Insurance

Synergy offers optional life insurance cover for Death and Total and Permanent Disablement as well as Salary Continuance insurance, through a group insurance pool. Your financial adviser can assist you in determining a suitable level of cover for your personal situation.

Synergy administered insurance policies are offered via group policies issued by Tower Australia Group Limited (ABN 70 050 109 450, AFSL No. 237848). Insurance cover offered under a group policy is only available to investors that acquire one of the following products:

• Synergy Retirement Service – Superannuation
• Synergy Investment Plus

TOWER Australia is an innovative and competitive provider of life insurance, risk, superannuation and retirement solutions. Their objective is to deliver the right products, services and information to its customers to help them make informed decisions about their risk and superannuation needs. It delivers these services efficiently to customers primarily through a network of independent advisers. By utilising the Tower group policy structure, Synergy is able to offer very competitive premiums to investors.

For more information on Synergy’s insurance offerings you can download the Synergy Insurance Protection Product Disclosure Statement here, or alternatively, call the Client Service Centre on 1800 245 636 .

Insurance cover is subject to terms and conditions set out in the Product Disclosure Statements and should not be assumed to have taken effect until you have been advised by Synergy in writing of acceptance by the insurer.

Important notice to investors in Galaxy Investment Wrap

From 1 July 2010, insurance cover is not available to Galaxy Investment Wrap investors. Insurance cover will continue as usual for those existing Galaxy investors who already have insurance as part of their Galaxy account as at 30 June 2010.