ahm Life Insurance and Income Protection Insurance

Useful documents

For policies purchased on or after 1 March 2024 that start with ‘AZ’.

Product Disclosure Statements

The Product Disclosure Statement provides detail on the key features, benefits, exclusions, terms and conditions of the relevant product.

For policies starting with ‘AZ’

Target Market Determination

Financial Services Guide

The Financial Services Guide contains information about who is providing you with the financial services. It explains the financial service offered, the fees charged and how we will deal with complaints.


Life Insurance Code of Practice

The Life Insurance Code of Practice is the life insurance industry’s commitment to customer service standards and it’s designed to protect you, the customer. To learn more, click here.(opens in a new tab)

Need help

Call us on 1300 867 125 between 8am – 8pm Monday to Friday (AEST).

For policies purchased between 1 July 2023 - 31 March 2024 and start with the ‘AL’, click here.

Things you should know

ahm Life Insurance and ahm Income Protection (collectively ahm life insurance) are issued by the insurer, Zurich Australia Limited ABN 92 000 010 195 AFSL 232510 (Zurich). NEOS Direct, a registered business name of NDLI Pty Ltd ABN 70 665 747 277 AFSL 547119 distributes and services ahm life insurance which is promoted by ahm health insurance (ahm), a business of Medibank Private Limited ABN 47 080 890 259. Medibank Private Limited is an authorised representative AR No. 286089 of NEOS Direct.

Any advice provided is general only and doesn’t consider your objectives, financial situation or needs. You should consider these factors, the appropriateness of the advice, and carefully read the relevant Product Disclosure Statement (which sets out the product terms, conditions and exclusions), Target Market Determination and Financial Services Guide before making a decision to acquire, or continue to hold, the product.

Your personal information will be handled in accordance with the Privacy Policies of the parties involved. Click here for NEOS Direct’s Privacy Policy(opens in a new tab), ahm’s Privacy Policy or Zurich’s Privacy Policy.(opens in a new tab)