People's Choice Credit Union, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125 AFSL 244310 acts under its own Australian Financial Services Licence and under an agreement with the insurer CGU Insurance Limited ABN 27 004 478 371 AFSL 238291 (CGU). When you take out a policy with us, CGU pay commission at rates which range from 0% - 40% of the base premium. This information is general advice and does not take into account your individual objectives, financial situation or needs ("your personal circumstances"). Please consider the relevant Product Disclosure Statement (PDS) and your personal circumstances before deciding whether a product is right for you. PDS available from any People's Choice Credit Union branch or by visiting www.peopleschoicecu.com.au