CML

Exclusive to Capricorn Members

Capricorn Mutual provides Protection products exclusively for Capricorn Members and their associates. Capricorn Mutual products are only available through its tied-agent, Capricorn Risk Services (CRS Pty Ltd). CRS operates a dedicated network across Australia and New Zealand. Contact CRS to see if the CML solution is right for you.

“Protection that rewards”

Capricorn Members can also earn 1.5 reward points for every dollar spent on Capricorn Mutual products through their Capricorn account!

Capricorn Risk Services Pty Ltd (ACN 111 632 789) ("CRS") is an authorised representative of Capricorn Mutual Limited (ACN 104 601 194) (AFS Licence 230038) ("CML") and Capricorn Insurance Services Pty Ltd (ACN 154 801 377)  (AFS Licence 435197) (“CIS”).

CRS is a tied agent of CML. This means CRS does not search the market for alternative or competing risk protection or insurance products to the CML product unless prior to receiving a quotation from CML you request that CRS source an alternative product. If CML does not offer a product concerning your risk solution need then CRS will provide details of available market products from its approved product list as an authorised representative of general insurance  broker CIS.

Discretionary protection products are provided by CML to its members. You should consider CML's product disclosure statement before deciding whether membership and the discretionary protection product offered by CML is right for you and in deciding whether to apply for membership of CML and such product.
For insurance that may be arranged through CIS you should consider the relevant product disclosure statement before deciding if the terms of that insurance cover is right for you and in deciding whether to apply for such policy.

To obtain a copy of the product disclosure statement for CML or for insurance arranged through CIS please contact their Authorised Representative Capricorn Risk Services Pty Ltd telephone 1800 007 022 (AU) 0800 555 303 (NZ) or visit www.capricornrisk.com.