These insurance products are provided by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. In arranging this insurance Community First Credit Union acts as an intermediary for the insurer of the particular insured product, not as your agent. When making decisions about our insurance, consider the Product Disclosure Statement and Target Market Determinations. A Product Disclosure Statement (PDS) for each product is available at our offices. We will give you a PDS on application, which you should read and consider in deciding whether to use any product. This is general advice only and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Before using this advice to decide whether to purchase this insurance policy, you should consider the appropriateness of it having regard to your personal circumstances, plus obtain and consider the current Product Disclosure Statement for the particular insurance policy.