Product Disclosure - Consumer Rights and Responsibilities

Under our Total Customer Satisfaction Guarantee, the policyholder has the right to return the policy if unsatisfied with the sales process, at any time within 6 months of the issue date. The policy will then be deemed void. A refund will be made equal to the total book value of the policy (premiums paid plus accumulated interest less any amounts surrendered and/or payments made). The refund may be subject to a market value adjustment to reflect fluctuations in interest rates and may also be subject to taxation legislation.

The refund under the Total Customer Satisfaction Guarantee will not apply if the policy has been issued in lieu of a previous policy or as a result of exercising an option contained in the previous policy.

For complete details see our Total Customer Satisfaction Guarantee.