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Picture Book · Insurance

Honest answers protect your cover

Story pages

A woman in her forties at a kitchen table writing on a form with a pen
Meet Grace. She's filling in an insurance application at the kitchen table.
A woman at a table thinking
Insurers ask about your age, job, medical and family history, smoking and any high-risk hobbies.
The woman handing a sealed envelope across a counter to a friendly clerk
Your answers help them decide whether to cover you, what premium to charge and on what terms.
An umbrella with a torn panel letting rain through onto a person beneath it
Misleading or incomplete answers can lead an insurer to cancel or change your cover, or decline a claim.
A small umbrella that only covers half of a person standing in light rain
If an insurer doesn't ask about your health, the policy may have more exclusions or narrower definitions.
The woman smiling under a large sturdy umbrella in the rain
Answer honestly, and ask if a question isn't clear.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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