Who is the Insurer?
St Andrew’s Life Insurance Pty Ltd (St Andrew’s) is the issuer of the real range of life insurance products. St Andrew’s opened its doors in Australia in 1998 and now has an Australia wide presence with offices in Western Australia, Victoria, New South Wales and Queensland. St Andrew’s is part of the HBOS Australia Group, whose UK based parent, HBOS plc, is one of the world’s largest financial services groups. With assets of around $1 trillion and 74,000 staff worldwide, HBOS plc has a significant presence in Europe, North America and Australia through HBOS Australia. Neither HBOS Australia or any members of the HBOSA Group of companies in Australia or overseas (other than the liability of St Andrew’s as insurer) guarantees or accepts liability in respect of the life insurance products offered.