You can either download the PDS (in PDF format), or read it in full below.

The Accidental Death Plan is promoted by InsuranceLine, a trading name of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 and insured by TAL Life Limited
ABN 70 050 109 450 AFSL 237848.


Note: For any Product Disclosure Statements (PDSs) previously issued by TOWER Australia Limited, from 1st June 2011, any reference to TOWER Australia Limited is to be replaced by TAL Life Limited.

Who can apply for the Accidental Death Plan?

You are guaranteed acceptance if you're aged 18 to 69 and a permanent Australian resident.

What is the definition of Accidental Death?

"Accidental Death" means death which directly and independently of any other cause, is the result of bodily injury caused directly and solely by sudden, violent, accidental, external and visible means and which occurs within 365 days of sustaining that injury.

What's not covered?

To keep the premiums as low as possible for as many people as possible, no benefit is payable upon death if it is the direct or indirect result of:

• undertaking a dangerous occupation*, such as underground miner or test pilot;
• participating in a dangerous pastime*, such as hang gliding or skydiving;
• actual or attempted intentional self-injury or suicide;
• taking intoxicating liquor or drugs;
• war (but not terrorism);
• the Life insured or Policy owner's participation in a criminal activity;
• any period of time spent in any country which the Australian government has at that time advised against all travel.

*Call 13 77 87 for a full list

When does my cover start?

Once your acceptance form has been processed or your policy completed over the phone, your cover begins immediately.

Who can I cover?

You can choose a plan that covers just you or includes your partner too.

How much does it cost?

With the Accidental Death Plan you can either choose the amount of cover that meets your needs or the premium that suits your budget.

For example, a female aged 18 to 50 can have $100,000 of cover for just $2.31 a week or, for just 99 cents a week have $42,900 of cover.

Similarly, a male aged 61 to 69 can have $100,000 of cover for $13.85 per week or, for just 99 cents a week have $7,150 of cover.

The table below shows just how little it costs for $100,000 cover. For the cost of other levels of cover, simply call InsuranceLine on 13 77 87.

Once covered, premiums do not go up just because you get older.

Cover for you and your partner

You can choose a plan that only covers you, or choose to include your partner. And because we understand that both of you provide such an important contribution to the family, we offer a 10% discount on your combined premium.

What's the cooling off period and what happens if I cancel my policy?

You get 30 days to make sure you are 100% happy with the policy. If not, simply return it for a full refund of any premiums paid! The Accidental Death Plan is not a savings plan, so if you cancel after the first 30 days you will not get anything back.

Will I get a discount if I pay my premiums annually?

Yes, if you pay annually you will be paying the equivalent of 11 months' premiums. You can pay annually by credit card, direct debit or cheque.

What happens if I stop paying my premiums?

The cover provided by the Accidental Death Plan will cease. You will be informed when your cover has ended. It is important to let InsuranceLine know immediately if you cannot pay a premium so that we can help work out an alternative arrangement.

Will my premiums ever increase?

Your premiums and cover remain level except when:

• Inflation protection applies, which means your cover increases each year until age 69 in line with the change in the CPI or 5%, whichever is greater with a corresponding premium increase;
• You increase cover or add a partner, then corresponding premium increases will apply;
• The underlying premium rates are changed. In this case you will never be singled out for a premium rate increase and any increase will be applied to all policies using the same table of rates, with 30 days notice.

Are my premiums tax deductible?

Generally, the premiums paid will not be tax deductible nor will the benefits be assessable for income tax purposes. The taxation information in this brochure is based on the continuation of present laws and their current interpretation and is a general statement only.

When does my cover stop?

As long as your premiums are paid when due, your cover will continue right up to the plan anniversary after you turn 70.

If at any time you have a dispute or complaint about your policy please contact the InsuranceLine Customer Service Centre in the first instance on 13 77 87 or in writing to Reply Paid 62, Carlton South VIC 3053. Should you wish to escalate your complaint please ask to speak to the Complaints Officer who will handle your matter personally. InsuranceLine will be acting on behalf of TAL in addressing any complaint relating to the policy.

If you feel your complaint is not resolved within 45 days of reporting it to InsuranceLine, you may refer your complaint to an external dispute resolution service - the Financial Ombudsman Service (FOS) - on 1300 780 808 or in writing to GPO Box 3, Melbourne, VIC 3001. To use this external free service you must have first used the above internal dispute resolution service.

If you have further questions on the Guaranteed Acceptance Form or on anything else about Accidental Death Plan, just give InsuranceLine a call on 13 77 87, 8am to 8pm (EST), and they will be pleased to answer them for you. Or you can write to InsuranceLine, Reply Paid 62, Carlton South VIC 3053, fax them on 1800 730 099 or email them to insuranceline@insuranceline.com.au

The information in this Product Disclosure Statement does not take into account your individual objectives, financial situation or needs. You should consider the appropriateness of this product having regard to your objectives, financial circumstances and needs.

The Accidental Death Plan is promoted by InsuranceLine, a trading name of TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260.

The Accidental Death Plan policy is insured by TAL Life Limited ABN 70 050 109 450 AFSL 237848.

The PDS is issued by TAL Life Limited. From time to time updates about this product will be published by TAL on the InsuranceLine website at www.insuranceline.com.au

This summary describes how the direct debit request system works. Upon issue of your policy, you will also receive a full copy of the Direct Debit Request Service Agreement - Terms and Conditions. You should read the Agreement carefully as it explains your rights and obligations relating to your ongoing direct debits.

When you complete your bank details and sign the authority, you are instructing the insurer to directly debit the appropriate premiums from your nominated account. Your authority will be kept confidential at all times.

If your premium cannot be paid (for example there's not enough money in your nominated account) your bank may dishonour that payment, in which case your policy may lapse and all cover cease.

If you have concerns about its operation or you subsequently need to change any aspects of the authority, please notify us.