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  • Common signs and symptoms of depression Jenni lived with symptoms of depression for decades before she finally found a way to ask for help. https://www.hcf.com.au/health-agenda/women/mental-health/symptoms-of-depression
  • Alcohol and sleep: what are the possible side effects? Do you often have a drink to help you nod off? Alcohol and sleep don't mix. Find out what the possible side effects are, how it can impact the quality of your sleep in the long term and other health risks you need to be aware of. https://www.hcf.com.au/health-agenda/body-mind/physical-health/alcohol-affecting-sleep
  • Signs of postnatal depression: when to seek help Here’s how to spot the signs of postnatal depression, and when and where to seek help. https://www.hcf.com.au/health-agenda/women/pregnancy-birth-perinatal/pre-postnatal-depression
  • Can you really catch up on sleep? Getting enough sleep is one of the most important lifestyle factors affecting our wellbeing. Here’s why you should take it seriously, with tips to get a better night's sleep. https://www.hcf.com.au/health-agenda/body-mind/mental-health/how-to-fix-sleep-debt
  • Can alcohol cause anxiety and depression? Alcohol and mental health problems are closely linked – and each can make the other worse. Learn how to recognise the signs and where to go for support. https://www.hcf.com.au/health-agenda/body-mind/mental-health/can-alcohol-cause-anxiety
  • The benefits of quitting alcohol for your body and mind Cutting back on alcohol, or quitting, can be a game-changer for your physical and mental health. Here’s what happens to your body when you quit, and tips on how to do it. https://www.hcf.com.au/health-agenda/body-mind/physical-health/benefits-quitting-alcohol
  • The science of a break up: What happens to our bodies? The end of your romantic relationship can make a real dent in your physical health. But with the right coping strategies, it can also lead to positive change. https://www.hcf.com.au/health-agenda/body-mind/physical-health/how-to-deal-breakup
  • Can men get postnatal depression? Although the term postnatal depression is commonly reserved for mothers, experts agree many fathers can also experience significant mood changes related to becoming a parent. https://www.hcf.com.au/health-agenda/body-mind/mental-health/men-postnatal-depression
  • How to reduce the mental load of chronic illness Between endless medical appointments and changes in social relationships, managing a chronic disease can take a physical and mental toll. Here’s how to ease the burden. https://www.hcf.com.au/health-agenda/body-mind/mental-health/living-with-a-chronic-disease
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YOUR DUTY TO TAKE REASONABLE CARE

When applying for HCF Life Protect Insurance we’ll ask you some questions about your health, lifestyle and other factors. When answering these questions, please remember you have a duty to take reasonable care not to make a misrepresentation. A misrepresentation includes a statement that is false, partially false, or which doesn’t fairly reflect the truth. It’s not a misrepresentation if you don’t answer a question or if your answer is obviously incomplete or irrelevant to the question asked. So it’s important that you answer any questions in the application process honestly and correctly, and to the best of your knowledge. The duty applies until we issue your cover and extends to making changes to your policy and reinstatements.

This insurance cover is provided under a consumer insurance contract. Your answers to these questions affect the terms and conditions of your cover. If you don’t comply with this duty, we may change the terms of your policy or treat your policy as if it never existed. This may result in your benefit being reduced or denied. 

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