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This is general advice only and does not take into account your objectives, financial situation or needs. Before acting on advice, consider whether it is appropriate for you. Before you purchase this product you should carefully read the Financial Services Guide and Product Disclosure Statement to decide if it is right for you. Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. The Life insurer, Swiss Re Life & Health Australia Limited has adopted the Life Insurance Code of Practice (the Code). It’s the life insurance industry’s commitment to mandatory customer service standards and it’s designed to protect you, the customer. Click here for more information about the Code or visit www.fsc.org.au