Insurance issued by Insurance Australia Limited trading as CGU ABN 11 000 016 722, AFSL 227681 ('CGU'). In arranging this insurance Willis Australia Ltd ABN 90 000 321 237, AFSL No. 240600 ('Willis Towers Watson') acts under its own License and under an agreement with CGU. Willis Towers Watson receives commission from CGU on insurance products sold. Details can be found in our Financial Services Guide. This is general advice only and does not take into account your individual objectives, financial situation or needs ('personal circumstances'). A Product Disclosure Statement (PDS) for this product is available at cgu.com.au. You should consider the PDS and your personal circumstances before deciding whether to acquire or hold this product.