Insurance disclaimer and important notes

This insurance is co-issued by OnePath General Insurance Pty Limited ABN 56 072 892 365 AFSL 288160 (OnePath GI) and QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE). OnePath GI is a subsidiary of Australia and New Zealand Banking Group Limited (ANZ). ANZ, an authorised deposit taking institution (ADI) under the Banking Act 1959, does not stand behind the issuer. The issuer is not an ADI and this insurance is neither a deposit nor liability of ANZ or any member of the ANZ Group, other than OnePath GI. ANZ recommends that you read the ANZ Financial Services Guide and the relevant Product Disclosure Statement for further information about its association with the issuer, any benefits that it may receive and other important information before deciding whether to acquire or hold this product.

ANZ Deposit Bond is guaranteed by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE) and managed by Deposit Underwriters Pty Limited ABN 18 090 935 765 (Deposit Underwriters). In arranging this bond, ANZ is acting under an authority given to it by QBE and in doing so is acting on behalf of QBE and not as your agent. Deposit Underwriters, ANZ and its related corporations do not accept any liability for, nor guarantee the payment of any claim or benefit in respect of ANZ Deposit Bond. ANZ receives a commission from QBE.

This insurance is co-issued by OnePath Life Limited ABN 33 009 657 176, AFSL 238341 (OnePath Life) and QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE). OnePath Life is a subsidiary of Australia and New Zealand Banking Group Limited (ANZ). ANZ, an authorised deposit taking institution (ADI) under the Banking Act 1959, does not stand behind the issuer.  The issuer is not an ADI and this insurance is neither a deposit nor liability of ANZ or any member of the ANZ Group, other than OnePath Life. ANZ recommends that you read the ANZ Financial Services Guide and the relevant Product Disclosure Statement for further information about its association with the issuer, any benefits that it may receive and other important information before deciding whether to acquire or hold this product.

ANZ Health Insurance is issued by BUPA Australia Health Pty Limited. ABN 50 003 098 655 (BUPA Australia). A Registered Health Benefits Organisation. In arranging this insurance, ANZ is acting under an authority given to it by BUPA Australia Health and not as your agent. ANZ and OnePath Australia Limited ABN 60 000 000 779 (OnePath) and their related corporations do not accept any liability for, nor guarantees the payment of any claim or benefit in respect of this insurance.

ANZ Farm Insurance is issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE). In arranging this insurance ANZ is acting under authority given to it by QBE, and in doing so is acting on behalf of QBE and not as your agent. ANZ and it's related corporations does not accept any liability in respect of this insurance or guarantee the payment of any claim or benefit. ANZ receives a commission from the issuers but is not acting as your agent.

ANZ Business Insurance is issued by QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE). In arranging this insurance, ANZ is acting under an authority given to it by QBE, and in doing so is acting on behalf of QBE and not as your agent. ANZ and its related corporations, does not accept any liability for, or guarantee benefits in respect of this insurance. ANZ receives a commission from QBE Insurance.

This insurance is co-issued by OnePath General Insurance Pty Limited ABN 56 072 892 365 AFSL 288160 (OnePath GI) and QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE). OnePath GI is a subsidiary of Australia and New Zealand Banking Group Limited (ANZ). ANZ, an authorised deposit taking institution (ADI) under the Banking Act 1959, does not stand behind the issuer. The issuer is not an ADI and this insurance is neither a deposit nor liability of ANZ or any member of the ANZ Group, other than OnePath GI. ANZ recommends that you read the ANZ Financial Services Guide and the relevant Product Disclosure Statement for further information about its association with the issuer, any benefits that it may receive and other important information before deciding whether to acquire or hold this product.

This insurance is co-issued by OnePath General Insurance Pty Limited ABN 56 072 892 365 AFSL 288160 (OnePath GI) and QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE).  OnePath GI is a subsidiary of Australia and New Zealand Banking Group Limited (ANZ).  ANZ, an authorised deposit taking institution (ADI) under the Banking Act 1959, does not stand behind the issuer.  The issuer is not an ADI and this insurance is neither a deposit nor liability of ANZ or any member of the ANZ Group, other than OnePath GI.  ANZ recommends that you read the ANZ Financial Services Guide and the relevant Product Disclosure Statement for further information about its association with the issuer, any benefits that it may receive and other important information before deciding whether to acquire or hold this product.

This insurance is co-issued by OnePath General Insurance Pty Limited ABN 56 072 892 365 AFSL 288160 (OnePath GI) and QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE). OnePath GI is a subsidiary of Australia and New Zealand Banking Group Limited (ANZ). ANZ, an authorised deposit taking institution (ADI) under the Banking Act 1959, does not stand behind the issuer. The issuer is not an ADI and this insurance is neither a deposit nor liability of ANZ or any member of the ANZ Group, other than OnePath GI. ANZ recommends that you read the ANZ Financial Services Guide and the relevant Product Disclosure Statement for further information about its association with the issuer, any benefits that it may receive and other important information before deciding whether to acquire or hold this product.

This insurance is issued by OnePath Life Limited ABN 33 009 657 176, AFSL 238341 (OnePath Life) or by OnePath General Insurance Pty Limited ABN 56 072 892 365 AFSL 288160 (OnePath GI). OnePath Life and OnePath GI are subsidiaries of Australia and New Zealand Banking Group Limited (ANZ). ANZ, an authorised deposit taking institution (ADI) under the Banking Act 1959, does not stand behind the issuer. The issuers are not an ADI and this insurance is neither a deposit nor liability of ANZ or any member of the ANZ Group, other than the relevant issuer. ANZ recommends that you read the ANZ Financial Services Guide and the relevant Product Disclosure Statement for further information about its association with the issuer and any benefits that it may receive and other important information before deciding whether to acquire or hold this product.

This insurance is co-issued by OnePath Life Limited ABN 33 009 657 176, AFSL 238341 (OnePath Life) and QBE Insurance (Australia) Limited ABN 78 003 191 035 AFSL 239545 (QBE). OnePath Life is a subsidiary of Australia and New Zealand Banking Group Limited (ANZ). ANZ, an authorised deposit taking institution (ADI) under the Banking Act 1959, does not stand behind the issuer.  The issuer is not an ADI and this insurance is neither a deposit nor liability of ANZ or any member of the ANZ Group, other than OnePath Life. ANZ recommends that you read the ANZ Financial Services Guide and the relevant Product Disclosure Statement for further information about its association with the issuer, any benefits that it may receive and other important information before deciding whether to acquire or hold this product.