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The information on this website is general only and has been prepared without taking into account your objectives, financial situation or needs. Therefore, before acting on any information on this website you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. Product Disclosure Statements (PDS) and Target Market Determinations (TMD) are available for the products described on this website. You should obtain and consider the PDS and TMD relevant to the product you are interested in before making any decision about whether to acquire or continue to hold the product as it contains important information about the product, who issues the product, its key features, benefits, and exclusions. You can obtain a copy of the PDS and TMD for each product at the forms page on this website or by calling us on 13 65 25. Nippon Life Insurance Australia and New Zealand Limited (NLIANZ) ABN 90 000 000 402, AFSL No 230694 is trading as Acenda (the Insurer). Acenda is a registered trademark of NLIANZ and is also used under licence by its related body corporate Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No 233671 (Resolution Life) for the Lifestream Guaranteed Income product issued by Resolution Life. NLIANZ and Resolution Life are both Nippon Life companies and part of the Acenda Group. Copyright Acenda. All rights reserved.