1. This advice is general and has not taken into account your individual objectives, financial situation, or needs. You must consider whether this advice is right for you having regard to your individual personal circumstances. You may need financial advice from a qualified adviser. Before you make a decision to acquire or continue to hold an insurance product, you should carefully, and in detail, read the relevant PDS and the policy document (where applicable) for the terms, conditions and any exclusions that apply to that product to ensure that the product is suited to your own individual objectives, financial situation and needs.
2. The information in this FAQ is not, and is not intended to be used as, personal financial advice, legal advice or medical advice for any of the questions covered, nor is it a substitute for any independent professional advice.
3. The information is not intended to influence or encourage you to acquire or hold (or not to acquire or hold) a life insurance, total and permanent disability, or trauma productor to encourage or discourage you from making a claim under your current existing life, total and permanent disability or trauma policy with your insurer.
4. This information must be read in conjunction with the relevant policy document, product disclosure statement and/or any policy schedule (including any relevant terms, conditions, exclusions and waiting periods contained in these documents).