This PDS is issued by AMP Life Limited for Flexible Lifetime – Protection Death, Total and Permanent Disablement, Trauma, Income Protection and Business Overheads Insurance and AMP Superannuation Limited (ASL) for Flexible Lifetime – Protection (Superannuation) The Flexible Lifetime® - Super offer is part of AMP's Flexible Lifetime Solutions range of products. Flexible Lifetime – Protection offers a range of plans that can be tailored to meet your personal insurance needs, helping secure your tomorrow by protecting what you have today. As Flexible Lifetime – Protection is not a savings product, if you end a plan at any time after the 28 day money back guarantee period (see page 5), you won’t receive any money back (except in the limited circumstances set out on page 64 - Refund of premiums).

As life changes, so do your insurance needs. Flexible contributions – you, your employer and your spouse can make regular contributions or invest a lump sum as often as you like (subject to contribution limits and your personal eligibility) At AMP Life, we’re committed to being a financially responsible iYour Flexible Lifetime – Protection plan gives you peace of mindFlexible Lifetime – Protection continues to protect you and your loved ones for all the great reasons you identified when you chose it. 233671.

Flexible Lifetime - Protection Death, Total and Permanent Disablement, Trauma, Income Protection and Business Overheads Insurance are issued by AMP Life Limited ABN 84 079 300 379, AFSL No. Your plan does not entitle you to share in any profits of AMP Life. Section A – About Flexible Lifetime – Protection Flexible Lifetime – Protection offers a range of plans that can be tailored to meet your personal insurance needs, helping secure your tomorrow by protecting what you have today. Life Protection Plan see page 8 Product disclosure statement (PDS) Getting to know your Flexible Lifetime Super Employer Plans Fact Sheet Investment options Fact Sheet Insurance fact sheet PDS updates Access the latest AMP product disclosure statements, and any supporting documents. This summary will help you understand the types of insurance cover offered and what solution they offer if you need to make a claim. Flexible Lifetime - Protection (Superannuation) Death, Total and Permanent Disablement is issued by AMP Superannuation Limited (ASL) ABN 31 008 414 104,

This summary will help you understand the types of insurance cover offered and

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