Insurance issued by Insurance Australia Limited ABN 11 000 016 772 AFSL 227681 trading as CGU Insurance. In arranging this insurance Defence Bank Limited (Defence Bank) acts under its own AFSL and under an agreement with the insurer. Defence Bank receives commission when selling CGU insurance products. Please refer to Defence Bank’s Financial Services Guide (FSG) for details of these commissions. The relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) should be referred to when making a decision to acquire any insurance product. The FSG and relevant PDS and TMD are available by calling 1800 033 139 or visiting any Defence Bank Branch. The information contained in this brochure is general advice only as it has not taken into account you financial situation, objectives or needs.