Terms of Use

The purpose of this site is solely to provide general information on Life Protector, their related bodies corporate and the services they provide. Full details of products and services on this site can be obtained by contacting Life Protector.

This site is not designed for the purpose of providing financial or investment advice. It is not a recommendation or offer to take up policies, securities, other investments or financial services or products.

The material on this site and your use of the site are governed by the laws in force in the State of New South Wales, Australia and by these Terms of Use.

Products and services

Applications for any of the products or services referred to on this site can only be made in conjunction with a current Product Disclosure Statement (PDS). Applications will only be accepted from residents of Australia and will not be accepted from any person who is a resident of another country.


Life Protector reserves the right to vary the material, information or publication on this web site without notice.
The website contains general information only and is not intended to provide you with advice or take into account your objectives, financial situation or needs. You should consider whether the information is suitable for your circumstances and we recommend that you seek professional advice.
Life Protector provides links to external companies/organisations and information. In providing such links, Life Protector does not accept responsibility for, or endorse the content or condition of, any linked site.
Life Protector accepts no liability or responsibility for any loss or damage whatsoever suffered as a result of direct or indirect use or application of any material, publication or information made accessible via its website.
While Life Protector has used all reasonable endeavours to ensure the information on this site is as accurate as possible, it gives no warranty or guarantee that the material or information made accessible is accurate, complete, current, or fit for any use whatsoever. No reliance should be made by a user of the material, information or publication accessed via this site.

Links to other websites

The Life Protector website may contain links to other websites operated by third parties (Third Party Websites). These third parties are not members of Life Protector. These links are provided for your convenience. Life Protector does not endorse, approve of, control or take responsibility for Third Party Website operators or the information, graphics and material on those Third Party Websites.

You are not authorised to establish a link to this Life Protector website without our prior written permission.


Material on this website may contain general information about Life Protector, financial services and products. While every effort is made to ensure the information is free from error and as accurate as possible, Life Protector can make any warranty on information contained on the site. To the fullest extent permissible by law Life Protector :

  • disclaim all liability (including without limitation, in contract, statute and/or tort (including negligence) arising out of or in connection with any access to the information or use of the information available on this site, and
  • disclaim any liability for any direct, indirect, incidental, consequential or special damage or loss in connection with the access to, use of, or reliance on this site.


Images of people, places or projects displayed on this website are either the property of, or are used with permission by Life Protector.
The website and its contents are the copyrighted material of Life Protector. You are permitted to use this website for personal purposes only. No reproduction of content is permitted.


All information on this site, relating to products or services, advertising or other material is intended only for people within Australia. No agreement will be entered into with any person who resides outside Australia.


These Terms of Use (and the agreement constituted by your use of the information, graphics and materials on the Life Protector website) and your access to the Life Protector website may be terminated at any time by Life Protector without notice.

Acceptance and changes to Terms of Use

You acknowledge that your use of the Life Protector website indicates your acceptance of these Terms of Use. These Terms of Use may be replaced or varied by Life Protector at any time.

Life Protector reserves any rights not expressly granted in these Terms of Use.