Financial Services Guide (FSG)
Version 10 | Dated 13 May 2024
Authorised Representative: Torben Steen Andersen (AR No. 1244847)
Issued by: Consilium Advice Australia Pty Ltd, ABN 90 088 128 170, AFSL 246623
This Financial Services Guide sets out the financial services provided to you by Consilium Advice Australia Pty Ltd and its representatives: the services we are authorised to provide, how we are paid, our compensation arrangements, and what to do if you have a complaint. You should read it before we provide you with any financial service.
We provide general advice only. We do not consider your personal financial circumstances, needs or objectives, so you will need to decide whether a product is right for you - the Product Disclosure Statement (PDS) for each product will help you do that.
Key facts from this guide
- Who issues this guide
- The Financial Services Guide is issued by Consilium Advice Australia Pty Ltd, ABN 90 088 128 170, AFSL 246623. Insure Me For Life (Torben Steen Andersen) is an authorised representative of Consilium, AR number 1244847.
- How we are paid
When you purchase the Insurance Product the insurance company may pay the licensee 0% to 60% (ex GST) of the first year's premium and then ongoing trailing commission of up to 0.20% (ex GST) from the day following the first anniversary date (ex policy fee and stamp duty). A percentage of both the initial up-front commission and ongoing trail commission is paid to the Authorised Representative as commission.
As disclosed in the Financial Services Guide, Version 10 (13 May 2024). The commission is paid by the insurer, not charged to you. See how we get paid for a plain-language explanation.- If you have a complaint
- Complaints go first to our internal dispute resolution process. If you are not satisfied with the outcome, you can escalate to the Australian Financial Complaints Authority (AFCA), the external dispute resolution scheme. The full pathway is set out in our complaints policy.
If you would like a printed copy of this guide, or have any questions about it, please contact us.