^* Offer applies across all HCF Life Recover Cover products. Two weeks free automatically applied to the half-yearly premium payable. Four weeks free automatically applied to the yearly premium payable. Cancellations won’t have the two or four weeks free refunded. Offer available to permanent Australian residents only and age restrictions apply. Products issued by HCF Life. Consider the relevant PDS and TMD available at hcf.com.au/lifeinfo.

^{^} HCF Life will provide eight weeks free cover to eligible members in accordance with these terms. To be eligible to receive the eight weeks free cover offer (Offer), you must purchase an HCF Life Insurance or Recover Cover policy between 00:00am AEST on Friday 29 May 2026 and 23:59pm AEST on Monday 3 August 2026 (Offer period). Once you pay your first 90 days’ premium, you’ll be entitled to have the date your policy is paid to extended by eight weeks. HCF may take up to six weeks to process the extension. HCF may amend or withdraw this Offer at any time without notice (though will apply it to purchases made before it is amended or withdrawn).

Please read the relevant Product Disclosure Statement, Policy Document and Financial Services Guide available by calling 1800 560 855 or visiting hcf.com.au/lifeinfo, and consider your financial situation, objectives, and needs before deciding on these products as any advice provided does not take these into account. In addition to these documents, you should also read the Target Market Determination (TMD) for the product, which is available at hcf.com.au/lifeinfo. Recover Cover is issued by our own HCF Life Insurance Company Pty Ltd. ABN 37 001 831 250, AFSL 236 806 (HCF Life). HCF Life is a wholly owned subsidiary of The Hospitals Contribution Fund of Australia Limited ABN 68 000 026 746, AFSL 241 414 (HCF). The premiums for Recover Cover products are paid to HCF Life. HCF receives commission from HCF Life for their sale of up to 40% of the first year's premium plus an additional commission of 80% of HCF Life's underwriting profit each year calculated as premiums less claims and expenses. HCF's staff may receive an incentive depending on the annual premium of these products which they sell. This will not exceed 15% of the first year's premium.

LIFE INSURANCE CODE OF PRACTICE
HCF Life is bound by the Life Insurance Code of Practice which sets out the Australian life insurance industry’s key commitments and obligations to customers. Further information is available at CALI Life Insurance Code of Practice.