combined product disclosure statement and financial

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Cover-More Product Disclosure Statements (PDS) Download the policy documents (PDF format) for full details of the benefits and covered activities To choose the best plan for your trip be sure to read and understand the travel insurance benefits offered by each plan Once you select a plan get a quote online or call 1300 72 88 22 For policies issued on or after 20 September 2017 Premium Combined Product Disclosure Statement and Financial Services Guide Issued by Agile Underwriting Services Pty Limited ABN 48 607 908 243 — AFSL 483374 V20200323 Page 1 Table of contents Product Disclosure Statement (PDS) 2 Things you should know before you buy 6 Making a claim 8 POLICY WORDING Limits of what we cover 14 What we do and don't cover 16 Your benefits 17

Supplementary Product Disclosure Statement (SPDS)

Supplementary Product Disclosure Statement (SPDS) This document is an SPDS that updates and amends the MyCover Travel Insurance Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording) with the preparation date of 1 February 2017 (PDS) This SPDS is issued by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2

The Combined Financial Services Guide and Product Disclosure Statement includes information about: The services we are authorised to provide Our dispute resolution procedures Features and fees of the service Benefits and risks of using the service Other material information Download Combined Financial Services Guide and Product Disclosure Statement Go the extra mile by offering more

RACV Combined Financial Services Guide and Product Disclosure Statement with the preparation date of 11/18 This SPDS is issued by the insurer Tokio Marine Nichido ABN 80 000 438 291 This SPDS must be read together with the PDS that you are given which updates and amends the PDS The preparation date of this SPDS is 5 December 2018 Changes to the PDS Table of contents (page iv)

Combined Financial Services Guide and Product Disclosure Statement (PDS) effective 10 December 2014 The PDS is updated and amended as follows: In the Important Matters section the information under Your duty of disclosure on page 36 is replaced with: Before you enter into vary or extend an insurance contract you have a duty of disclosure under the Insurance Contracts Act 1984 When we

Combined Financial Services Guide and Product Disclosure Statement Product Disclosure Statement prepared on 27 August 2015 Insurer: ia Surety Company Inc (ARBN 080 339 957) Australian Financial Services Licence number 245579 This document is a combined Financial Services Guide and Product Disclosure Statement for Acer Care Accidental Damage Protection Insurance (Combined

Important things to know about Choice Income

Product Disclosure Statement Combined Financial Services Guide and Product Disclosure Statement 25 September 2019 Issued by AustralianSuper Pty Ltd ABN 94 006 457 987 AFSL 233788 Trustee of AustralianSuper ABN 65 714 394 898 USI STA0002AU 26/50 Lonsdale St MELBOURNE VIC 3000 2 More than 2 2 million Australians trust us to look after $167 billion * of their retirement

Combined FINANCIAL SERVICES GUIDE PRODUCT DISCLOSURE STATEMENT FINANCIAL SERVICES GUIDE The purpose of the Financial Services Guide ("FSG") is to provide you with important information about: • the services we offer you • how we and other entities are paid in relation to those services • any potential conflicts of interest we may have • our internal and external dispute

Combined Financial Services Guide and Product Disclosure Statement (PDS) effective 10 December 2014 The PDS is updated and amended as follows: In the Important Matters section the information under Your duty of disclosure on page 36 is replaced with: Before you enter into vary or extend an insurance contract you have a duty of disclosure under the Insurance Contracts Act 1984 When we

Combined Product Disclosure Statement and Financial Services Guide Lease Protection Insurance Lease Protection Insurance V010219 CIN Product Disclosure Statement—Lease Protection Insurance Contents Part A Product Disclosure Statement Introduction 1 Your Product Disclosure Statement (PDS) 1 Eric Insurance 1 Our agreement with you 1 No obligation to purchase 1 Our representatives

This combined Financial Services Guide (FSG) is designed to help you decide whether to use any of the services we provide Our Product Disclosure Statement (PDS) contains information you require to make a decision about whether or not to apply to use our Services Information relevant to both the FSG and PDS may be included in one part and incorporated by reference in the other Financial

Combined Product Disclosure Statement and Financial Services Guide The insurer of this product is Zurich Australian Insurance Limited (ZAIL) ABN 13 000 296 640 AFS Licence Number 232507 Effective 25 September 2019 2 Welcome This Product Disclosure Statement (PDS) includes important information about Your policy Please ensure that you read all sections of the brochure for full terms

Supplementary Product Disclosure Statement (SPDS) This document is an SPDS that updates and amends the Worldcare Combined FInancial Services Guide and Product Disclosure Statement (including Policy Wording) with the preparation date of 13 February 2019 (PDS) This SPDS is issued by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street

Disclosure Statement 1 A document given to a potential borrower by a lender stating all the terms of the loan This includes the interest rate the length of the loan and any applicable fees Lenders are required to provide disclosure statements See also: Truth in Lending Act 2 A document given to a potential IRA account holder stating all the

Product Disclosure Statements (PDS)

A Product Disclosure Statement (PDS) tells you what you are and are not covered for under a specific policy It highlights things such as insured events claim limits exclusions discounts benefits and information on how our claims process works It forms part of the issuing documents you receive when you purchase a policy

Combined Financial Services Guide (FSG) and Product Disclosure Statement (PDS) Issued by Paymate Pty Ltd ABN 42 154 594 199 Australian Financial Services Licence No 415833 This Combined FSG PDS is intended for distribution within Australia and New Zealand only The offer is only made to persons within Australia and New Zealand including those receiving this Combined

Combined Super is required to provide a product disclosure statement to ensure that each customers understands how their superannuation works Superannuation is a financial product and as a financial product is requires the statement of disclosure regarding the product Product disclosure statements are a standard for financial services products in Australia

Financial Statements Combined Disclosure Pack 2020 ROI contains the below Product Description Price Member price Financial Statements Disclosure Checklist 2020 ROI : This popular toolkit has been brought right up-to-date to encompass changes to Company Law and Accounting Standards and has been extended to include small companies and micro companies It is now published as a fully

Throughout this combined Financial Services Guide and Product Disclosure Statement your attention is drawn to Important information by the following icon: 2 AllClear Travel Insurance – PDS Part A Tower Bridge London opened 30th June 1894 is a combined bascule and suspension bridge which crosses the River Thames It has become one of the

Supplementary Product Disclosure Statement (SPDS) This document is an SPDS that updates and amends the Aussietravelcover Worldwide Travel Insurance Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording) with the preparation date of 10 February 2017 (PDS) This SPDS is issued by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850

This updated information relates to the content in the VicSuper Flexible Income Combined Financial Services Guide and Product Disclosure Statement (PDS) issued 1 July 2019 (the PDS) It should be read in conjunction with the PDS Updated investment information The following highlighted sections have been amended on page 24 of the PDS Socially Conscious investment option VicSuper's Socially

Supplementary Product Disclosure Statement (SPDS) This document is an SPDS that updates and amends the Worldcare Combined FInancial Services Guide and Product Disclosure Statement (including Policy Wording) with the preparation date of 13 February 2019 (PDS) This SPDS is issued by the insurer Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 of 2 Market Street

Disclosure Statement? This Combined Financial Services Guide and Product Disclosure Statement is an important legal document that contains details of Employsure Protect the Protection that is available to clients of Employsure Pty Ltd as Members of Employsure Mutual Limited The PDS is designed to help you understand what you need to know about Employsure Mutual and Employsure Protect so that