12MMeaning of superannuation‑related add‑on insurance product

#### 12M Meaning of superannuation‑related add‑on insurance product A superannuation‑related add‑on insurance product is an add‑on insurance product that: (a) is offered or sold to a consumer in connection with the consumer acquiring, or entering into a commitment to acquire, another product or service in a registrable superannuation entity; and (b) provides insurance cover (whether or not the cover is restricted) in respect of one or more of the following: (i) the consumer’s death; (ii) the consumer’s total and permanent disability; (iii) loss of income by the consumer.