We take a consumer-centric approach to the design of insurance products to make sure that our products are suitable for the consumers who fall within the target market.  The insurance is distributed through licensed general insurance brokers who apply for cover on behalf of their customers in accordance with the applicable distribution conditions and eligibility criteria.

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The purpose of the TMD's is to describe the class of customers for which the Insurance has been designed and to specify distribution conditions including key eligibility criteria, which together ensure that the Insurance is likely to be consistent with the likely objectives, financial situation and needs of those customers.