Classic Bills Cover, Credit Protection and Credit Card Protection are issued by St Andrew's Insurance (Australia) Pty Ltd ABN 89 075 044 656 AFSL 239649 and St Andrew's Life Insurance Pty Ltd ABN 98 105 176 243 AFSL 281731 (collectively 'St Andrew's'). St Andrew's is not an Authorised Deposit Taking Institution. These products are not a product of and are neither guaranteed nor recommended by Bankwest or any of its related companies. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation or needs. To decide if a product is right for you and for full details of the terms, conditions, limits, and exclusions that apply to the policy for that product, please refer to the relevant Product Disclosure Statement above and Policy Wording. A PDS is also available at any Bankwest store or by calling 13 17 19. If you take out a policy, St Andrew’s will pay Bankwest a commission of up to 20% of premiums. This commission is included in the premium you pay and is not an additional cost to you. The products are optional and you are free to arrange similar cover with another insurer.