Product Disclosure Statements

aiaThe AIA Group is a leading pan-Asian life insurance organisation that traces its roots in the Asia Pacific region back more than 90 years. It provides consumers and businesses with products and services for life insurance, retirement planning, accident and health insurance as well as wealth management solutions. Through an extensive network of 250,000 agents and 20,000 employees across 15 geographical markets, the AIA Group serves over 20 million customers in the region.



Asteron is part of the Suncorp Group, and has been operating in the Australiasian market since 1833.Asteron provides a broad range of products in life insurance services which have been designed to protect you, your family and your business against the financial impacts of death, sickness or injury.



ING Australia has been helping Australians grow and protect their wealth for over 120 years and is one of Australia’s leading fund managers, life insurers and superannuation providers.

From May 2002 until November 2009, ING Australia operated as a joint venture between Australia and New Zealand Banking Group Limited (ANZ) and the global ING Group (ING). On 30 November 2009 ANZ purchased all of ING Group’s shareholding in ING Australia, and now owns 100% of the company. ING Australia now operates as ANZ’s Australian specialist wealth management and protection business.




AMP is a leading provider of wealth management and financial protection products and services through brands including Synergy, ipac and Summit. AMP Australia is a member of the Global AMP Group, one of the largest financial services groups in the world with an enviable track record in meeting the superannuation, investment and insurance needs of more than 65 million customers worldwide



CommInsure is part of the Commonwealth Bank Group and whilst the name was first introduced in 1999, CommInsure’s experience in the life insurance industry goes back for over 100 years. CommInsure offer a wide range of easy to understand and competitive insurance solutions to meet all your needs.


talTAL is Australia’s leading specialist life insurer and, since 1869, TAL has been helping people get the insurance cover they need.

As life insurance specialists, TAL has a very simple ambition – to make life insurance a well-understood and valued part of people’s lives.

TAL’s success in making life insurance more accessible means they now protect over 2.5 million Australians across the following products: Life Insurance, Critical Illness Insurance, Total & Permanent Disability Insurance, Income Protection and Business Expense Insurance.

TAL is owned by the Dai-ichi Life Insurance Company, Limited – one of the world’s largest life insurers.

TAL is the 2nd largest insurer in Australia and Australia’s largest specialist life insurer.

TAL has $1.7 billion of inforce premiums (as at 30 June 2013).

TAL protects over 2.3 million Australians, either directly, through a financial adviser or as ‘insurer of choice’ for some of Australia’s largest employers, super funds and master trusts.

TAL has over 1400 employees across Australia, dedicated to making life insurance easy for our customers every day.



Zurich Life was founded in 1872 and is headquartered in Zurich, Swizterland, with offices in over 50 countries around the world. This extensive gloabl network, along with our local expertise, allows Zurich to offer competitive solutions for all your life insurance needs.


BT has been helping Australians prepare for the best since 1969. Today BT helps thousands of customers find superannuation, investment and insurance solutions to suit their personal needs and goals. BT is also a specialist in financial advice.BT’s reputation is built on their expertise in superannuation, investment, insurance and advice. BT seeks to help customers become better investors and works with them by offering guidance and tips to help them take the financial steps they need to achieve their personal and lifestyle goals.BT understands that it’s about more than just growing your wealth, making the most of your savings or controlling your super. It’s about preparing for the best. For your best home, retirement, trip and heart’s desires. For the best future for you and your loved ones. For the lifestyle and financial security you deserve.BT’s award-winning and innovative products, combined with their easy to use and accessible services, can make it easier for you to prepare for your financial future.BT is part of BT Financial Group, the wealth management arm of the Westpac Group.


Macquarie Life Limited (Macquarie life) is a wholly owned subsidiary of Macquarie Bank Limited. Macquarie Life was sestablished in 1992 and has been issuing life insurance policies to clients since 2000.Providing award-winning service to clients is at the forefront of everything they do. They have already achieved significant results in this area. They were awarded 5 star status in the 2008 WA Taylor intermediary industry report after only 2 years in the retail market and were rated joint first in overall adviser satisfaction. They were also rated first for Best Underwriting and Best Call Centre.