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Some words or expressions have special meaning. They normally begin with capital letters and their meaning is explained in the “Glossary” of the relevant PDS

The Product Disclosure Statement (PDS) and Financial Services Guide (FSG) are designed to help you decide if a product is right for you and to help you make an informed decision about whether to use the services we provide in relation to Real Life Insurance products.

Real Life Insurance products are issued by Hannover Life Re of Australasia Ltd ABN 37 062 395 484. It is distributed and promoted by Hollard Financial Services Pty Ltd (HFS) ABN 53 128 692 884, AFSL 343079 trading as Real Life Insurance, of Level 38, 2 Park St, Sydney NSW 2000. Advice on this website is general only and does not consider your individual objectives or financial situation. Terms and Conditions apply, please review the relevant PDS & FSG  to ensure these products are right for you.