Please read the Combined Product Disclosure Statement (PDS), Policy Document and Financial Services Guide (FSG) and consider if the cover is appropriate for your objectives, financial situation or needs. The Financial Services Guide provides information about the services we offer. You can ask us questions about your cover by calling 13 13 34.

The following documents are applicable to policies purchased from the effective date onwards.

Upon purchase of a policy, you'll be issued with a Welcome Pack which will include a copy of your Combined PDS, Policy Document and FSG, as well as your Policy Schedule. You may also receive change notices from us from time to time. Together, these documents form your policy terms.

If you purchased a policy prior to the listed effective date and would like a copy of your policy terms, please contact us on 13 13 34.