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Insurance issued by Guild Insurance Ltd, ABN 55 004 538 863, AFSL 233791. This information contains general advice only and does not take into account what you currently have, want and need for your personal circumstances. It is important for you to consider these matters and read the policy, Product Disclosure Statement (PDS) or Target Market Determination (TMD) before you make a decision about an insurance product. Subject to underwriting approval. Terms and Conditions apply (including exclusions and limitations). You can get a copy of the PDS by calling 1800 810 213