Any advice is general advice only and has been prepared without taking account of your objectives, financial situation or needs. Before acting on the advice you should consider whether the advice is appropriate for you. Before you make any decision to acquire any product or service you should obtain and consider the relevant Product Disclosure Statement available at a branch or by calling 13 63 73. Terms, conditions, limits and exclusions apply. As an AFSL holder, we sell general insurance products under an agreement with Insurance Australia Limited ABN 11 000 016 722 trading as CGU Insurance. If you purchase insurance we will receive a commission that is a percentage of the premium. Ask us for more details before we provide you with any of these services. We act as a mere referrer for BUPA Australia Health Pty Ltd ABN 50 003 098 655 not as their agent in providing health insurance. We will receive a commission up to 3% for referring this insurance.