^{^Subject to policy terms, limitations and exceptions. People’s Choice Credit Union acts under its own Australian Financial Services Licence and under an agreement with the insurer Insurance Australia Limited trading as CGU Insurance (“CGU”), the issuer of the insurance products. The information provided is general advice only and does not take into account your objectives, financial situation or needs. You should consider the relevant Product Disclosure Statement (PDS) available at peopleschoicecu.com.au or from any People’s Choice Credit Union branch, and whether the insurance is appropriate for you before making a decision to acquire any insurance product. When you take out insurance, CGU pays us commission at rates which range from 0% - 40% of the base premium.  NSW permit LTPS/19/39599. ACT Permit No. TP19/04565. SA Permit No. TT19/1872.}