Summary
ClearView is an Australian financial services company providing life insurance, wealth management, and superannuation solutions to individuals and businesses.
Company Overview
Company Overview: ClearView
ClearView Wealth Limited is an Australian financial services group with a history dating back to 1895 (This is the generally accepted origin, though the company has evolved through mergers and acquisitions). The company operates across several key segments of the financial services industry, focusing on providing comprehensive solutions to meet the diverse needs of its clients.
Key Business Segments:
- Life Insurance: ClearView offers a range of life insurance products designed to provide financial protection to individuals and their families. These products typically include:
- Income Protection Insurance: Providing income replacement in the event of disability due to illness or injury.
- Life Insurance: Offering a lump sum payment upon death.
- Total and Permanent Disability (TPD) Insurance: Providing a lump sum payment in the event of total and permanent disability.
- Trauma Insurance: Paying a lump sum benefit upon the diagnosis of specific medical conditions.
- Wealth Management: ClearView provides wealth management services and solutions, which include:
- Financial planning and advice: Helping clients develop strategies to achieve their financial goals.
- Investment platforms and products: Offering a range of investment options to suit different risk profiles and objectives.
- Retirement planning: Assisting clients in planning for their retirement income and financial security.
- Superannuation: ClearView offers superannuation products and services to help individuals save for their retirement. This includes:
- Superannuation funds: Providing investment options within a superannuation structure.
Distribution:
ClearView distributes its products and services through a combination of channels:
- Financial Advisers: A key distribution channel, leveraging the expertise of financial professionals to provide tailored advice and solutions to clients. ClearView emphasizes its strong relationships with financial advisers.
- Direct Channels: Offering products and services directly to customers, often through online platforms and customer service centers.
Company Philosophy/Mission:
While pinning down one single "mission statement" can be tricky, ClearView emphasizes a commitment to:
- Providing quality financial advice: They highlight the importance of financial advisers in helping clients make informed decisions.
- Offering comprehensive and competitive products: Aiming to meet a wide range of customer needs with their insurance, wealth management, and superannuation offerings.
- Building long-term relationships: Focusing on strong partnerships with advisers and customers.
Key Strengths:
- Strong focus on the adviser channel: ClearView is recognized for its support of and relationships with financial advisers.
- Diversified product range: Offering a combination of life insurance, wealth management, and superannuation solutions.
- Customer-centric approach: A stated commitment to providing quality service and support to both advisers and clients.
Key Information
Key Information – ClearView
Insurer Name: ClearView Life Assurance Limited (part of ClearView Wealth Limited)
Year Established: ClearView Wealth Limited's origins can be traced back to 1895 (though the current structure has evolved)
Distribution Channel:
- Financial Advisers
- Direct to Consumer
Types of Cover Offered (Life Insurance):
- Life Insurance (Death Cover)
- Income Protection Insurance
- Total and Permanent Disability (TPD) Insurance
- Trauma Insurance
Premium Structures: (This can vary by product, so I'll provide general information and suggest checking specific product details)
- May include stepped premiums (increasing with age)
- May include level premiums (generally remain the same)
- Specific premium details are outlined in the relevant Product Disclosure Statement (PDS)
Underwriter: ClearView Life Assurance Limited
Application Process:
- Through a Financial Adviser: Typically involves a comprehensive financial needs analysis and advice process.
- Direct: May involve online applications or phone consultations.
- Medical requirements vary depending on the cover and sum insured.
Support Services:
- Customer service support for policy inquiries and administration.
- Claims support to assist policyholders with the claims process.
- Financial adviser support (a key focus for ClearView).
Financial Strength Rating: (Financial strength ratings can change, so it's crucial to provide the most current information. This information is usually available on the ClearView website or from independent rating agencies like Standard & Poor's or Moody's.)
- You will need to insert the most up-to-date financial strength ratings from a reputable source here.
Headquarters: Sydney, New South Wales, Australia
History and Milestones
Clearview - Company history and milestones
ClearView Wealth Limited has a long and evolving history in the Australian financial services sector. From its roots in the late 19th century to its position today, ClearView has adapted to the changing needs of Australians seeking financial security and wealth management.
- 1895 – Early Origins:
- ClearView's origins can be traced back to the establishment of companies involved in providing financial products, primarily focused on insurance. These early foundations served the growing need for financial protection in Australia.
- Early to Mid-20th Century – Growth and Evolution:
- The company experienced growth throughout the early and mid-20th century, adapting to economic changes and expanding its range of insurance products. This period involved various mergers and acquisitions that contributed to the company's expansion and diversification.
- Late 20th Century – Diversification and Modernization:
- In the latter part of the 20th century, ClearView strategically diversified its business to include wealth management and superannuation services, recognizing the increasing demand for comprehensive financial planning. The company also modernized its technology and distribution methods to improve efficiency and customer service.
- 21st Century – Focus on Integrated Solutions:
- ClearView solidified its position as a provider of integrated financial solutions, offering a combination of life insurance, wealth management, and superannuation products. The company emphasized the importance of financial advice and strengthened its relationships with financial advisers.
- Present Day – Strong Adviser Partnerships and Customer Focus:
- Today, ClearView Wealth Limited is a recognized participant in the Australian financial services industry. It continues to focus on providing quality products and services, with a strong commitment to supporting financial advisers and delivering positive outcomes for customers.
Key Strengths
ClearView Wealth Limited: Key Strengths
ClearView Wealth Limited's position in the Australian financial services market is underpinned by a combination of key strengths:
- Strong Focus on Financial Advisers:
- ClearView prioritizes its relationships with financial advisers, recognizing their crucial role in providing quality advice to clients.
- This includes a commitment to supporting advisers with comprehensive training, technology solutions, and dedicated support services, fostering effective partnerships.
- Integrated Financial Solutions:
- ClearView offers a diversified range of products and services, encompassing life insurance, wealth management, and superannuation.
- This integrated approach enables clients to access a broad suite of financial solutions from a single provider, facilitating holistic financial planning and management.
- Comprehensive Life Insurance Offering:
- ClearView provides a suite of life insurance products designed to meet diverse protection needs.
- This includes Income Protection, Life Insurance, TPD, and Trauma cover, offering clients a range of options to safeguard their financial well-being and protect their families.
- Commitment to Customer Service:
- ClearView emphasizes delivering high-quality service and support to both advisers and clients.
- This encompasses efficient processes, accessible communication channels, and a focus on building long-term relationships based on trust and reliability.
- Long-Term Experience and Stability:
- With a history spanning over a century, ClearView possesses significant experience in the financial services sector.
- This experience provides a foundation of stability and resilience, offering clients and partners confidence in the company's ability to navigate market challenges and deliver on its commitments.
Why Choose ClearView
✓ Comprehensive cover options
ClearView provides a diverse suite of life insurance products, encompassing Income Protection, Life, TPD, and Trauma cover, ensuring that customers can tailor their coverage to precisely match their individual needs and protect their financial future.
✓ Quality advice
Recognizing the importance of informed decision-making, ClearView emphasizes the value of professional financial advice, fostering strong relationships with financial advisers to guide customers through the complexities of life insurance and help them select the most suitable policy.
✓ Strong Income Protection Solutions
ClearView is known for its robust Income Protection offerings, which are specifically designed to provide a reliable and ongoing source of income replacement in the event of illness or injury, establishing a critical element of a comprehensive financial safety net.
✓ Integrated Financial Planning
As part of ClearView Wealth Limited, life insurance is offered within a broader context of wealth management and superannuation solutions, enabling a more integrated and holistic approach to financial planning and the potential for greater coordination across various financial products.
✓ Commitment to customer support
ClearView is dedicated to delivering efficient, responsive, and reliable customer service, providing assistance with policy inquiries, facilitating smooth claims processing, and offering ongoing support throughout the customer's journey, aiming to build strong and lasting relationships.
✓ Experience & stability
With a long-standing presence and a rich history in the Australian financial services sector, ClearView offers a foundation of proven experience and financial stability, providing customers with confidence in the company's ability to fulfill its commitments and provide long-term security.
Features and Benefits
Flexibility and customization
ClearView aims to offer flexibility in its policy design, allowing customers to customize their coverage with various options and riders. This could include choices in waiting periods, benefit periods, and additional cover types, enabling policyholders to create a plan that aligns with their specific circumstances and budget.
Agreed Value Income Protection
ClearView may offer Income Protection policies with an "agreed value" structure. This means the benefit amount is pre-agreed at the time of application, potentially providing greater certainty about the level of income replacement in the event of a claim.
Rehabilitation Support Services
ClearView's Income Protection may include comprehensive rehabilitation support services, designed to assist policyholders in their recovery and return to work. This can involve tailored programs, vocational training, and other forms of support.
Guaranteed Future insurability
Some ClearView Life Insurance policies may offer a "guaranteed future insurability" option. This feature allows policyholders to increase their coverage amount at specified future dates or events (e.g., marriage, birth of a child) without further medical underwriting, providing flexibility as their needs change.
Terminal illness benefit
ClearView Life Insurance policies typically include a terminal illness benefit, which provides an early payout of the life insurance sum insured if the policyholder is diagnosed with a terminal condition and has a limited life expectancy. This benefit can offer financial support during a critical time.
Financial planning tools
ClearView may provide access to online tools and resources that assist policyholders in their financial planning. This could include calculators, educational materials, or other resources to help customers understand their coverage and make informed financial decisions.
Cover Amount Ranges
ClearView - Cover Amount Ranges
The cover amounts available with ClearView Life Insurance vary depending on the specific type of cover and the individual product.
- Life Insurance (Death Cover):
- Cover amounts are designed to provide financial protection for beneficiaries in the event of the insured's death.
- ClearView offers a range of Life Cover options to accommodate different needs, from basic coverage to substantial financial protection.
- Specific limits and available amounts will be detailed in the Product Disclosure Statement (PDS) for each policy.
- Income Protection Insurance:
- Income Protection cover amounts are typically linked to a percentage of the insured's pre-disability income (e.g., 75% or 80%).
- The goal is to provide a replacement income stream to help the insured meet their ongoing financial obligations during a period of disability.
- Maximum benefit amounts and any income-based limitations will be specified in the relevant PDS.
- Total and Permanent Disability (TPD) Insurance:
- TPD cover amounts provide a lump sum benefit if the insured becomes totally and permanently disabled.
- Cover levels can vary, and may be influenced by factors such as the Life Cover amount (if held in conjunction) and the insured's occupation.
- Specific cover amount ranges and any limitations will be outlined in the PDS.
- Trauma Insurance:
- Trauma insurance provides a lump sum payment upon the diagnosis of a specified medical condition (e.g., heart attack, stroke).
- Cover amounts are designed to help with medical expenses, rehabilitation costs, and lifestyle adjustments following a traumatic event.
- Cover levels vary depending on the policy and the number/severity of conditions covered.
Important Considerations:
- Individual Needs: The appropriate cover amount is highly dependent on individual circumstances, including:
- Financial obligations (e.g., mortgage, debts)
- Dependents and family needs
- Income and lifestyle
- Future financial goals
- Product Variations: ClearView offers a range of life insurance products, and cover amount options can differ between them. Always refer to the specific PDS.
- Underwriting: The insurer's underwriting process may influence the available cover amounts based on factors such as age, health, and occupation.
- Financial Advice: Seeking advice from a qualified financial advisor can help individuals determine the most suitable cover amounts for their needs.
PDS is Key: For precise cover amount ranges and any specific limitations, it is essential to consult the relevant Product Disclosure Statement (PDS) for the ClearView Life Insurance product in question.
Special Promotions & Discounts
Life Insurance Compare Australia
Clearview does not currently have any special promotions with Life Insurance Compare, however you can use the comparison tool to compare Clearview Life Insurance policies with other providers.
Pros and cons of Clearview
| Pros | Cons |
|---|---|
| Flexibility in Cover Options: ClearView offers a range of life insurance products (Life, Income Protection, TPD, Trauma) with varying cover levels and policy structures, allowing customers to tailor their protection to individual needs and financial situations. | Complexity of Product Range: The variety of products and optional features can make it challenging for some customers to understand and choose the most suitable coverage without professional advice. |
| Strong Focus on Income Protection Features: ClearView is known for its Income Protection policies, which may include features like agreed value policies, partial disability benefits, and rehabilitation support, providing comprehensive income replacement and assistance for returning to work. | Strong Focus on Income Protection Features: ClearView is known for its Income Protection policies, which may include features like agreed value policies, partial disability benefits, and rehabilitation support, providing comprehensive income replacement and assistance for returning to work. |
| Availability of Optional Benefits: ClearView policies may offer optional benefits or riders, such as guaranteed future insurability or specific accident cover, allowing policyholders to enhance their coverage and customize their protection according to their evolving needs. | Underwriting Requirements: Like all life insurers, ClearView has underwriting requirements, and coverage may be denied or offered at higher premiums based on factors such as age, health, lifestyle, and occupation. |
| Terminal Illness Benefit Inclusion: ClearView Life Insurance policies typically include a terminal illness benefit, providing an early payout of the life insurance sum insured upon diagnosis of a terminal condition, offering financial support during a critical time. | Claims Process Considerations: While ClearView aims for efficient claims processing, the complexity of life insurance claims can sometimes lead to delays or disputes, requiring policyholders or beneficiaries to navigate documentation and procedures. |
| Integration with Wealth Management: ClearView's integration with wealth management and superannuation services can be advantageous for some customers, allowing for a coordinated approach to financial planning and potentially streamlined management of financial affairs. | Adviser Dependence: ClearView's emphasis on financial advisers, while a pro for some, might be seen as a con by customers who prefer direct, self-service options, as accessing some products or features may require engaging with an adviser. |
| Online Policy Management Tools: ClearView may provide online platforms or digital tools for policyholders to conveniently access and manage their policies, offering greater control and accessibility for tasks like viewing documents, updating details, and making payments. | Product Disclosure Complexity: Life insurance products, including those from ClearView, are governed by detailed Product Disclosure Statements (PDS), which can be lengthy and complex, requiring careful review to fully understand the terms and conditions. |
Sustainability and Corporate Responsibility
Clearview - Sustainability and Corporate Responsibility Overview
ClearView Wealth Limited is committed to operating as a responsible corporate citizen, with a focus on sustainability and ethical practices. Their approach centers on creating long-term value for stakeholders while minimizing negative impacts and contributing positively to the community.
ClearView corporate responsibility
- Community Engagement: ClearView demonstrates its commitment to the community through customer advocacy, particularly focusing on supporting customers experiencing vulnerability. The company has formalized this commitment through a dedicated Customers Experiencing Vulnerability Policy, outlining support mechanisms for customers in difficult circumstances. ClearView also acknowledges the Traditional Custodians of Country throughout Australia and pays respect to Elders past and present, extending this respect to all Aboriginal and Torres Strait Islander peoples.
- Ethical Business Practices: ClearView is dedicated to maintaining high ethical standards in all its operations. This commitment is underpinned by a comprehensive Code of Conduct, which applies to all employees, directors, contractors, and representatives. The Code emphasizes core values—Persistence, Collaboration, Integrity, and Authenticity—and provides detailed guidance on expected behavior, compliance obligations (including the Financial Accountability Regime), and ethical decision-making.
- Corporate Governance: ClearView adheres to a strong corporate governance framework, benchmarked against the ASX Corporate Governance Principles and Recommendations. This framework ensures accountability, transparency, and responsible management of the company.
ClearView environmental sustainability
- Carbon Neutrality: ClearView achieved Climate Active Carbon Neutral certification for its organizational operations for the financial year ending 30 June 2021. This demonstrates a commitment to reducing its environmental impact and contributing to broader efforts to address climate change.
- Modern Slavery: ClearView is committed to addressing modern slavery risks within its operations and supply chain. The company has implemented a zero-tolerance approach and has established due diligence processes to identify, assess, and mitigate these risks.
Technology and Innovation
ClearView - Technology & Innovation
ClearView is committed to using technology to enhance the insurance experience for both financial advisers and customers. Their approach focuses on digitisation, integration, and efficiency across the policy lifecycle — from application to claims.
Key Innovation Initiatives:
- Digital Adviser Platform (WealthFoundations & XPLAN Integration): ClearView supports adviser efficiency through seamless integration with platforms like IRESS XPLAN, allowing real-time data flow, smoother onboarding, and automated compliance documentation.
- E-Applications and Smart Underwriting Tools: Advisers and clients benefit from streamlined online applications, with dynamic forms that adjust based on applicant responses. This speeds up the underwriting process and reduces manual paperwork.
- Client Portal Access: Policyholders can access a secure online portal to view their policy details, download documents, and update personal information — improving transparency and control.
- Claims Processing Enhancements: ClearView uses digital claims submission and tracking to make the experience faster and less stressful. Supporting documents can be uploaded securely, and claims officers provide real-time updates.
- Data-Driven Risk Management: ClearView invests in data analytics to improve underwriting decisions, claims forecasting, and early intervention opportunities — particularly valuable for Income Protection and TPD claims.
- Cyber Security & Privacy Controls: Advanced digital security frameworks are in place to protect client data, complying with Australian privacy laws and APRA regulations.
Claims Process
Notify ClearView
Contact Clear View as soon as possible to inform them of your intent to lodge a claim. You can do this via phone, email, or through your financial adviser.
Receive Guidance
A dedicated claims consultant will be assigned to your case. They’ll explain the process, outline the documents required, and provide claim forms where necessary.
Complete claim forms
Fill out the claim forms provided. You may need to include supporting information such as identification, a death certificate (for life claims), or medical reports (for TPD, trauma, or income protection claims).
Submit supporting documents
Submit all requested documentation promptly. This might include financial details, proof of employment, or medical certificates, depending on the type of claim.
Assessment
ClearView will assess your claim thoroughly. During this process, they may contact you or your treating professionals for further information or clarification.
Decision and payment
Once a decision is made, you’ll be notified in writing. If approved, the benefit will be paid directly to you or your nominated beneficiary, depending on the type of cover and policy structure.
Pricing and Premiums
Clearview - Pricing and Premiums
ClearView offers fully underwritten life insurance policies tailored to your personal circumstances. As such, premiums are not fixed and vary significantly depending on individual risk factors and policy configurations.
How Premiums Are Calculated:
ClearView takes into account a range of factors when determining premiums, including:
- Age at application
- Gender
- Smoking status
- Occupation and income
- Medical history and current health
- Lifestyle factors (e.g. alcohol use, risky hobbies)
- Type and level of cover selected
- Premium structure (stepped or level)
Premium structure options:
- Stepped Premiums: Start lower and increase each year with age. Ideal for short-to-medium term affordability.
- Level Premiums: Higher upfront cost, but more stable over the long term. Helps manage premium increases in later years (available for policies issued prior to ClearView's product updates in recent years).
Typical cover amounts:
- Life Cover: $100,000 to $2 million+
- TPD and Trauma: Typically up to $1 million (subject to underwriting)
- Income Protection: Up to 75% of monthly income (based on financial eligibility)
Clearview - Pricing and Premiums
ClearView offers fully underwritten life insurance policies tailored to your personal circumstances. As such, premiums are not fixed and vary significantly depending on individual risk factors and policy configurations.
How Premiums Are Calculated:
ClearView takes into account a range of factors when determining premiums, including:
- Age at application
- Gender
- Smoking status
- Occupation and income
- Medical history and current health
- Lifestyle factors (e.g. alcohol use, risky hobbies)
- Type and level of cover selected
- Premium structure (stepped or level)
Premium Structure Options:
- Stepped Premiums: Start lower and increase each year with age. Ideal for short-to-medium term affordability.
- Level Premiums: Higher upfront cost, but more stable over the long term. Helps manage premium increases in later years (available for policies issued prior to ClearView's product updates in recent years).
Typical Cover Amounts:
- Life Cover: $100,000 to $2 million+
- TPD and Trauma: Typically up to $1 million (subject to underwriting)
- Income Protection: Up to 75% of monthly income (based on financial eligibility)
Sample Premium Estimates (Indicative Only):
These are approximate monthly premiums for non-smoking applicants (stepped premiums):Age: 35Gender: MaleLife cover: $500,000Monthly fee: $35
Age: 45Gender: MaleLife cover: $500,000Monthly fee: $65
Age: 55Gender: MaleLife cover: $500,000Monthly fee: $125
Age: 35Gender: FemaleLife cover: $500,000Monthly fee: $30
Age: 45Gender: FemaleLife cover: $500,000Monthly fee: $55
Age: 55Gender: FemaleLife cover: $500,000Monthly fee: $100
Note: These are estimates only. Actual premiums may vary depending on full underwriting results and selected cover options.
Discounts & Loadings:
- Multi-cover discounts: May apply when bundling life, TPD, trauma, and income protection under one policy.
- Health loadings: Additional premium may apply for higher-risk medical conditions, high BMI, or hazardous occupations.
- Policy fee: A small monthly policy fee may apply in addition to the base premium.
Payment Options:
- Fortnightly, monthly, or annually
- Premiums can be paid via direct debit or credit card
- Premiums may be waived temporarily under certain hardship or disability conditions (if eligible)
Product Disclosure Statement
ClearView - Product disclosure statement
ClearView ClearChoice and ClearView ClearChoice Super (PDS dated 13 May 2024)
- Purpose: ClearView ClearChoice is designed to provide a range of personal and business insurance covers to help with wealth protection needs. ClearView ClearChoice Super is for those wanting ClearView insurance within a superannuation environment.
- Benefits:
- Provides various cover options, including Life Cover, Accidental Death Cover, TPD Cover, Accidental TPD Cover, Trauma Cover, Child Cover, Income Protection Cover, Accidental Income Protection Cover, and Business Expense Cover.
- Offers financial support to individuals and businesses to manage the financial impact of specified life events.
- Eligibility:
- Eligibility conditions are detailed within the ClearView ClearChoice and ClearView ClearChoice Super PDS.
- Conditions for who can be a life insured are specified in the PDS.
- Key Features:
- Cover Costs: The PDS explains how the cost of cover is calculated.
- Payment Options: Benefits can be received as a lump sum or in installments (depending on the cover).
- Claims Process: The PDS outlines the claims process.
- Cooling-off Period: Not explicitly detailed in the provided general information, but information on changes to the policy is included.
- Important Information:
- Issued by ClearView Life Assurance Limited and HTFS Nominees Pty Limited.
- These are life risk insurance products.
Target Market Determination
ClearView - Target Market Determinations
ClearView ClearChoice Insurance Products
- Life and Accidental Death Cover
- Purpose: Designed for individuals needing a lump sum in the event of terminal illness (Life Cover) or death.
- Target Market: Individuals aged 18-75 (for variable age-stepped premium) or 18-55 (for variable premium), who meet eligibility criteria related to health, financial situation, occupation, and pastimes.
- Key Features: Variable age-stepped and variable premiums, linked and flexi-linked cover options.
- Exclusions/Limitations: Specific exclusions apply to causes of death. Cover ends at age 99.
- TPD and Accidental TPD Cover
- Purpose: Designed for individuals needing a lump sum in the event of Total and Permanent Disability.
- Target Market: Individuals aged 18-60 (variable age-stepped) or 18-55 (variable premium), who are employed or self-employed for 20+ hours a week, and meet other eligibility criteria.
- Key Features: Options for Own-Occupation, Any-Occupation, and Non-Occupational TPD, variable premium structures, linked covers, and SuperSolutions.
- Exclusions/Limitations: Cover changes at age 65, ceasing at age 70, with specific exclusions for disability causes.
Income Protection and Accidental Income Protection Cover
- Purpose: Provides income replacement in the event of disability due to sickness or injury.
- Target Market: Individuals who are employed or self-employed, meet income requirements, and are seeking to replace lost income.
- Key Features: Waiting periods, benefit periods, and various cover options.
- Exclusions/Limitations: Specific exclusions and limitations apply to the circumstances of disability.
- Business Expense Cover
- Purpose: Designed to cover fixed business expenses in the event of the insured person's disability.
- Target Market: Business owners who need to ensure continuation of their business.
- Key Features: Covers specific business expenses.
- Exclusions/Limitations: Cover ceases at age 65, with specific exclusions.
- Trauma Cover
- Purpose: Provides a lump sum upon the diagnosis of specified medical conditions.
- Target Market: Individuals seeking financial protection in case of a severe illness or injury.
- Key Features: Lump sum payment.
- Exclusions/Limitations: Cover ends at age 70, with exclusions and a qualifying period for certain conditions.
- Child Cover
- Purpose: Provides a lump sum if the insured's child is diagnosed with a specified condition.
- Purpose: Provides a lump sum if the insured's child is diagnosed with a specified condition.
- Target Market: Individuals with an existing adult cover with ClearView, insuring children aged 12 months to 18 years.
- Key Features: Lump sum benefit.
- Exclusions/Limitations: Cover ends when the child turns 21, with specific exclusions.
General Information for ClearView ClearChoice Insurance Products TMDs
- Each TMD outlines eligibility criteria, conditions where the cover may or may not be suitable, key features, and exclusions/limitations.
- The TMDs include distributor obligations, such as only distributing to customers in the target market, assisting with applications, and providing the PDS.
- Distributors must report complaints and significant dealings to ClearView.
- These TMDs are not Product Disclosure Statements (PDS) and do not provide financial advice. Consumers should refer to the relevant PDS.
ClearView ClearChoice Super Product
- Purpose: To provide insurance cover within a superannuation environment, funded by superannuation contributions or rollovers.
- Issuer: HTFS Nominees Pty Limited as trustee of the HUB24 Super Fund.
- Target Market: Individuals wanting insurance cover (Life, TPD, Income Protection) within super, who can fund premiums with superannuation, and understand the SIS condition of release.
- Excluded: Individuals seeking a superannuation product with an investment component, those wanting to fund premiums with employer contributions, or those not comfortable with SIS conditions of release.
- Key Features: Allows insurance premiums to be paid from a superannuation fund.
- Important Information: This TMD must be read alongside the ClearView ClearChoice cover TMDs.
Contact Details
ClearView Contact Details –
Company Name: ClearView Life Assurance Limited
Phone: 132 979
Claims: 132 979 (option 3)
Postal Address: ClearView, GPO Box 4232, Sydney NSW 2001 Operating Hours: Monday to Friday, 8:00 am to 6:00 pm AEST