FiftyUp Club Life Insurance Offer

The FiftyUp Club Life Insurance Offer comprises of an offer of the first month free and a premium discount. Both parts of the offer are subject to the terms and conditions below.

Insurance cover is issued by the insurer, NobleOak Life Limited ABN 85 087 648 708 AFSL No. 247302. As well as Life cover NobleOak also offers Income Protection, Trauma, and Total & Permanent Disablement Insurance cover. NobleOak issues life insurance only and is not responsible for other insurance cover types which may feature in this communication.

Any information is general advice, it does not take into account your individual circumstances, objectives, financial situation or needs.

¹Premium Discount Offer: Premium discounts for FiftyUp Club members apply to the life cover offering under NobleOak's My Protection Plan product and are available for applications received until such time as the Premium Discount Offer closes or is withdrawn. FiftyUp Club members are entitled to a 15% discount to standard premium rates for term life cover under NobleOak's My Protection Plan which remains for the life of the cover. The offers are available for new customers only and can be used only once. Not able to be used in conjunction with another advertised offer.

²The one month free offer applies where a quote is issued by 7pm on 26-April-2024 and results in a completed application and issue of one or more covers (quotes are valid for 30 days and are indicative only). This offer is available once only per new customer and may not be used in conjunction with any other offer. If you request a quote for one or more of the covers available under NobleOak's My Protection Plan before 7pm on 26-April-2024 and are provided with cover following the quote, then you will not start paying premiums until one month after the commencement date of the cover for each cover issued.

The offers are available for new customers only and can be used only once. Not able to be used in conjunction with another advertised offer.

Insurance cover is issued by the insurer, NobleOak Life Limited ABN 85 087 648 708 AFSL No. 247302 under NobleOak's My Protection Plan product and is subject to the terms and conditions of the My Protection Plan Product Disclosure Statement (PDS). Please also read NobleOak's Target Market Determination (TMD) and Financial Services Guide. This information is of a general nature only and does not take into consideration your individual circumstances, objectives, financial situation or needs. Before you purchase an insurance product you should carefully consider the PDS to decide if it is right for you. NobleOak cannot provide you with personal advice, but their staff may provide general information about NobleOak Life Insurance products.

Members should not cancel any existing Life Insurance cover until they have been informed in writing that their replacement cover is in place.

FiftyUp Club is a registered business name of RevTech Media Pty Ltd (ABN 75 150 963 474) who holds its own Australian Financial Services Licence (AFSL 455982) and can provide you with factual information and general advice only. If in doubt about your personal situation or needs, you should seek financial advice.

If you take out Life Insurance cover as a result of the services provided by us, NobleOak may pay us a commission of 15% of each premium for each cover taken. Further information can be found in the FiftyUp Club Financial Services Guide (FSG) available here.

Health Insurance Offer

FiftyUp Club HCF “$300 & $100 Digital Prepaid Mastercard” Offer (MasterCard Offer)

⁵If you take up the FiftyUp Club HCF “$300 & $100 Digital Prepaid Mastercard” Offer (Mastercard Offer) with HCF, FiftyUp Club will send a Digital Prepaid Mastercard to the value of $300 for eligible families, couples and single parent families and $100 for eligible singles. To be eligible to receive the Digital Prepaid Mastercard you must take up combined hospital and extras cover with HCF (excludes Overseas Visitors Health Cover and rt health and Transport Health branded product) via FiftyUp Club, your Policy Start Date must be between 25 March 2024 00:00 ADST and 30 June 2024 23:59 AEST, 4 months must have passed since the Policy Start Date and the Policy must be current and paid up to date (Mastercard Offer Period). Limit of one Digital Prepaid Mastercard per policy. HCF reserves the right to end the Mastercard Offer at any time. Eligible Recipients will receive a SMS with an activation code and instructions to activate their Digital Prepaid Mastercard up to 30 days after FiftyUp Club has confirmed their eligibility. The activation code must be used within 2 months to activate the Digital Prepaid Mastercard which is valid until the expiry date on the card (not less than 12 months from date of production). For the full Mastercard Offer terms & conditions terms & conditions see here.

The $300 Vault Pays-enabled Prepaid Mastercard and $100 Vault Pays-enabled Prepaid Mastercard is issued by EML Payment Solutions Limited (ABN 30 131 436 532) AFSL 404131 and distributed by Vault Payment Solutions Group Pty Ltd ABN 66 632 373 105 pursuant to license by Mastercard International Incorporated. See Vault terms and conditions for terms and conditions, card expiry and to check card balance. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated.

The Mastercard Offer is for members who are new to health insurance or members who are switching to HCF. The Mastercard Offer cannot be taken up by existing HCF customers. You must not have been a current HCF policyholder at the start of the Mastercard Offer period, or have joined and cancelled an eligible HCF product 6 months before or during the Mastercard Offer period. You must not have previously switched to HCF through FiftyUp Club or any other RevTech Media channel in the previous 6 months. HCF may recognise waiting periods you've already served with your current fund. Some longer waiting periods and conditions apply. Any benefit limits used with your current fund will apply to your new HCF policy. Offer cannot be used in conjunction with any other corporate offer or discount. If you take up the Mastercard Offer and you are not already a member of FiftyUp Club, you will become a member upon taking up the Mastercard Offer.

Eight Weeks Free Offer

⁶To be eligible to receive the eight weeks free offer (Eight Weeks Free Offer) you must be a new HCF member who joins eligible combined hospital & extras cover between 25 March 2024 00:00 ADST and 30 June 2024 23:59 AEST (Eight Weeks Free Offer period). Excludes Hospital Premium Gold cover, Corporate Hospital Premium Gold and Overseas Visitors Health Cover. Your cover must start during the Eight Weeks Free Offer period, and you must not have been an HCF member 2 months prior to taking out the Eight Weeks Free Offer. You must pay your first months' premium and maintain your policy for 1 month which will entitle you to have the date your policy is paid to extended by six weeks; and after 12 months from the date you join us, you will be entitled to have the date your policy is paid to extended by an additional two weeks. HCF may take up to six weeks to process each extension.

FiftyUp Club receives a commission for each member who takes up an offer with HCF and remains a member of HCF.

Travel Insurance Offer

Any information is general advice, it does not take into account your individual circumstances, objectives, financial situation or needs.

³As a FiftyUp Club member buying direct from InsureandGo, you will benefit from a 17% discount on the policy premium that you would normally pay. Offer available until 26-May-2024.

Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, AFSL 240816, issues InsureandGo Travel Insurance (the insurance). For full details of the benefits, terms and conditions and exclusions that may apply please read the Combined Product Disclosure Statement and Financial Services Guide and Target Market Determination (TMD) and to decide if the insurance is right for you. It is important to consider the Combined Product Disclosure Statement and Financial Services Guide, before deciding whether to acquire the travel insurance, having regard to your own situation.

Mitsui Sumitomo has appointed Europ Assistance Australia Pty Ltd, ABN 71 140 219 594 (InsureandGo Travel Insurance) as its authorised Representative to distribute and administer this insurance product.

FiftyUp Club is a registered business name of RevTech Media Pty Ltd (ABN 75 150 963 474) who holds its own Australian Financial Services Licence (AFSL 455982) and can provide you with factual information and general advice only. If in doubt about your personal situation or needs, you should seek financial advice.

If you take out a Travel Insurance policy with InsureandGo as a result of the services provided by us, Europ Assistance Australia Pty Ltd may pay us a referral fee of 18% of all the premiums paid by members who take up the InsureandGo offer. Further information can be found in our Financial Services Guide (FSG) available here.

How does the FiftyUp Club work?