Apia Insurance

About the Apia Funeral Insurance Gift Offer

TAL Direct is making a $100 eGift card offer (“Gift Offer”) to eligible customers upon their purchase of a new Apia Funeral Insurance policy only under these terms and conditions of offer. 
Apia Funeral Insurance is issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life or insurer) and promoted by TAL Direct Pty Limited ABN 39 084 666 017 AFSL 243260 (TAL Direct). TAL Direct and TAL Life are part of the TAL Dai-ichi Life Australia Pty Limited ABN 97 150 070 483 group of companies (TAL). TAL companies are not a part of the Suncorp Group and TAL Direct and TAL Life uses the Apia brand under license from the Suncorp Group. The following terms and conditions apply to the Gift Offer. 

OFFER PERIODS

1. Offer Period 1: The Apia Funeral Insurance Gift Offer commences on 21st of September 2023 at 00:01 AM (AEST) and concludes 30th of November 2023 at 23:59 PM (AEDT) (“Offer Period 1”).
2. Offer Period 2: The Apia Funeral Insurance Gift Offer commence on 3rd of April 2024 at 00:01 AM (AEDT) and concludes 30th of June 2024 at 23:59 PM (AEST) (“Offer Period 2”).

HOW THE GIFT OFFER WORKS

3. Subject to the terms and conditions of this Gift Offer, Eligible Customers will be able to redeem a $100 choice eGift Card (“Gift”). The Gift can be redeemed for 60+ leading retailers. Each Gift can be swapped for up to 4 brands for the card value and saved to a mobile wallet for contactless shopping instore and online. 
4. An Eligible Customer is entitled to only one Gift per eligible policy type (“the Gift”). 
5. The Gift card is issued by True Rewards (www.truerewards.com.au/terms-and-conditions). TAL Direct reserve the right to change the gift card issuer at any time.
6. To receive a Gift, the Eligible Customer must complete an application for a Apia Funeral Insurance policy during the relevant Offer Periods as set out above and be issued with a policy with a Policy commencement Date prior to 31st of December 2023 for Offer Period 1 or 31st of July 2024 for Offer Period 2.
7. This offer is made solely by TAL Direct. The insurers issuing the insurance policies are not responsible for any aspect of this Gift Offer. Prize Brokers Pty Limited ABN 13 135 826 747 is responsible for the administration and fulfilment of this offer.
8. The Offer Periods may be amended, in which case, a new or revised set of terms and conditions will be published on the website>https://apply.apia.com.au/funeral/static-pages/apia/life-offer-terms.html
9. This Gift Offer is not available in conjunction with any other offer.
10. TAL Direct reserves the right to alter or revoke this offer at any time.

OFFER ELIGIBILITY

11. Australian residents who are eligible to apply and take out cover for a new Apia Funeral Insurance policy are eligible for this offer.
12. To be eligible to receive the Gift the customer must have held the policy for 4 consecutive months and paid the relevant premiums in full for those 4 months. 4 months policy held is equal to 120 days.  
o For customers paying monthly the 4 months premium paid is calculated as Annual premium divided by 12 months multiplied by 4. For Example: $1,000 Annual Premium ÷ by 12 x 4 = $333.33
o For customers paying fortnightly, the four-month premium is calculated as follows: Annual premium ÷ 26 fortnights multiplied by 8 = 4 months. For Example: $1,000 Annual Premium ÷ 26 = $38.46 x 8 fortnightly payments equals to $307.69.
o Premiums may take up to 14 days to be processed.
13. Information provided to Apia Funeral Insurance and TAL Direct when applying for and purchasing a policy may be used for the purposes of providing insurance cover and for making future marketing offers unless you tell us otherwise. It may also be used by TAL Direct for administering this Gift Offer. Information is collected and may be used by Apia Funeral Insurance and TAL Direct in accordance with its Privacy Policy which is available at https://www.apia.com.au/privacy.html and https://www.tal.com.au/privacy-policy
14. Employees and their immediate families of Apia Funeral Insurance, TAL Direct, the insurers, agencies, companies and related bodies corporate associated with the Gift Offer are eligible to enter by complying with these terms and conditions.
15. TAL Direct accepts no responsibility for any late, lost or misdirected Gift Offer enquiries, including enquiries not received by TAL Direct or delays in the delivery of enquiries due to technical disruptions, network congestion or for any other reason.
16. Incomplete, non-genuine and incomprehensible enquiries will be deemed invalid at the sole discretion of TAL Direct and ineligible for the Gift Offer.
17. An Eligible Customer is only eligible to receive one Gift per eligible policy type. If there are two people named on one policy only the primary policy holder is eligible to receive the Gift. 
18. Existing Apia Funeral Insurance customers who cancel and replace an existing policy are not eligible for this Gift Offer.
19. The participating products in this Gift Offer, Apia Funeral Insurance are issued by TAL Life Limited ABN 70 050 109 450 AFSL 237848 (TAL Life). 
20. A customer will be an Eligible Customer if they meet all the eligibility criteria set out in these Terms and Conditions.

OFFER REDEMPTION

21. Having qualified for the Gift Offer as set out above, the primary Policy Owner of a new Apia Funeral Insurance policy issued with a Policy Commencement Date prior to the dates set out above will be sent an email from TAL Direct with details of how to redeem the Gift Offer.
22. Each Eligible Customer will have up to 31st of December 2024 to redeem the Gift Offer.
23. The eligibility date to qualify for the Gift Offer is the date the Eligible Customer has held the policy for 4 consecutive months and paid 4 months premiums in full.
24. At the time of redemption, the Policy Owner may be offered an alternative Gift of similar value.
25. Each Policy Owner is entitled to one gift only. If the same Policy Owner takes out two different Funeral Insurance policies, that person is only eligible to receive one Gift on whichever policy reaches eligibility criteria first. 

FULFILMENT DETAILS

26. If, for any reason out of TAL Direct’s control, the Gift chosen by an Eligible Customer becomes unavailable, another Gift of similar value will be awarded in lieu. If the Policy Owner chooses an alternative Gift, they will not also be eligible to receive the other Gifts on offer.
27. The Gift cannot be transferred, exchanged or redeemed for cash.
28. In the event that a Gift recipient does not accept delivery of their Gift in accordance with any conditions of delivery notified to them at the time of redemption, then the Gift will be forfeited and cash will not be awarded in lieu.
29. TAL Direct takes no responsibility for the Gift being damaged, lost, stolen, or misdirected in transit.

GENERAL CONDITIONS

30. TAL Direct reserves the right to request recipients of the Gift to provide proof of identity, and/or proof of offer eligibility in order to claim the Gift. Proof of identification and eligibility considered suitable for verification is at the discretion of TAL Direct. In the event that suitable proof cannot be provided, the Gift will be forfeited in whole, and no substitute offer will be made.
31. TAL Direct reserves the right to disqualify (and not provide the Gift to) anyone who tampers with the Gift Offer eligibility process, who games or attempts to game or structure Policy applications with the intention of claiming multiple Gifts not within the terms or intent of this Gift Offer, who submits an entry that is not in accordance with these terms and conditions or who has, in TAL Direct’s opinion, engaged in conduct in participating in the Gift Offer which is fraudulent, misleading, deceptive or manipulative, or which is generally damaging to the goodwill or reputation of TAL Direct.
32. If, for any reason, this Gift Offer is not capable of running as planned, including due to computer technical failures; fraud; delays in fulfilling material obligations where such delay is due to industrial action, fire, flood, war, public disaster, delay in transportation; or other causes beyond the control of TAL Direct, which affects the administration, security, fairness, integrity, or proper conduct of this offer, TAL Direct reserves the right in its sole discretion to cancel, terminate, modify or suspend the Gift Offer to the extent permissible by law.
33. TAL Direct may cancel the Gift Offer at any time.
34. TAL Direct reserves the right to change or substitute the Gift or the Gift Offer or any part of the Gift or Gift Offer at any time.
35. These terms and conditions are to be interpreted in accordance with the law of New South Wales.