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*Engaged Marketing, 2011-2012 'Property and Motor Customer Recommendation and Loyalty Study'. Underwriting criteria applies. Australian Pensioners Insurance Agency Pty Ltd (Apia) ABN 14 099 650 996 AR 239591 is an authorised representative of Australian Alliance Insurance Company Ltd (AAI) ABN 11 006 471 709 AFS Licence No. 235011, the  issuer of Home, Landlord, Car, Caravan, Motorhome, Boat  and Travel Insurance. Before purchase, consider the PDS on this website. Apia is also an authorised representative of (a)  Suncorp Life & Superannuation Limited (SLSL) ABN 87 073 979 530 AFSL 229880, the issuer of Funeral and Injury Insurance and (b)  GIO General Limited (GIO) ABN 22 002 861 583  AFSL No. 229873, the issuer of Compulsory Third Party Personal Injury (CTP) Insurance. Apia, AAI , SLSL and GIO are members of the Suncorp Group of companies.

Financial product advice is provided by representatives of Standard Pacific Consulting Limited ABN 84 003 315 802 AFSL 237635 trading as Apia Financial Advice ("Apia Financial Advice”).Australian Pensioners Insurance Agency Pty Limited (' Apia') does not provide any financial advice or services in respect of Apia Financial Advice.  Apia does not issue or guarantee any product nor is responsible for any advice provided by Apia Financial Advice. This advice has been prepared without taking into account your personal objectives, financial situation or needs. You should consider your own personal circumstances in considering whether this advice is appropriate for you. Where reference is made a financial product, you should consider the Product Disclosure Statement, available from your financial adviser or the product issuer.