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We can organise most types of Insurance coverage including Travel insurance
to protect your most valuable assets. By using United's insurance service we become
your one stop shop for personal financial products. Let United organise your insurance
and banking needs all in the same place, at the same time, without the run around.
Life Insurance
You insure your car but what about your life? United Credit Union can help arrange life
insurance for you through St Andrew's Life Insurance Pty Ltd.
Term Life Direct is a life insurance product which can provide an agreed lump sum benefit in
the event of your death. It provides cover from $3.10* a week with key features that include:
no medical examinations, some of the lowest premiums in Australia, lump sum benefit of up to
$500,000, up to $10,000 advance benefit, terminal illness cover at no extra cost, a 10%
partner discount.
For more information about Term Life Direct, or to apply for this product, please visit the
Term Life Direct website.
This website is intended to provide general information only and has been prepared without
taking into account your or any other person's objectives, financial situation or needs.
Before acting on this information, you should consider the appropriateness of it with regard
to your personal objectives, financial situation or needs. You may wish to obtain financial
advice specific to your situation before making a decision to apply for a policy.
Term Life Direct is issued by St Andrew's Life Insurance Pty Ltd (St Andrew's)
ABN 98 105 176 243, AFSL 281731. A Product Disclosure Statement (PDS) is available to
download for this product, or a hard copy can be obtained by calling 1300 658 151.
You should consider the PDS before making a decision about whether to acquire or continue
to hold a Term Life Direct policy. United Credit Union is providing information only and
not recommending or expressing an opinion about Term Life Direct. A Term Life Direct policy
does not represent a deposit with United Credit Union. United Credit Union does not
guarantee or accept liability in respect of Term Life Direct. Term Life Direct is not a
product of United Credit Union.
*A 39 year old male, non-smoker with a nominated benefit of $100,000 would pay around $13.40
per month.
Boat Insurance
It doesn't matter whether you own a runabout, a cruiser, or a racing yacht, United
can help arrange insurance designed to meet your particular needs through our preferred
provider Club Marine. We can give you quotes at the branch or over the phone and
you can feel secure knowing Club Marine is Australia’s largest pleasure craft
insurer.
Caravan Insurance
United utilises the experience of CIL Insurance (A Vero brand) to provide comprehensive
caravan insurance to members. Feel secure when travelling, or in between trips,
by arranging your caravan insurance through United.
Mortgage Indemnity Insurance for Strata
When you purchase a strata home the main building insurance is often arranged by
the Strata Body Corporate and paid from the Strata Levy Fees. However if you finance
your strata home purchase through United we will also require you to obtain Mortgage
Indemnity Insurance. This insurance protects United from any loss resulting from
damage or destruction of a Strata Title property should it be uninsured or underinsured
by the body corporate. If your Strata Body Corporate is structured such that each
owner purchases their own building insurance, United will only require you to obtain
suitable building insurance and not a Mortgage Indemnity Insurance for Strata policy.
Credit Protection Insurance
At United Credit Union, we can assist you to protect your finances against the unforeseen.
When you apply for a personal loan or mortgage you are not only increasing your
assets, you are also increasing your financial commitments and careful planning
is needed. However you can't plan for everything and the unexpected may happen.
Think for a moment what would happen if you had an accident that stopped you working,
or if you were suddenly to be made unemployed. Or even worse, were to die.
What would happen to you or your family's financial situation? How would you be
able to maintain your loan repayments and still maintain quality of life?
United is pleased to offer Credit Protection, an insurance policy specifically
designed to protect your loan in the event of the unforseen occurring.
Credit Protection can give you peace of mind. In the event of you being unable to
pay your loan repayments due to Accident or Sickness, or Involuntary Unemployment, your finances
are protected (up to the limits specified in the policy). You can then concentrate
on getting back on your feet or finding alternative employment. In the event of
your death the remaining balance of your loan is paid, reducing the financial burden upon your
estate and family in a trying time.
Talk to United about this protection when you apply for a new loan or call United
on 13 16 12.
Important Information:
INSURERS: St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL No.
239649 and St Andrew's Life Insurance Pty Ltd ABN 98 105 176 243 AFSL No. 281731
Terms and exclusions apply. This insurance is not compulsory and can be obtained from an insurer of your choice.
The information contained in this document is general and does not take into account
your individual needs, circumstances, objectives or financial situation. You may
wish to speak to an adviser authorised to provide advice tailored for your personal
situation before making a decision to purchase this insurance. This material should
be read in conjunction with the St Andrew's Product Disclosure Statement (PDS) which
is available from your local United office. You should consider the PDS before making
a decision to purchase this policy.
The information supplied is indicative only and is not an offer to lend or a formal
disclosure statement. Applications are subject to normal eligibility guidelines.
You should read the PDS, available at any United office, to determine if you are
eligible.
Building, Contents, Caravan, Motor, Landlord, Travel and Mortgage Indemnity for
Strata Insurance is issued by Vero Insurance Limited ABN 48 005 297 807, AFS Licence
No. 230859.
Home policy booklet & PDS
Motor Vehicle policy booklet & PDS
Boat Insurance is issued by Club Marine Limited ABN 12 007 588 347, AFS Licence
No. 236916. This information should be read in conjunction with United Credit
Union’s Financial Services Guide (FSG) and the insurance supplier’s
Product Disclosure Statement (PDS) which is available from any United branch or
by calling United on 13 16 12. You should consider this PDS before making a decision
to purchase or hold this policy.
United does not guarantee the benefits payable under the insurance. United may receive
a commission for the insurance arranged as outlined in United’s Financial
Services Guide. The insurers are responsible for meeting all claims. The insurers
reserve the right not to accept certain proposals and the right to issue the policy
subject to certain exclusions, conditions and limitations.
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