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This information is current as at date of publication and is subject to change.

ANZ Home Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Home Building Key Facts Sheet (PDF), ANZ Home Contents Key Facts Sheet (PDF), ANZ Home Insurance Target Market Determination (PDF), ANZ Home Insurance Premium, Excess and Discounts Guide (PDF) and the ANZ Home Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14), before deciding whether to acquire, or to continue to hold, this product.

ANZ Landlord Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Landlord Insurance Target Market Determination (PDF), ANZ Landlord Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Landlord Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

ANZ Life Insurance is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 distributed this product. We recommend that you read the ANZ Financial Services Guide (PDF), ANZ Life Insurance Product Disclosure Statement and Policy Document (PDF) (available online or by calling 13 16 14) before deciding whether to continue to hold this product. This PDS relates to policies issued from 1 June 2019. Previous products (with the same name) may have different features and benefits. If you hold insurance based on an earlier PDS, please contact us if you have any questions or to have a PDS sent to you.

ANZ Income Protection covers two separate financial products – Income Cover is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 and Involuntary Unemployment and Family Care Cover are issued by Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 distributed this product. We recommend that you read the  ANZ Financial Services Guide (PDF) and ANZ Income Protection Product Disclosure Statement and Policy Document (PDF) (available online or by calling 13 16 14) before deciding whether to continue to hold this product. This PDS relates to policies issued from 1 June 2019. Previous products (with the same name) may have different features and benefits. If you hold insurance based on an earlier PDS, please contact us if you have any questions or to have a PDS sent to you.

ANZ Recover Well is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 distributed this product. We recommend that you read the ANZ Financial Services Guide (PDF) and ANZ Recover Well Product Disclosure Statement and Policy Document (PDF) (available online or by calling 13 16 14) before deciding whether to continue to hold this product. This PDS relates to policies issued from 1 June 2019. Previous products (with the same name) may have different features and benefits. If you hold insurance based on an earlier PDS, please contact us if you have any questions or to have a PDS sent to you.

ANZ 50+ Life Cover is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 distributed this product. We recommend that you read the ANZ Financial Services Guide (PDF) and ANZ 50+ Life Cover Product Disclosure Statement and Policy Document (PDF) (available online or by calling 13 16 14) before deciding whether to continue to hold this product. This PDS relates to policies issued from 1 June 2019. Previous products (with the same name) may have different features and benefits. If you hold insurance based on an earlier PDS, please contact us if you have any questions or to have a PDS sent to you.

ANZ Accident Cover Plus is issued by Zurich Australia Limited ABN 92 000 010 195, AFSL 232510 (Zurich). Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 distributed this product. We recommend that you read the ANZ Financial Services Guide (PDF) and ANZ Accident Cover Plus Product Disclosure Statement and Policy Document (PDF) (available online or by calling 13 16 14) before deciding whether to continue to hold this product.

ANZ Car Insurance is issued by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and distributed by ANZ under its own license. ANZ recommends that you read the ANZ Financial Services Guide (PDF), ANZ Car Insurance Target Market Determination (PDF), ANZ Car Insurance Premium, Excess and Discounts Guide (PDF) and ANZ Car Insurance Product Disclosure Statement (PDF) (available online or by calling 13 16 14) before deciding whether to acquire, or to continue to hold, this product.

ANZ Home Loan Protection is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 distributed this product. We recommend that you read the ANZ Financial Services Guide (PDF) and the ANZ Home Loan Protection Product Disclosure Statement and Policy Document (PDF) (available online or by calling 13 16 14) before deciding whether to continue to hold this product.

ANZ Mortgage Protection is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 for the Life Benefit and QBE Insurance (Australia) Ltd (QBE) (ABN 78 003 191 035, AFSL 239 545) for the Disability Benefit and the Involuntary Unemployment Benefit. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 distributed this product. We recommend that you read the ANZ Financial Services Guide (PDF) and the ANZ Mortgage Protection Product Disclosure Statement and Policy Document (PDF) (available online or by calling 13 16 14) before deciding whether to continue to hold this product.

ANZ Loan Protection is issued by Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 for the Life Benefit and QBE for the Disability Benefit and the Involuntary Unemployment Benefit. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 distributed this product. We recommend that you read the ANZ Financial Services Guide (PDF) and the ANZ Loan Protection Product Disclosure Statement and Policy Document (PDF 3MB) (available online or by calling 13 16 14) before deciding whether to continue to hold this product. Please refer to the ANZ Loan Protection Product Disclosure Statement and Policy Document (PDF 3MB) for details of other events which may end your policy before the original term specified on your Policy Schedule.

ANZ Credit Card Insurance, ANZ CreditCover and ANZ Credit CoverPlus is issued by Zurich Australia Limited ABN 92 000 010 195, AFSL 232510 for Life Benefit, Accidental Death Benefit, Total and Permanent Disability Benefit and Critical Illness Benefit, and Zurich Australian Insurance Limited ABN 13 000 296 640 AFSL 232507 for the Disability Benefit, Involuntary Unemployment Benefit, Family Trauma Benefit and Inconvenience Benefit. Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522 distributed these products. We recommend that you read the ANZ Financial Services Guide (PDF) and the relevant Product Disclosure Statement and Policy Document (available online or by calling 13 16 14) for further information before deciding whether to continue to hold this product. This information is dated 1 December 2023 and may be subject to change.

ANZ has entered into a long-term strategic alliance agreement with Zurich. ANZ receives a commission of premiums from the sale of Zurich insurance products from Zurich in accordance with prescribed caps and clawback requirements.

Zurich Australia are committed to following the Life Insurance Code of Practice (the Code) and have adopted all of its requirements. The Code sets out the insurer’s obligations to consumers during all stages of the life insurance process including:

• when you buy a policy, make a claim or deal with Zurich;
• when Zurich deals with claims, complaints and requests for information;
• when Zurich helps you if you experience financial hardship or need extra support.

As a subscriber to the Code, Zurich make a number of key promises to consumers, including commitments to be honest, respectful and clear in all our interactions and communications. The Code also requires subscribers to be fair, timely, transparent and accountable when providing services. If you would like to find out more about the Code, a copy can be found on Zurich’s website (Life Insurance Code of Practice - Zurich Australia).

Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522, AFSL 234 527) is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). The issuers of these products are not Banks. Although ANZ distributes these products and except as described in the relevant PDS, ANZ does not stand behind or guarantee the issuers or the products.

This information is of a general nature and has been prepared without taking account of your personal objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs.

The ANZ App is provided by ANZ.  Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

Apple, the Apple logo, iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

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