The central concept underpinning DDO is that of the target market.
Product issuers are obliged to:
- identify a target market of consumers, and design products suitable for that target market, and
- monitor consumer outcomes and review products to ensure that consumers are receiving products that are likely to align to their likely objectives, financial situation and needs.
Issuers and distributors must take ‘reasonable steps’ to ensure those products reach consumers in that target market. The below Target Market Determinations (TMDs) will describe the typical objectives, financial situation and needs of consumers in the target market, describe the product features, and explain why those features will meet consumers’ needs.
Zurich Wealth Protection
Zurich Wealth Protection Death Cover TMD
62 KB,
pdf
Zurich Wealth Protection TPD Cover TMD
74 KB,
pdf
Zurich Wealth Protection Trauma Cover TMD
70 KB,
pdf
Zurich Wealth Protection Child Cover TMD
63 KB,
pdf
Zurich Active
Zurich Active Income Protection TMD
70 KB,
pdf
Zurich Active Child Cover TMD
63 KB,
pdf
Zurich WP (insurance only super) Life TMD
113 KB,
pdf
Zurich WP (insurance only super) TPD TMD
124 KB,
pdf
Zurich Ezicover Life Insurance TMD
125 KB,
pdf
Zurich Ezicover Income Protection TMD
139 KB,
pdf
My Protection Plan TMD
125 KB,
pdf
ANZ Home Loan Protection TMD
144 KB,
pdf
Zurich Investments Global Growth Share Fund TMD
287 KB,
pdf
Zurich Investments Managed Growth Fund TMD
394 KB,
pdf