit will provide cover upon your death assisting your family with financial freedom, for example paying off your loan or leaving a nest egg for your family s future. Terminal Illness Worry a little less if you suffer a terminal illness* as we ll advance your Death to you to provide you with financial support. You can use this payment however you wish such as tying up outstanding debts and loans, for further medical treatments or a deserved holiday with your loved ones. If a claim for a Terminal Illness is made and the insured person dies before the benefit is paid, a claim for a Death will instead be assessed. *Terminal illness occurs when an insured person suffers a sickness which they have been diagnosed with, having considered any other evidence we may require, that their life expectancy is not greater than 12 months, regardless of any available treatment. Trauma It doesn t take long for the bills to pile up and everyday lifestyle changes if you suffer a traumatic medical condition which can put a lot of strain on you and your family. This benefit can assist you in your time of need by providing you cover if you re diagnosed with one of the 17 listed medical conditions or procedures. List of medical conditions or procedures as follows: Diagnosed as having one of the following medical conditions: 1. Cancer * 2. Benign brain tumour * 3. Heart attack * 4. Major head trauma * 5. Stroke * Diagnosed as suffering from one of the following degenerative conditions: 6. Alzheimer s disease 7. Dementia * 8. Motor neurone disease 9. Multiple sclerosis 10. Muscular dystrophy 11. Parkinson s disease Having suffered or undergone one of the following: 12. Coronary artery bypass surgery 13. Open heart surgery * 14. Organ transplant * 15. Permanent loss of an entire hand or foot 16. Permanent loss of use of a limb (paralysis) 17. Third degree burns* * To be eligible to make a claim under this Trauma, these medical conditions will need to meet the criteria as defined in Section 7 Glossary in the Policy Document. If the Trauma is paid then the Death and Terminal Illness s will be reduced by the amount paid. Repayment Cover Disability Know that you have time and financial ease to focus on recovery and rehabilitation. If you suffer a disability from an injury or sickness which prevents you from working, this benefit, after 30 days (your waiting period) will provide a monthly benefit for up to 12 months for any one claim. Involuntary Unemployment Taking out a new loan can be exciting and stressful at the same time. But to be made involuntarily unemployed could mean losing the loan altogether. Focus on finding a new job with the help of this benefit. If you are involuntarily made unemployed and remain continuously unemployed for at least 30 days (your waiting period), we will provide a monthly benefit for up to 3 months for any one claim. Loan Protect 2 Loan Protect 3

4 What isn t covered? So we ve explained what is covered under Loan Protection; it s now important to let you know what isn t covered. Cover s Death and Terminal Illness s Exclusions Any related illness, related injury or related conditions in the 5 years before the commencement date, the date of any reinstatement or the date of any increase in the sum insured (applies to the increased portion only) that the: - insured person was aware of, or - insured person received advice or treatment from a registered medical practitioner or other health professional, or - insured person or a reasonable person in the circumstances, were aware of symptoms for which a reasonable person would have sought medical advice or treatment; Intentional self-inflicted injury; A claim event which occurred whilst travelling to countries which the Australian Government has issued a do not travel or reconsider your need to travel warning; and Taking part in an illegal or criminal activity. Trauma Any related illness, related injury or related conditions in the 5 years before the commencement date, the date of any reinstatement or the date of any increase in the sum insured (applies to the increased portion only) that the: - insured person was aware of, or - insured person received advice or treatment from a registered medical practitioner or other health professional, or - insured person or a reasonable person in the circumstances, were aware of symptoms for which a reasonable person would have sought medical advice or treatment; Intentional self-inflicted injury; A claim event which occurred whilst travelling to countries which the Australian Government has issued a do not travel or reconsider your need to travel warning; Taking part in an illegal or criminal activity; If the insured person dies within 14 days of when the insured trauma condition occurs or is diagnosed; and If any of the insured trauma conditions occur or symptoms become apparent, within 90 days of the commencement date, reinstatement date of the policy or increase in sum insured (for the increased portion only), unless the occurrence of the insured event is as a result of an accident. Disability Any related illness, related injury or related conditions in the 5 years before the commencement date, the date of any reinstatement or the date of any increase in the sum insured (applies to the increased portion only) that the: - insured person was aware of, or - insured person received advice or treatment from a registered medical practitioner or other health professional, or - insured person or a reasonable person in the circumstances, were aware of symptoms for which a reasonable person would have sought medical advice or treatment; Intentional self-inflicted injury; A claim event which occurred whilst travelling to countries which the Australian Government has issued a do not travel or reconsider your need to travel warning; and Taking part in an illegal or criminal activity. Involuntary Unemployment An unemployment benefit will not be paid where unemployment occurs as a result of: - voluntary resignation, voluntary redundancy, early retirement or where employment has been abandoned; - taking part in a strike or a lockout; - being dismissed for serious misconduct or for taking part in an illegal or criminal activity; or - employment ceasing at the end of a contract, season, task or period, where the insured person was employed under a contract, seasonally or for a specified task or period; or - for unemployment existing at the commencement of the cover or where the insured person was aware at the commencement of the cover of the impending termination of their employment and the subsequent termination of that employment was the cause of the unemployment. Taking part in an illegal or criminal activity. When will my cover commence? Your cover will commence once your application has been accepted by us. You will receive a policy document and schedule detailing the level of cover for which you have been approved. The policy document along with the schedule forms the basis of your contract. If there is any inconsistency between this PDS and the policy document, the full terms and conditions contained in the policy document will prevail to the extent of the inconsistency. When will my cover end? Your cover ends on the earliest of the following events: you turn age 65; your insurance is cancelled due to non-payment of premium; you request to cancel your insurance; the date the Terminal Illness is paid in full; or the date you die. In addition: the Trauma ends once a benefit has been paid for the specified trauma condition; the Repayment Cover ends on the insured person s permanent retirement; or the Involuntary Unemployment ends as soon as we pay the Involuntary Unemployment for 12 months in total. If your policy is jointly owned, your cover will continue and premiums will be adjusted accordingly. Loan Protect 4 Loan Protect 5

5 Applying for Cover Who is eligible? Loan Protection is available for borrowers who have a personal loan or mortgage loan with a registered finance corporation or authorised deposit taking institution. To apply for Loan Protection you must: be aged between 18 and 55 (inclusive) at the time of application; have received the PDS in Australia; and be an Australian or New Zealand citizen or permanent resident, residing in Australia at the time of applying. In addition, if you apply for Repayment Cover: you must be gainfully employed and working a minimum of 20 hours per week; you must have been gainfully employed for the last 6 months; and the loan must be a personal loan or a mortgage that is secured by your principle place of residence. When can you apply? You can apply for Loan Protection: when you apply for a new loan; when you apply for an additional borrowing under an existing loan; or within 12 months after the loan commenced, or an increase in the loan, the loan is re-funded or the security for the loan is changed. Protection for one life or two Up to two borrowers can apply for Loan Protection on the one policy (Joint Policy) for the same loan. If you decide to apply as a joint policy, each insured person may have different covers and cover levels, based on your loan amount and circumstances. Example: Dan and Janice have a joint home loan of $750,000. Dan decides to apply for of 100% of their loan and Repayment Cover. Janice, a full-time stay-at-home mother, decides to apply for only Loan Cover of 25% of their loan. How much cover can you apply for? You can apply for 100%, 75%, 50% or 25% of your loan amount of up to $1,000,000. Repayment Cover You can apply for 100%, 75%, 50% or 25% of your monthly loan repayments of up to $5,000. Premiums How can I pay my premiums? You can select to pay your premiums either fortnightly, monthly or annually from your nominated bank account or credit card (Diners, American Express, VISA and MasterCard are accepted). What does Loan Protection cost? The premium payable is based on your chosen cover, the amount insured, your age, your age at entry, gender and the number of persons insured. We d like to show you just how affordable Loan Protection is below are some monthly premium examples: Kelly: female: 32 years: non-smoker Loan amount $350,000 Policy Sum insured $350,000 (100%) Monthly premium $37.35 Brian: male: 32 years: non-smoker Loan amount $450,000 Policy & Repayment Cover Sum insured $225,000 & $800 per month (both 50%) Monthly premium $66.36 Am I eligible for any discounts? Everyone loves a discount! Below are the discounts available to you: Package Discount Enjoy a 10% discount if you take out and Repayment Cover together. Easy! Sum Insured Discount A sum insured discount may apply to your policy. The size of the discount will depend on the type of cover selected; the sum insured amount and the loan type. What happens if I don t pay my premium? You must pay your premiums throughout the life of the policy when they are due. If you do not pay a premium within 30 days of it being due, we will cancel your policy. However, we will provide you with 30 days written notice, before we cancel it for this reason. Important Information How do I make a claim? If you, your family or legal personal representative needs to make a claim, they should contact us as soon as possible on We will send out a claims pack, which sets out in detail the information that is required by us to assess and complete a claim. For more information, refer to page 5 of the Policy Document. Are there any risks in taking out a Loan Protection policy? Some of the risks with taking out a Loan Protection policy include: the policy may not suit your needs; the level of cover may be insufficient; Loan Protection is not a savings plan, so if you cancel the policy after the cooling off period, you will not receive any premiums back. It is important that you ensure that the policy meets your needs both now and in the future. You may wish to seek assistance from a financial adviser if you are not sure if Loan Protection suits your personal circumstances. Customer service If you have an enquiry, wish to notify us of a change to your policy (i.e. contact details), or have a complaint, please contact MetLife Customer Service on (Monday to Friday, 8am 6pm) or write to MetLife Insurance Ltd, Reply Paid 3319, Sydney NSW We will strive to achieve the highest standard of customer service. If you have a complaint and you re not satisfied with our response, the Financial Ombudsman Service (FOS), an independent and impartial body, offers a free dispute resolution service. FOS can be contacted on , or write to The Executive Officer, Financial Ombudsman Service, GPO Box 3, Melbourne Victoria 3001, or to Loan Protect 6 Loan Protect 7

6 Are Loan Protection s taxed? Premiums paid for the following components of should generally be non-deductible for tax purposes and any benefits paid by us under these components would not be assessable: Death ; Terminal Illness ; and Trauma. Premiums paid for the following components of Repayment Cover should generally be tax deductible and any benefits paid by us under these components should form part of assessable income for tax purposes: Disability ; and Involuntary Unemployment. GST does not apply on any insurance premiums under Loan Cover but to Repayment Cover. If tax laws are altered, we reserve the right to increase premiums or charges to reflect any applicable GST or any other Government taxes and charges that may be introduced. This information is based on MetLife s interpretation of the present taxation rules. You should seek advice from a suitably qualified professional in relation to your particular circumstances. Protecting your Privacy We respect your Privacy. MetLife and ACE Insurance Ltd handles all personal information they collects in accordance with the National Privacy Principles and, the Privacy Act The MetLife Privacy Policy can be viewed at or call us on The ACE Privacy Policy can be viewed at Updating our PDS All the information contained in this PDS is current at the time of issue. We may change or update any information from time to time. If the change is not materially adverse, we may notify you about the change by preparing an update on or website or You can also obtain a printed copy of this free of charge by contacting us. If we make a change to your policy which in your opinion was adverse to you, we will, if you make a claim, assess your claim on the terms of the policy before the change took place. Register of alternative forms of remuneration MetLife maintains a register of alternative forms of remuneration paid to intermediaries as required by the Financial Services Council of which we are a member. The purpose of this register is to provide an outline of the alternative types of remuneration paid and received. You can obtain a copy by calling us on Financial Claims Scheme and Compensation Arrangements ACE is an insurance company authorised under the Insurance Act 1973 (Insurance Act) to carry on general insurance business in Australia by the Australian Prudential Regulation Authority (APRA) and are subject to the prudential requirements of the Insurance Act. The Insurance Act contains prudential standards and practices designed to ensure that, under all reasonable circumstances, financial promises made by ACE are met within a stable, efficient and competitive financial system. Because of this: The protection provided under the Financial Claims Scheme legislation applies in relation to ACE and the Policy. If ACE were to fail and were unable to meet our obligations under the Policy, a person entitled to claim under insurance cover under the Policy may be entitled to payment under the Financial Claims Scheme (access to the Scheme is subject to eligibility criteria). Information about the Financial Claims Scheme can be obtained from the APRA website at and the APRA hotline on ; and ACE are exempted by the Corporations Act 2001 from the requirement to meet the compensation arrangements Australian financial services licensees must have in place to compensate retail clients for loss or damage suffered because of breaches by the licensee or its representatives of Chapter 7 of that Act. We have compensation arrangements in place that are in accordance with the Insurance Act. Direct Debit Service Agreement If you decide to purchase a Loan Protection policy, you authorise MetLife to debit the relevant payments from your nominated bank account or credit card in accordance with the terms of the Direct Debit Agreement with MetLife. This agreement will be sent to you with your Policy Document. For more information, refer to page 8 of the Policy Document or go to Loan Protect 8 Loan Protect 9

7 MetLife Insurance Limited ABN AFSL No Level 9, 2 Park Street Sydney NSW 2000 Telephone: MET /13

Funeral Plan. Product Disclosure Statement (PDS) Issue Date: 14 May 2012. Funeral Plan is issued by MetLife Insurance Limited

Funeral Plan. Product Disclosure Statement (PDS) Issue Date: 14 May 2012. Funeral Plan is issued by MetLife Insurance Limited Funeral Plan Product Disclosure Statement (PDS) Issue Date: 14 May 2012 Funeral Plan is issued by MetLife Insurance Limited What is a Product Disclosure Statement? A Product Disclosure Statement (PDS)

More information

My plan. Their future. Heading goes. here. Powered by Citi. Powered by Citi. Pure Life. Product Disclosure Statement Issued 025 March?

My plan. Their future. Heading goes. here. Powered by Citi. Powered by Citi. Pure Life. Product Disclosure Statement Issued 025 March? Pure Life My plan. Heading goes Their future. here. Powered by Citi. Powered by Citi. Product Disclosure Statement Issued 025 March? April 2011 Issuer: Distributor: MetLife Insurance Limited Citigroup

More information

Product Disclosure Statement

Product Disclosure Statement Free Parent Cover Product Disclosure Statement Call 1300 547 435 or visit coles.com.au/insurance Issue Date: 1 February 2015 Issued by: MetLife Insurance Limited Who is the Insurer of Coles Life Insurance

More information

Aussie Mortgage Protection Plan

Aussie Mortgage Protection Plan Aussie Mortgage Protection Plan Convenient protection for your mortgage Product Disclosure Statement Issue date: 1 November 2013 Issued by: MetLife Insurance Limited and ACE Insurance Limited Distributed

More information

Loan Protection Plan

Loan Protection Plan Issued by Short form product disclosure statement NO APPLICATION FORM Please note, this document does not contain an application form. Loan Protection Plan Convenient risk protection for your loan Issue

More information

There s more to an estate plan than just funding your funeral costs

There s more to an estate plan than just funding your funeral costs There s more to an estate plan than just funding your funeral costs National Seniors Premium Funeral & Estate Plan is issued by MetLife Insurance Limited ABN 75 004 274 882 AFSL 238096 (MetLife). Product

More information

Loan Protection Plan. Product Disclosure Statement. Issued By: Hannover Life Re of Australasia Ltd and QBE Insurance (Australia) Limited

Loan Protection Plan. Product Disclosure Statement. Issued By: Hannover Life Re of Australasia Ltd and QBE Insurance (Australia) Limited Loan Protection Plan Product Disclosure Statement Issue date: 18 April 2016 Issued By: Hannover Life Re of Australasia Ltd and QBE Insurance (Australia) Limited Distributed by: ALI Group Table of contents

More information

Suncorp Funeral Plan. Product Disclosure Statement

Suncorp Funeral Plan. Product Disclosure Statement Suncorp Funeral Plan Product Disclosure Statement Prepared on: 14 February 2014 Effective date: 12 March 2014 Important information This is the Product Disclosure Statement (PDS) for Suncorp Funeral Plan.

More information

Funeral Plan. Product Disclosure Statement. Rewarding experience

Funeral Plan. Product Disclosure Statement. Rewarding experience Funeral Plan Product Disclosure Statement Rewarding experience This product and product disclosure statement are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the

More information

St.George Quick Cover

St.George Quick Cover St.George Quick Cover St.George Quick Cover is the fast and easy way to help protect the people you care about. Product Disclosure Statement and Policy Wording (PDS). Effective Date: 20 October 2014 Issued

More information

Product Disclosure Statement

Product Disclosure Statement GIO Funeral Plan Product Disclosure Statement This product and Product Disclosure Statement are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, GIO. Important

More information

GIO Funeral Insurance

GIO Funeral Insurance GIO Funeral Insurance Product Disclosure Statement and Policy Document Prepared on: 19 September 2014 Effective date: 20 October 2014 This product and combined Product Disclosure Statement and Policy Document

More information

Westpac Insurance. Life & Loan Insurance

Westpac Insurance. Life & Loan Insurance Westpac Insurance Life & Loan Insurance July 2013 Life it s rather unpredictable, isn t it? That s why our range of insurance cover is so flexible. We understand that everyone has different insurance needs

More information

Aussie Mortgage Protection Plan

Aussie Mortgage Protection Plan Aussie Mortgage Protection Plan Convenient protection for your mortgage Product Disclosure Statement Issue date: 1 September 2015 Issued by: Hannover Life Re of Australasia and QBE Insurance (Australia)

More information

Credit Card Protect. Product Disclosure Statement

Credit Card Protect. Product Disclosure Statement Credit Card Protect Product Disclosure Statement Bank of Melbourne Credit Card Protect is issued by Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 (Swann Insurance) and St.George Life Limited ABN 88

More information

Suncorp Life Protect Product Disclosure Statement

Suncorp Life Protect Product Disclosure Statement Suncorp Life Protect Product Disclosure Statement Prepared on: 20 February 2015 Effective date: 30 March 2015 Important Information This is the Product Disclosure Statement (PDS) for Suncorp Life Protect.

More information

Flexi Loan Repayment Protection

Flexi Loan Repayment Protection Flexi Loan Repayment Protection Product Disclosure Statement and policy wording 1 Effective 13 July 2015 Introducing Flexi Loan Repayment Protection. What is it? Flexi Loan Repayment Protection is insurance

More information

Personal Loan Protection. Product Disclosure Statement and policy wording

Personal Loan Protection. Product Disclosure Statement and policy wording Personal Loan Protection Product Disclosure Statement and policy wording Effective 13 July 2015 Introducing Personal Loan Protection. What is it? Personal Loan Protection is insurance designed to help

More information

Credit Card Repayment Protection

Credit Card Repayment Protection Credit Card Repayment Protection Product Disclosure Statement and policy wording Effective 13 July 2015 1 Introducing Credit Card Repayment Protection. What is it? Credit Card Repayment Protection is insurance

More information

Loan Repayment Protection

Loan Repayment Protection Issued by Short form product disclosure statement NO APPLICATION FORM Please note, this document does not contain an application form. Loan Repayment Protection Convenient risk protection for your loan

More information

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement

Simply Smarter Life Insurance. Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Simply Smarter Life Insurance Budget Direct Life Insurance and Budget Direct Accidental Death Insurance Product Disclosure Statement Budget Direct Life Insurance and Budget Direct Accidental Death Insurance

More information

St.George Personal Credit Protect is issued by Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 (Swann Insurance) and St.George Life Limited ABN 88

St.George Personal Credit Protect is issued by Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 (Swann Insurance) and St.George Life Limited ABN 88 St.George Personal Credit Protect Product Disclosure Statement St.George Personal Credit Protect is issued by Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 (Swann Insurance) and St.George Life Limited

More information

MemberCare Life Insure Policy

MemberCare Life Insure Policy MemberCare Life Insure Policy Product Disclosure Statement incorporating the Policy Wording Your family s complete protection Introduction & Welcome We understand how important it is to be comfortable

More information

LIFE INSURANCE. Product Disclosure Statement

LIFE INSURANCE. Product Disclosure Statement LIFE INSURANCE Product Disclosure Statement This product and Product Disclosure Statement are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, AAMI. Contents

More information

Family Life Cover Product Disclosure Statement Issue date: 1 December 2014

Family Life Cover Product Disclosure Statement Issue date: 1 December 2014 Family Life Cover Product Disclosure Statement Issue date: 1 December 2014 Family Life Cover is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level 7, 70 Phillip Street,

More information

LOAN PROTECTION INSURANCE TO HELP PAY YOUR LOAN WHEN YOU RE NOT ABLE TO

LOAN PROTECTION INSURANCE TO HELP PAY YOUR LOAN WHEN YOU RE NOT ABLE TO LOAN PROTECTION INSURANCE TO HELP PAY YOUR LOAN WHEN YOU RE NOT ABLE TO Product Disclosure Statement (PDS) and Policy Document Preparation date: 31 May 2014 ABOUT THIS DOCUMENT About this document This

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement 30 September 2013 ClearView LifeSolutions is issued by ClearView Life Assurance Limited: ABN 12 000 021 581, AFS Licence No. 227682. ClearView LifeSolutions Super is issued

More information

BT Protection Plans for Mortgage Customers

BT Protection Plans for Mortgage Customers BT Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a Combined

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement For NAB Mortgage Protect Preparation Date: 23 June 2012 Issue No. 1 This Product Disclosure Statement (PDS) is issued by: MLC Limited, ABN 90 000 000 402 AFSL 230694 You ve

More information

Product Disclosure Statement. Life Insurance. Issue no. 1 Term Life Recovery Stand Alone Recovery Income Protector Income Advantage Business Expenses

Product Disclosure Statement. Life Insurance. Issue no. 1 Term Life Recovery Stand Alone Recovery Income Protector Income Advantage Business Expenses Product Disclosure Statement Life Insurance Issue no. 1 Term Life Recovery Stand Alone Recovery Income Protector Income Advantage Business Expenses Issued 1 March 2004 Contents 1 About Asteron 2 About

More information

St.George Protection Plans for Mortgage Customers

St.George Protection Plans for Mortgage Customers St.George Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a

More information

Protection Plans for Mortgage Customers

Protection Plans for Mortgage Customers Westpac Protection Plans for Mortgage Customers Product Disclosure Statement and Financial Services Guide Term Life for Mortgages Income Protection for Mortgages Effective date: 1 June 2015 This is a Combined

More information

Contact AMP You can call or fax a Customer Service Officer on Phone 131 267 Fax 1300 301 267

Contact AMP You can call or fax a Customer Service Officer on Phone 131 267 Fax 1300 301 267 getting a home loan? Easy cover for you Loan Cover Product Disclosure Statement Issue 3, 1 January 2012 Loan Cover is issued by AMP Life Limited ABN 84 079 300 379, AFS Licence No. 233671 Loan Cover is

More information

Who ll repay your credit card if you can t? Card repayment insurance. www.jetstar.com/cards

Who ll repay your credit card if you can t? Card repayment insurance. www.jetstar.com/cards Who ll repay your credit card if you can t? Card repayment insurance Issued by Macquarie Life Limited Combined Financial Services Guide and Product Disclosure Statement www.jetstar.com/cards 1 Introduction

More information

Product Disclosure Statement Version 11, Issued 21 May 2012. Life s better with the right partner AIA.COM.AU. Priority Protection

Product Disclosure Statement Version 11, Issued 21 May 2012. Life s better with the right partner AIA.COM.AU. Priority Protection Priority Protection Product Disclosure Statement Version 11, Issued 21 May 2012 Life s better with the right partner AIA.COM.AU Who issues Priority Protection? This Product Disclosure Statement ( PDS )

More information

Suncorp Accidental Death Plan. Product Disclosure Statement

Suncorp Accidental Death Plan. Product Disclosure Statement Suncorp Accidental Death Plan Product Disclosure Statement Prepared on: 14 February 2014 Effective date: 12 March 2014 Important Information This is the Product Disclosure Statement (PDS) for Suncorp Accidental

More information

Issued by. Product disclosure statement. Smart Shield Income Protection

Issued by. Product disclosure statement. Smart Shield Income Protection Issued by Product disclosure statement Smart Shield Income Protection Issue date: 1 August 2012 About the Product Providers MetLife MetLife, an affiliate of MetLife Inc., is a specialist provider of life

More information

Product Summary. Life s better with the right partner. Life Cover. November 2015. Complimentary Final Family Expenses. Why consider Life Cover?

Product Summary. Life s better with the right partner. Life Cover. November 2015. Complimentary Final Family Expenses. Why consider Life Cover? Product Summary November 2015 Life s better with the right partner This is a summary of the main features and terms of the AIA Australia Priority Protection for Platform Investors product. For full details,

More information

Who ll repay your credit card if you can t? Card repayment insurance. www.jetstar.com/cards

Who ll repay your credit card if you can t? Card repayment insurance. www.jetstar.com/cards www.jetstar.com/cards Who ll repay your credit card if you can t? Card repayment insurance Combined Financial Services Guide and Product Disclosure Statement Section 1 Introduction 1 Introduction 4 Product

More information

Aussie Life Plan Product Disclosure Statement Issue date: 5 July 2010

Aussie Life Plan Product Disclosure Statement Issue date: 5 July 2010 Aussie Life Plan Product Disclosure Statement Issue date: 5 July 2010 Aussie Life Plan is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level 7, 70 Phillip Street, Sydney

More information

SMSF. Comprehensive life insurance cover for members of self managed super funds. Product Disclosure Statement

SMSF. Comprehensive life insurance cover for members of self managed super funds. Product Disclosure Statement SMSF Comprehensive life insurance cover for members of self managed super funds Product Disclosure Statement Issued: 18 April 2013 Contents About Insure Me Now 3 About Hannover 3 Explaining this Product

More information

Product Disclosure Statement. Issue date: 14 December 2015 Issue number: 6

Product Disclosure Statement. Issue date: 14 December 2015 Issue number: 6 Product Disclosure Statement Issue date: 14 December 2015 Issue number: 6 Accident Only Woolworths Life Insurance 2 Welcome to Woolworths Life Insurance Accident Only Explaining this document This Product

More information

BT Protection Plans. Product Disclosure Statement and Policy Document (PDS)

BT Protection Plans. Product Disclosure Statement and Policy Document (PDS) BT Protection Plans Product Disclosure Statement and Policy Document (PDS) Dated 19 May 2014 Who s responsible for BT Protection Plans The Insurer is Westpac Life Insurance Services Limited ABN 31 003

More information

A Guide to Critical Illness Insurance

A Guide to Critical Illness Insurance A Guide to Critical Illness Insurance This guide about Critical Illness cover is designed to help you decide if this is a suitable product for you. It aims to help by answering the following questions:

More information

Repayment Protection Insurance. A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan.

Repayment Protection Insurance. A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan. Repayment Protection Insurance A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan. The issuers are Hallmark Life Insurance Company Ltd. (Hallmark

More information

Funeral Protection. Product Disclosure Statement and Policy Document. The Power of We. Version 1. Issued 15 August 2011 AIA.COM.AU

Funeral Protection. Product Disclosure Statement and Policy Document. The Power of We. Version 1. Issued 15 August 2011 AIA.COM.AU 1 Funeral Protection Product Disclosure Statement and Policy Document Version 1 Issued 15 August 2011 The Power of We AIA.COM.AU About this booklet We suggest that you keep this booklet in a safe place.

More information

Suncorp Funeral Plan. Policy Document

Suncorp Funeral Plan. Policy Document Suncorp Funeral Plan Policy Document Contents 1.0 Important information 3 2.0 Cooling off period 4 3.0 When does cover start and stop? 4 4.0 Benefits under this policy 5 5.0 Your premium 7 6.0 Claims 8

More information

LOAN PROTECT POWERED BY. Vow Loan Protect Convenient protection for you

LOAN PROTECT POWERED BY. Vow Loan Protect Convenient protection for you LOAN PROTECT POWERED BY Vow Loan Protect Convenient protection for you Product Disclosure Statement 19 October 2015 Vow Financial Wealth Management Vow Financial Wealth Management Pty Limited (ABN 66 138

More information

Funeral Plan. Rewarding experience

Funeral Plan. Rewarding experience Funeral Plan Policy Document Rewarding experience This product and policy document are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand, Apia. Contents 1.0.

More information

Your. Product Disclosure Statement and Insurance Policy

Your. Product Disclosure Statement and Insurance Policy Your Product Disclosure Statement and Insurance Policy In arranging this insurance Defence Bank Limited ABN 57 087 651 385 AFSL /Australian Credit Licence 234582 is acting pursuant to an agreement with

More information

Income Care with either monthly or lump sum benefits

Income Care with either monthly or lump sum benefits Income Care with either monthly or lump sum benefits Important information This advice has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited

More information

Woolworths Life Insurance. Woolworths Life Insurance Accident Only Product Disclosure Statement. Issue date: 16 April 2015 Issue number: 5

Woolworths Life Insurance. Woolworths Life Insurance Accident Only Product Disclosure Statement. Issue date: 16 April 2015 Issue number: 5 Woolworths Life Insurance Woolworths Life Insurance Accident Only Product Disclosure Statement Issue date: 16 April 2015 Issue number: 5 Welcome to Woolworths Life Insurance Accident Only Explaining this

More information

Income Care with either monthly or lump sum benefits

Income Care with either monthly or lump sum benefits Income Care with either monthly or lump sum benefits Important information This advice has been prepared by CommInsure, a registered business name of The Colonial Mutual Life Assurance Society Limited

More information

Westpac Protection Plans

Westpac Protection Plans Westpac Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS) Dated 1 July 2014 This SPDS is dated 1 July 2014 and supplements the information contained in the Westpac

More information

Life Insurance. Go Protect. Product Disclosure Statement 24 October 2011. TAL Life Limited ABN 70 050 109 450 AFSL 237 848

Life Insurance. Go Protect. Product Disclosure Statement 24 October 2011. TAL Life Limited ABN 70 050 109 450 AFSL 237 848 Life Insurance Go Protect Product Disclosure Statement 24 October 2011 TAL Life Limited ABN 70 050 109 450 AFSL 237 848 Contact details You can contact TAL, 8:00am 7:00pm (EST), using the details below:

More information

Your Life. Product Disclosure Statement. Issue Date: 12 August 2005. Issued by: MetLife Insurance Limited (MetLife) ABN 75 004 274 882 AFSL No.

Your Life. Product Disclosure Statement. Issue Date: 12 August 2005. Issued by: MetLife Insurance Limited (MetLife) ABN 75 004 274 882 AFSL No. Your Life Product Disclosure Statement Issue Date: 12 August 2005 Issued by: MetLife Insurance Limited (MetLife) ABN 75 004 274 882 AFSL. 238096 Products are offered by MetLife Insurance Limited (MetLife),

More information

Credicover Loan Insurance

Credicover Loan Insurance The Disability and Involuntary Unemployment component of this policy is underwritten by Credicorp Insurance Pty Ltd ABN 50 069 196 756, AFSL No. 238 335. Life Insurance issued by arrangement with CGU Insurance

More information

American Express Credit Protector

American Express Credit Protector American Express Credit Protector Policy Wording and Product Disclosure Statement (PDS) Index 1 Important information about this Policy Wording and PDS 3 2 About the Insurers and the Promoter 3 3 Duty

More information

American Express Credit Protector

American Express Credit Protector American Express Credit Protector Policy Wording and Product Disclosure Statement (PDS) Index 1 Important information about this Policy Wording and PDS 4 2 About the Insurer and the Promoter 4 3 Duty of

More information

Professionals Income Protection Plan

Professionals Income Protection Plan Customer Services Phone 1800 658 679 Fax 02 9234 6668 Email customer@ing.com.au Postal address Customer Services GPO Box 5306 Sydney NSW 2001 Website www.ing.com.au Professionals Income Protection Plan

More information

CREDITSHIELD Product Disclosure Statement (PDS)

CREDITSHIELD Product Disclosure Statement (PDS) CREDITSHIELD Product Disclosure Statement (PDS) Prepared: 20 May 2008 Issuer & Insurer: MetLife Insurance Limited Level 9, 2 Park Street, Sydney NSW 2000 ABN: 75 004 274 882 AFSL Number: 238096 Distributor:

More information

Allianz LifeCover Plus

Allianz LifeCover Plus Allianz LifeCover Plus Product Disclosure Statement and Policy Document. Preparation Date: 05 January 2015 Issued and Administered by Allianz Australia Life Insurance Limited ABN 27 076 033 782, Australian

More information

NAB Mortgage Protect Policy Document

NAB Mortgage Protect Policy Document NAB Mortgage Protect Policy Document This insurance policy is issued by MLC Limited (MLC). This document is part of the insurance Policy You have taken out. The following pages describe the terms of Your

More information

ANZ Super Advantage INSurANce GuIde

ANZ Super Advantage INSurANce GuIde ANZ Super Advantage Insurance Guide 27 February 2012 ANZ Super Advantage Entity details in this Insurance Guide Name of legal entity Registered numbers Abbreviated terms used throughout this Guide OnePath

More information

ACE Bill Protect. Policy Wording and Product Disclosure Statement (PDS)

ACE Bill Protect. Policy Wording and Product Disclosure Statement (PDS) ACE Bill Protect Policy Wording and Product Disclosure Statement (PDS) INDEX 1 Helpful Overview 5 and Who to Contact 2 About the Insurer 8 3 Important information about 8 this Policy Wording and PDS 4

More information

ACCIDENTAL DEATH INSURANCE

ACCIDENTAL DEATH INSURANCE ACCIDENTAL DEATH INSURANCE Product Disclosure Statement This product and Product Disclosure Statement are issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 under the brand,

More information

Macquarie Life Active Product Disclosure Statement. Macquarie Life

Macquarie Life Active Product Disclosure Statement. Macquarie Life Macquarie Life Active Product Disclosure Statement Macquarie Life Product Disclosure Statement jointly issued by: Macquarie Life Limited ABN 56 003 963 773 AFSL 237 497 and Macquarie Investment Management

More information

Child cover. Free. child cover offer inside

Child cover. Free. child cover offer inside Child cover Free child cover offer inside Protecting your most precious asset It s a natural desire to want to wrap your child in cotton wool and protect them from harm. But while cotton wool might protect

More information

Accidental Death & Serious Injury Cover

Accidental Death & Serious Injury Cover Accidental Death & Serious Injury Cover Product Disclosure Statement Issue date: 27 April 2015 Accidental Death & Serious Injury Cover is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37

More information

Because you never know what may be around the corner. Product Disclosure Statement

Because you never know what may be around the corner. Product Disclosure Statement Essential Because you never know what may be around the corner Product Disclosure Statement Issued: 1 September 2015 Contents About Insure Me Now 1 About Hannover 1 Explaining this Product Disclosure Statement

More information

Life Insurance Product Disclosure Statement Issued 16 April 2015

Life Insurance Product Disclosure Statement Issued 16 April 2015 Life Insurance Product Disclosure Statement Issued 16 April 2015 Guardian Life Insurance is issued by Hannover Life Re of Australasia Ltd (Hannover) ABN 37 062 395 484 of Level 7, 70 Phillip Street, Sydney

More information

A simple guide to Life Insurance

A simple guide to Life Insurance A simple guide to Life Insurance Your guide to Life, Income Protection, Trauma, and Total & Permanent Disability Insurance. Lifebroker Pty Ltd ABN 92 083 177 011 Introduction Why do I need personal insurance?...

More information

Group Income Protection For Employees

Group Income Protection For Employees Group Income Protection For Employees Product Disclosure Statement Issue Date 1 September 2011 Contents 1 About this document 2 How CivilCover works 2 About Hannover 3 About Coverforce 3 CivilCover administration

More information

YOUR LIFE IS ALL ABOUT THEIR FUTURE

YOUR LIFE IS ALL ABOUT THEIR FUTURE YOUR LIFE IS ALL ABOUT THEIR FUTURE Protect your family with Medibank Life Insurance LIFE INSURANCE In store 1300 722 568 medibank.com.au/life 1 Why life insurance? There are some things in life you d

More information

LIFE INSURANCE PREPARING FOR THE FUTURE

LIFE INSURANCE PREPARING FOR THE FUTURE LIFE INSURANCE PREPARING FOR THE FUTURE Bupa life insurance is issued by ClearView Life Assurance Limited (ABN 12 000 021 581) (AFS Licence No. 227682) ( ClearView ). Bupa Australia Pty Limited (ABN 81

More information

Insurance. Life. Insurance. Product Disclosure Statement and Policy

Insurance. Life. Insurance. Product Disclosure Statement and Policy Insurance Life Insurance Product Disclosure Statement and Policy Effective 11 October 2013 The information provided in this PDS is general information only and does not take into account your individual

More information

Supplementary Product Disclosure Statement

Supplementary Product Disclosure Statement Supplementary Product Disclosure Statement 6 JUNE 2015 This Supplementary Product Disclosure Statement (SPDS) is dated 6 June 2015, and supplements the ANZ Mortgage Protection Insurance Disclosure Statement

More information

CommInsure Protection

CommInsure Protection CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Issue date: 11 May 2014 Product Disclosure Statement This Product Disclosure Statement (PDS) is issued by the insurer, The Colonial

More information

American Express Accident Cash Plan

American Express Accident Cash Plan American Express Accident Cash Plan Policy Wording and Product Disclosure Statement (PDS) Index Index 1 Important information about this Policy Wording and PDS 2 2 About the Insurer and the Promoter 2

More information

Priority Protection. Product Disclosure Statement Version 13, Date Prepared 1 March 2014. Life s better with the right partner

Priority Protection. Product Disclosure Statement Version 13, Date Prepared 1 March 2014. Life s better with the right partner Priority Product Disclosure Statement Version 1, Date Prepared 1 March 2014 Life s better with the right partner Important Notes This Product Disclosure Statement ( PDS ) describes the main features of

More information

Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy

Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Update to CommInsure Protection Combined Product Disclosure Statement (PDS) and Policy Effective 25 June 2014, this document updates the Sum m ary of incom e p ro t ect ion d if f erences in sid e an d

More information

Professional Insurance Portfolio

Professional Insurance Portfolio Product Disclosure Statement Please read this Product Disclosure Statement carefully. It contains important information about the above product. Version 9 Issued 6 June 2014 Professional Insurance Portfolio

More information

TOWER PROTECTION POLICY

TOWER PROTECTION POLICY LIFE INSURANCE TOWER PROTECTION POLICY Product Disclosure Statement November 2008 Runner Up Risk Company of the Year 2008 RUNNER UP 2008 Risk Company of the Year Winner WINNER Risk Company of the Year

More information

ARE YOU PREPARED FOR A SERIOUS ILLNESS? WHAT IS LIVING ASSURANCE? WHAT DOES IT OFFER ME?

ARE YOU PREPARED FOR A SERIOUS ILLNESS? WHAT IS LIVING ASSURANCE? WHAT DOES IT OFFER ME? ARE YOU PREPARED FOR A SERIOUS ILLNESS? It s a fact of life that we all get sick, and sometimes seriously. The cost of recovery from an illness like cancer or from a heart attack can have a huge impact.

More information

BT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS)

BT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS) BT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS) Dated 1 July 2014 This SPDS is dated 1 July 2014 and supplements the information contained in the BT Protection

More information

Essential Cover. Insurance information

Essential Cover. Insurance information Essential Cover Insurance information Essential cover Essential Cover Insurance allows you to cover your loan repayment or line of credit at an affordable cost. Protect yourself with Essential Cover Insurance

More information

ADDITIONAL DESCRIPTION DATE INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015. Tailored Employer Plans

ADDITIONAL DESCRIPTION DATE INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015. Tailored Employer Plans ANZ Smart Headline Choice goes Super here ADDITIONAL DESCRIPTION DATE INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015 Tailored Employer Plans Legal entity referred to in this Guide Name of

More information

Life. Product Disclosure Statement and Insurance Policy

Life. Product Disclosure Statement and Insurance Policy Life Product Disclosure Statement and Insurance Policy CGU Life Product Disclosure Statement and Policy Life Preparation date: 01/02/2013 Contents About This Insurance 1 Overview 1 Who is the product

More information

WA Super Insurance Guide

WA Super Insurance Guide MY SUPER APPROVED WA Super Insurance Guide The information in this document forms part of the WA Super Product Disclosure Statement, November 2013 You should read the PDS in conjunction with this Member

More information

ANZ Smart Choice Super. Insurance Guide For employers and their employees

ANZ Smart Choice Super. Insurance Guide For employers and their employees ANZ Smart Choice Super Insurance Guide For employers and their employees INSURANCe GUIDE 11 NOVEMBER 2013 ANZ Smart Choice Super Entity details in this Insurance Guide Name of legal entity Registered numbers

More information

Income Protection Policy Addendum Dated 10 October 2010

Income Protection Policy Addendum Dated 10 October 2010 Income Protection Policy Addendum Dated 10 October 2010 Policy Addendum for Income Protection Please read this document and keep it in a safe place with your Income Protection Policy Document. It is important

More information

AMP Life Insurance. Product Disclosure Statement and policy document

AMP Life Insurance. Product Disclosure Statement and policy document AMP Life Insurance Product Disclosure Statement and policy document Issue date: 12 March 2014 Contents Summary 1 Product issuer 1 Other companies involved in providing services 1 for the AMP Life Insurance

More information

Priority Protection for Platform Investors

Priority Protection for Platform Investors Priority for Platform Investors Product Disclosure Statement Version 1.1, Date Prepared 22 August 2014 Life s better with the right partner Important Notes This Product Disclosure Statement ( PDS ) describes

More information

Peace of mind made easy.

Peace of mind made easy. Peace of mind made easy. All you need to know about insurance for your personal loan. Loan Protection Insurance Combined Financial Services Guide, Product Disclosure Statement and Policy Prepared on 27th

More information

Seniors Final Expenses Insurance

Seniors Final Expenses Insurance Seniors Final Expenses Insurance Product Disclosure Statement Issue Date: 8 July 2015 The Over 50 s Insurance Specialists Australian Seniors Final Expenses Insurance is issued by Hannover Life Re of Australasia

More information

Repayment Protection Insurance. A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan.

Repayment Protection Insurance. A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan. Repayment Protection Insurance A helping hand when you need it most. Policy Document. All you need to know about insurance for your personal loan. DISCLOSURE STATEMENT FINANCIAL ADVISERS ACT 2008 The information

More information

Allianz LifeCover Plus

Allianz LifeCover Plus Allianz LifeCover Plus Product Disclosure Statement and Policy Document. Preparation Date: 22 May 2013 Issued and Administered by Allianz Australia Life Insurance Limited ABN 27 076 033 782, Australian

More information

Information Guide Booklet. Life Insurance

Information Guide Booklet. Life Insurance Information Guide Booklet Life Insurance This Information Guide booklet provides you with general information only. It will also help you to better understand any recommendations we have made for you.

More information

Term Life Insurance. With optional Critical Conditions Benefit. Permanent ADF Reservists Defence Community

Term Life Insurance. With optional Critical Conditions Benefit. Permanent ADF Reservists Defence Community Term Life Insurance With optional Critical Conditions Benefit Product Disclosure Statement Issue no 2 / 12 March 2014 Issued by Suncorp Life & Superannuation Limited ABN 87 073 979 530 AFSL 229880 Promoted

More information