LIFE INSURANCE – ESSENTIAL TO YOUR FINANCIAL SECURITY!

YouSelect - $10,000 FREE Complimentary Accident Benefit Life-Insurance Cover for 5 yrs:
PLUS 3 months FREE cover on all Loan Cover & Loan Cover Plus Life Policies with every YouSelect loan application!

It is absolutely essential that people taking on a mortgage consider their life insurance needs as most have a real and immediate need for cover.

Borrowers have an obligation to themselves and their family to do this and to do it now.

Your YouSelect Home Loans' consultant provides a special service that can help you meet your immediate needs whilst giving you time to consider your longer term needs – This service usually only takes 10 minutes and is simple, non intrusive and at no cost to you.

* THE IMPORTANCE OF LIFE INSURANCE

The unexpected does happen. Between the ages of 25 and 65:

- 1 in 8 people will die.
- 1 in 3 people will suffer a serious illness.

The financial consequences may be more serious when you have a mortgage.

Insurance can protect you and your family from being forced into selling your home or investment property.

The average Australian is 70% underinsured – insurance may be required to cover your mortgage and other debts as well as provide money to live on.

Our Top Product - LOAN COVER PLUS

Designed specifically for the needs of people applying for a mortgage.

Affordable and competitive premiums.

Convenient, quick and simple to apply – no medical exams required.

Includes - $10,000 Complimentary Accident Benefit.

3 months free cover, giving you:

- valuable protection at no cost.
- time to consider your cover further.

*** Meeting your needs
The product arranged by your loan consultant can be tailored to meet your particular needs after you have obtained it. You have the option at anytime to either:

retain the standard cover provided.

decrease the level of cover.

request an increase in the level of cover.

reduce the premiums to a level that better suits your finances.

cancel the insurance at any time.

Where not arranged by your loan consultant, you can also request the more comprehensive cover offered by Loan Cover Plus.

Our Absolutely FREE Product

The 5 year Complimentary Accident Benefit is free - no strings - no catches - just fill out the form and send it in at the same time as you are applying for a loan. Once again - there are no catches and there is no need to apply for any of the other insurance benefits offered.

In Summary

The first 3 months cover on Loan Cover or Loan Cover Plus is absolutely free. Again there are no catches – if you don't want to keep the insurance you have no obligation to continue with the cover as you can simply cancel it at anytime – importantly if you do so in the first 3 months you will never have to pay any premiums.

With free accidental death cover and a 3 month opportunity to fully consider whether life insurance should be part of your financial planning strategy – you have nothing to lose – and everything to gain.

Requests for increases in cover will be required to meet the Insurer's eligibility criteria. This material has been prepared by Australian Life Insurance Distribution Pty Ltd (AFSL 226 403). Any advice contained in this material has been prepared without taking account of your objectives, financial situation and needs. Before acting on this advice you should consider the appropriateness of the advice having regard to these matters. The life insurance cover is issued by Tower Australia Ltd. You should obtain a Product Disclosure Statement for Loan Cover and Loan Cover Plus from your YouSelect Home Loans' consultant and this should be considered in deciding whether to acquire, or to continue to hold, the products.

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