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How to locate your policy documents 

To view the PDS and Enhancement Guides relevant to your policy, please select the date range from the list below that aligns to your policy risk commencement date.

  • You can find your policy risk commencement date on your policy schedule and renewal letters. 

Please note that, in some cases where your application for insurance was made immediately prior to the introduction of a revised PDS, the relevant PDS may depend on the date of your application. 


15 October 2012 –
30 September 2015

15 November 2010 –
14 October 2012

Important information

The Insurer and Issuer is Westpac Life Insurance Services Limited ABN 31 003 149 157 AFSL 233728 (WLISL), except for Term Life as Superannuation, Income Protection as Superannuation and Income Protection Assured as Superannuation, which are issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 (BTFM) as Trustee of the Retirement Wrap ABN 39 827 542 991. WLISL and BTFM are wholly owned subsidiaries of Westpac Banking Corporation ABN 33 007 457 141 AFSL 233714 (the Bank). The Bank does not guarantee the insurance. This information does not take into account your personal circumstances. Terms and conditions, and limitations and exclusions apply. Please read the Product Disclosure Statement to see if this insurance is right for you. This can be obtained by visiting or calling 1300 366 416.

A target market determination has been made for Protection Plans products. Please visit for any of our target market determinations.