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Disclosure Documents

Annual Capital Adequacy Reporting

To protect the interests of policy owners, APRA issues Prudential Standards with which life and general insurance companies must comply. These standards require a life or general insurer to maintain adequate capital against the risks associated with its activities.

The standards also require St Andrew’s to publish certain financial information about its capital position, as contained in the St Andrew's report and the Hallmark report.

Information for Personal Use

The information contained on our website is for your personal use only. You must not use or distribute the information for any public or commercial purpose. You may download information from the website for limited personal use but you must not infringe our intellectual property rights by modifying, amending, reproducing, republishing, adapting or distributing the information in any way. All copyright and the trademarks on our website are owned by us.

Website Content and Liability

While we use reasonable commercial endeavours, we do not warrant, guarantee or represent that the information on our websites is or will be free from errors or omissions or is suitable for your intended use. Subject to any terms implied by law and which cannot be excluded, we accept no responsibility for any loss, damage, cost or expense (whether direct or indirect) incurred by you as a result of any error, omission, statement, representation or opinion that the website may contain.

We do not guarantee that any files downloaded by you will be free of viruses, worms or other destructive programmes and accept no responsibility for any loss occasioned by you as a result of such a programme or download process. You are responsible for installing appropriate software and taking other measures in order to minimise any loss suffered as a result of a destructive programme.

Website Modifications

St Andrew’s has taken reasonable care in creating this website and will endeavour to keep it current. Accordingly, we reserve the right to modify this website at any time and without prior notice. You should always confirm that offers, rates, terms and conditions, information and all other notices on this website are still valid at later dates.

Security of Your Personal Information

We use reasonable commercial endeavours to ensure our website is secure and that your personal information is not accessed by an unauthorised third party. However, we accept no liability in the event a third party illegally obtains your information from our website. Please also refer to our Privacy Policy.

Information You Provide to Us

You agree that we may use any information you provide to us in accordance with our Privacy Policy. Please bear in mind that the internet is not yet a secure system. Any information that you may provide on the internet is at your own risk.

You agree that any information you provide to us is not misleading or deceptive, defamatory or owned by another person. You agree that the receipt, use or storage of your information will not expose us to any civil or criminal liability.

Links to Other Websites

This website may contain links to websites operated by third parties. Any such links are for your convenience only. St Andrew’s does not endorse or approve of these other websites or the information and materials on those websites; and accepts no responsibility or liability in any way for such linked websites.


The material on this website is copyrighted by St Andrew’s. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of this website may be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted in any form or by any means (including but not limited to electronic, mechanical, micro-copying, photocopying, recording, or otherwise) without prior written permission of St Andrew’s.

Our Liability and Your Indemnity

Subject to any liability implied by law which cannot be excluded, St Andrew’s is not liable to you or any person claiming through you for any losses, damages, liabilities, claims and expenses whatsoever arising directly or indirectly from this website, including from any of the information, materials or services provided on or through this website. Where liability cannot by law be excluded or reduced, St Andrew’s liability is limited, to the extent possible, to the supply of the services again, or the payment of the cost of having the services supplied again, or, if such re-supply is not practicable, then our maximum liability to you in $100 per incident (with all related events deemed to be the one incident).

You agree to indemnify and keep indemnified St Andrew’s and its directors, officers, employees, agents and consultants against any loss, liability, damage arising (whether in contract, tort, under statute or otherwise) and related costs and expenses (including legal costs on a solicitor own client basis) directly or indirectly, as a result of or in connection with your use of our website, or information or services contained on our website, and/or your breach of these terms and conditions or from any wrongful actions or omissions of you or any other person claiming through you.

Target Market Determinations

St Andrew's Target Market Determination's are available for the following products:

1. Credit Protection

2. Mortgage Protection