Please refer to the relevant Product Disclosure Statement for full details of these benefits and when they are payable. This advice (including the statements on taxation which are based on present taxation laws, rulings and their interpretation) has been prepared without considering your objectives, financial situation or needs. Before acting on it, consider its appropriateness to your circumstances. You should seek advice from your taxation adviser in relation to taxation matters. Life, Total and Permanent Disability(TPD), Trauma Cover, Income Protection, and Business Overheads form part of Tailored Protection. Tailored Protection by AIA Australia Limited ABN 79 004 837 861 AFSL 230043 (AIA Australia) and Colonial First State Investments Limited ABN 98 002 348 352 AFSL 232468 (CFSIL), the Trustee of the Colonial First State FirstChoice Superannuation Trust (FirstChoice Trust) ABN 26 458 298 557. AIA Australia is responsible for the administration Total Care Plan Super and provides insurance benefits to the fund as insurer. The Trustee is wholly owned subsidiaries of Commonwealth Bank of Australia ABN 48 123 123 124. AIA Australia is not part of the CBA Group of companies. CBA and its related entities do not sell, issue or guarantee the obligations or performance of AIA Australia and the Trustee or the products they offer. A Product Disclosure Statement (PDS) describing Tailored Protection is available online, from your Commonwealth Financial Planner or by calling 13 10 56 (from overseas, call +61 13 10 56) and should be considered in making any decision about these products. Commonwealth Financial Planners are representatives or authorised representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169 AFSL 231139, a wholly owned but non-guaranteed subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124.