Joined in 2023 
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We will have clearly documented sales rules to ensure our salespeople and Authorised representatives sell our policies in accordance with the law and do not use unacceptable sales practices such as Pressure Selling.
If we need to interview you more than once, before the second or any later interview, we will offer to give you a copy of the summary or recording of your previous interview, if one is available.Substances such as nutrients, food additives, pesticides, medications, air pollutants, alcohol and hormones are transformed from being fat-soluble to water-soluble, allowing them to be more easily excreted from the body. In this Appendix B we also refer you to certain parts of the Life Code containing more detailed information which you may wish to read. But External Dispute Resolution Bodies, such as the Australian Financial Complaints Authority, may consider if we have met our obligations under the Life Code when they Determine disputes. With exciting savings of up to 80% across thousands of bestsellers including the pack ‘n’ go collapsible shelves and heated hair straightening brush, you’ll be living your best life for less.
a) Genetic Testing has the potential to play an important role in informing people about their health and enabling them to manage their health risks through preventative actions and personalised medicine. To get the most benefit from your Lifecode Gx® test we recommend that you work with a registered health professional who is experienced in the use of nutrigenomics testing.
a) The overriding principle is that for all applications, regardless of the amount of Cover and any other clause in the Moratorium, we can ask you to disclose, and use as part of our Underwriting process, any diagnosis of a condition, even if the diagnosis resulted directly or indirectly from a Genetic Test.
By understanding the meaning of your life code number, you can begin to make positive changes in your life.If you tell us, or we identify, that you need extra support to access our services due to vulnerability, we will work with you to find a suitable, sensitive, and compassionate option. We will ensure our staff and Authorised representatives use appropriate sales and retention practices. Unless otherwise agreed with the trustee that we will give our final decision to you, we will give our final decision in writing to the superannuation fund trustee so that they can give it to you.
If we accept an income-related claim and offer you a lump sum settlement instead of future income payments, we will suggest that you obtain independent financial and legal advice before you make a decision. The course content was created by Brigham Young University and has been taught there successfully for several years. It reveals who you are, what your life purpose is, and what challenges you will face in this lifetime.Thyroid hormones control the metabolism of almost every cell in the body, with wide-ranging metabolic, developmental and cardiovascular effects. By finding your life code number, you can get a better understanding of who you are and what your life purpose is. b) take into account your circumstances such as the history, severity, or type of condition when deciding whether we can offer you cover. The Life Insurance Code Compliance Committee (Life CCC) independently monitors the Code to ensure life insurance companies are meeting their obligations, and achieving service standards consumers can trust.
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