Financial Services Guide (FSG)

This Financial Services Guide (FSG) is an important document designed to assist you in deciding whether to use the financial services offered by Insureyou Advisory before you receive any advice or purchase a financial product.

1. About This Guide

This FSG contains information about:

Who we are and how you can contact us

The financial services and products we are authorized to provide under our Australian Financial Services Licence (AFSL)

How we, our advisers, and other relevant parties are remunerated

Any potential conflicts of interest

How we handle complaints and protect your privacy

2. Who Holds the Licence?

The financial services described in this guide are provided by:

Sustainable Life Solutions Pty Ltd trading as Insureyou Advisory

ABN: 66 655 297 886

AFSL: 536966

Registered Address: 12/42 King Street, Airport West VIC 3042

Phone: 03 7058 0114

Email: protect@insureyouadvisory.com.au

Website: www.insureyouadvisory.com.au

As an Australian Financial Services Licensee, Sustainable Life Solutions Pty Ltd is responsible for the financial services provided to you, including any advice given by our authorized representatives.

3. Financial Services & Products We Provide

Insureyou Advisory is authorized under AFSL 536966 to provide general and personal financial product advice, as well as deal in the following risk protection products:

Life Risk Insurance Products: Term Life Insurance, Total & Permanent Disability (TPD) Insurance, Trauma / Critical Illness Cover, and Income Protection Insurance.

Superannuation Risk Products: Life and TPD Insurance structured and funded within Superannuation funds.

4. General Advice Warning

Important Note: Any financial advice provided on our website, through digital tools, or in initial strategy communications is General Advice only. It does not take into account your individual financial objectives, personal situation, or specific needs.

Before acting on any advice or selecting an insurance product, you should consider the appropriateness of the advice having regard to your personal objectives, financial situation, and needs. You should also obtain and carefully review the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) issued by the insurer before making any decision.

5. How We Are Remunerated ($0 Out-of-Pocket Cost to You)

We do not charge you a fee for our initial comparison, consultation, or setup services.

Insurer CommissionsIf you decide to apply for and implement an insurance policy through Insureyou Advisory, the selected product issuer (the insurance company) pays us a standard industry commission. This commission is factored into the insurer’s standard product pricing and does not increase the cost of your premium.

Initial Commission: Ranging from 0% to 60% (plus GST) of the first year’s premium, paid by the insurer upon policy commencement.

Ongoing Commission: Ranging from 0% to 20% (plus GST) of the annual premium for each year the policy remains active, paid by the insurer to cover ongoing policy maintenance and service support.

6. Relationships & Potential Conflicts of Interest

Sustainable Life Solutions Pty Ltd is an independent advisory business. We are not owned by, nor are we a subsidiary of, any single bank or life insurance institution. We compare and recommend products from a range of ASIC-regulated Australian life insurers (including AIA, TAL, Zurich, MLC, ClearView, OnePath, and NEOS).

All advisers employed by Insureyou Advisory are paid a base salary and may receive performance bonuses based on service quality, compliance adherence, and overall business performance.

7. How We Protect Your Privacy

We handle your personal information in strict accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

The information collected during your intake survey or strategy call is used solely to evaluate your cover options, communicate with you regarding your inquiry, and fulfill legal requirements. We will never sell or rent your personal data to third-party marketing companies.

8. Complaints & Dispute Resolution

We are committed to providing high-quality financial services. If you have a complaint about our services, please follow these steps:

Contact Us First: Email protect@insureyouadvisory.com.au or call 03 7058 0114. Provide details of your concern, and we will acknowledge your complaint within 24 hours and aim to resolve it within 30 days.

External Dispute Resolution: If you are unsatisfied with our final response, you have the right to refer your matter to the Australian Financial Complaints Authority (AFCA):

Website: www.afca.org.au

Email: info@afca.org.au

Phone: 1800 931 678

Postal Address: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

AFCA provides fair and independent financial services complaint resolution that is free to consumers.