One month ‘Premium Free’ Offer Terms and Conditions.

Offer Period:

1 October 2026 – 30 November 2026 (inclusive).

Eligible Policy:

Means a new LifeProtect policy (including group continuation options).

Offer:

The first month’s premium will be waived for an Eligible Policy which was applied for between 12:00am on 1 October 2026 and 11:59pm on 30 November 2026 (Offer Period). In all cases, an amount equal to one month’s premium will be credited to the Eligible Policy. The one-month period will be calculated from the date of policy issuance and will be applied to the Policy's premium payments based on the selected payment frequency.

This means that:

• For monthly payments, the first regular premium will be waived.
• For fortnightly payments, the first 2 regular payments will be waived and there will be a minor reduction on the third payment.
• For annual payments, one twelfth of the annual payment will be waived.

Payment made by direct debit and credit card will automatically have premium payments adjusted for the Offer. Payments made by other means will be charged the net premium. The free premium amount cannot be refunded or exchanged for cash.

The one-month free period applies from the date of policy issuance regardless of any alteration made to the policy in the one-month period. Where the premium payable is changed during the one-month period, the altered premium will be covered by the one-month free offer but the free period duration will not be altered.

Exclusions:

• The Offer does not include reinstatement of a policy or cover.
• The replacement of any existing policy currently with Fidelity Life is not included in the Offer.
• Any changes made to an existing policy such as adding a cover, increasing cover, or adding a person are not included.
• If a recommendation is generated during the Offer Period but the application is made after the Offer Period, it will be excluded from this Offer.
• Any eligible applications where the policy does not complete or is not issued within six months of the Offer Period end date (Offer Expiry Date) are also excluded.

Important information

The one month ‘premium free’ offer includes both the premium (which includes any loadings after underwriting) and policy fee.

Other than the Offer described in these terms and conditions, no other fees, expenses, premiums, charges or policy terms will be waived, removed or amended as part of this Offer.

The eligible policies are underwritten and administered by Fidelity Life. Decisions about accepting applications and issuing policies or increases are solely the responsibility of Fidelity Life and are subject to Fidelity Life’s underwriting and assessment criteria.

Westpac and Fidelity Life accept no responsibility or liability for any delay in the underwriting or assessment of any application, for applications that are incomplete or defective, or where the policy or increase is not issued until after the applicable Offer Expiry Date.

Westpac and Fidelity Life reserve the right to change the terms and conditions of this Offer at any time, which includes but is not limited to ending it early or to extending it.

This Offer cannot be combined with any other discount, promotion or offer (including any other Fidelity Life free premium offer), except by agreement with Fidelity Life.

Westpac life insurance products are arranged by Westpac and underwritten by Fidelity Life. None of Westpac Banking Corporation ABN 33 007 457 141 (incorporated in Australia), Westpac, or any member of the Westpac group of companies guarantee the obligations of, or any products issued by, Fidelity Life or any member of the Fidelity Group of companies.

Westpac will receive commission payments as a result of the arrangement of Fidelity Life policies.