This information has been prepared for use by advisers only. In no circumstances should it be provided to a client. It contains general information only and no individual's financial needs or objectives have been taken into account in the preparation of this material. If there is any inconsistency between this document and the Product Disclosure Statement or Policy Document, the terms of the Product Disclosure Statement and/or Policy Document will prevail to the extent of the inconsistency. A policy can only be effected after the completion of an Application Form. Prior to making any decision, clients should read the Product Disclosure Statement.