Insurance policies are issued by CUMIS Insurance Society Inc. ABN 72 000 562 121 AFSL 245491 (Incorporated in the United States. The members of the Society have no liability.) trading as CUNA Mutual General Insurance, and CUNA Mutual Life Australia Limited ABN 83 089 981 073 AFSL 245492.  Australian Defence Credit Union Limited ABN No. 48 087 649 741, AFSL No. 237988, acts as agent for the insurer (Ph: 02 9295 5555) and receives commission on insurance sales of up to 20% of the premium.  Before making a decision about your insurance needs please refer to the Product Disclosure Statement available from Australian Defence Credit Union (Ph: 1300 13 23 28).  Any advice on our website has not considered your objectives, financial situation or needs, which you should consider before acting on our recommendations.