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  • How your mental wellbeing can affect your weight Stress and anxiety can make weight management more challenging. Here’s how to positively align your mental wellbeing and eating habits. https://www.hcf.com.au/health-agenda/body-mind/mental-health/mental-wellbeing-affects-weight
  • How sleep affects your mental health Find out why poor sleep can affect your mental wellbeing and how simple changes to your routine can help you sleep well and feel better. https://www.hcf.com.au/health-agenda/body-mind/mental-health/tips-to-sleep-well-for-better-mental-health
  • How to talk to your teenager about tough topics Addressing tough topics such as bullying, social media, depression and suicide with your teen can be daunting. Our expert advice will help you give them the support they need. https://www.hcf.com.au/health-agenda/work-life/family/talking-to-teenagers-parents-tips
  • How to get help for a substance use disorder Substance use disorder is the third most common type of mental disorder in Australians ages 16 to 85. Seeking help can feel daunting, but support is available. https://www.hcf.com.au/health-agenda/body-mind/mental-health/how-to-get-help-for-substance-use-disorder
  • How to stop overthinking and de-stress Stuck in a cycle of overthinking? Learn how to stop overthinking with tips to ease repetitive thoughts, reduce stress and restore balance. https://www.hcf.com.au/health-agenda/body-mind/mental-health/how-to-stop-overthinking
  • How to manage social anxiety without alcohol Social anxiety affects around one in 10 Australians. If you’re one of them, here’s how to cope without relying on a drink. https://www.hcf.com.au/health-agenda/body-mind/mental-health/how-to-manage-social-anxiety-without-alcohol
  • How to manage social anxiety without alcohol Social anxiety affects around one in 10 Australians. If you’re one of them, here’s how to cope without relying on a drink. https://www.hcf.com.au/health-agenda/body-mind/mental-health/how-can-i-reward-myself-without-alcohol
  • How to reduce financial stress in the home Many families are struggling with financial stress, but how do you communicate this to kids without giving them cause for worry? https://www.hcf.com.au/health-agenda/body-mind/mental-health/reducing-financial-stress
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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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