Under the Product Design & Distribution Obligations we have an obligation to make the Target Market Determinations (TMD’s) of insurers and product issuers available to our clients. These Design & Distribution Obligations are intended to help consumers obtain appropriate financial products and ensures that product issuers and distributors maintain a consumer centric approach to the design and distribution of financial products.
These documents are not a substitute for the product’s Terms and Conditions or other disclosure documents. Before making a decision to buy insurance, you should consider whether it is appropriate for your specific circumstances and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD). The TMDs can be found via the link below or by contacting us directly.