5.1 Background

This case study concerned the conduct of the Retail Employees Superannuation Pty Limited, a registerable superannuation entity licensee and the trustee of Retail Employees Superannuation Trust (REST). The focus of the case study was the provision of life insurance, total and permanent disability (TPD), and income protection policies to REST members.

Lachlan Ross, Project Specialist in the REST Operations Team, gave evidence on REST’s behalf.[1] Additional statements of Natalie Binns, Paul Howard and Joseph de Bruyn were also tendered.[2]

REST is a large fund, with about two million members.[3] Between 1.4 and 1.5 million of those members have group life insurance with REST.[4] REST offers its members default life, TPD and income protection cover, through the fund.[5]

Since 2004, AIA has been REST’s group life insurer.[6] Mr Ross estimated that REST will pay AIA annual premiums of between $750 million and $800 million in the current policy year.[7]

The REST case study focused on particular clauses in the group life policies held by REST and the application of those clauses in particular cases.


[1] Exhibit 6.224, Witness statement of Lachlan Ross, 31 August 2018, 1 [1].

[2] Exhibit 6.229, Witness statement of Natalie Binns, 31 August 2018; Exhibit 6.230, Witness statement of Paul Howard, 7 September 2018; Exhibit 6.231, Witness statement of Joseph de Bruyn, 12 September 2018.

[3] Transcript, Lachlan Ross, 14 September 2018, 5805.

[4] Transcript, Lachlan Ross, 14 September 2018, 5805.

[5] Exhibit 6.229, Witness statement of Natalie Binns, 31 August 2018, 2–4 [7].

[6] Transcript, Lachlan Ross, 14 September 2018, 5806.

[7] Transcript, Lachlan Ross, 14 September 2018, 5806.

495 thoughts on “5.1 Background”

  1. Pingback: Bassetti guenstig
  2. Pingback: tutorme
  3. Pingback: essayhelpbgs.com
  4. Pingback: customized essay
  5. Pingback: best thesis
  6. Pingback: cialis for sale
  7. Pingback: cialis online
  8. Pingback: viagra
  9. Pingback: cialis not working
  10. Pingback: kbtvvhqo
  11. Pingback: precio de viagra
  12. Pingback: write my essay now
  13. Pingback: help write essay
  14. Pingback: vietnamese viagra
  15. Pingback: buy viagra
  16. Pingback: coupon for cialis
  17. Pingback: viagra problem
  18. Pingback: buy sildenafil
  19. Pingback: how to use viagra
  20. Pingback: viagra costs
  21. Pingback: sildenafil 100mg
  22. Pingback: doxycycline buy
  23. Pingback: prednisolone cost
  24. Pingback: viagra 100mg price
  25. Pingback: cost of viagra
  26. Pingback: synthroid high
  27. Pingback: tadalafil 5mg
  28. Pingback: generic viagra
  29. Pingback: sildenafil 20 mg
  30. Pingback: help with essay
  31. Pingback: mba thesis
  32. Pingback: custom essays
  33. Pingback: propecia brain fog
  34. Pingback: viagra orgasm
  35. Pingback: viagra errection
  36. Pingback: viagra fuck help
  37. Pingback: neurontin 100
  38. Pingback: levitra 200 mg
  39. Pingback: paxil 50 mg
  40. Pingback: zithromax z pak
  41. Pingback: celecoxib 200mg
  42. Pingback: cephalexin order
  43. Pingback: cymbalta for grief
  44. Pingback: acheter viagra 100
  45. Pingback: cialis otc us
  46. Pingback: comprar viagra uk
  47. Pingback: cialis otc fda
  48. Pingback: 40 mg sildenafil
  49. Pingback: Nitroglycerin
  50. Pingback: Zakhar Berkut hd
  51. Pingback: 4569987
  52. Pingback: buy toronto
  53. Pingback: news news news
  54. Pingback: psy
  55. Pingback: psy2022
  56. Pingback: projectio-freid
  57. Pingback: retin a for sale
  58. Pingback: female viagra porn
  59. Pingback: kinoteatrzarya.ru
  60. Pingback: topvideos
  61. Pingback: video
  62. Pingback: buy 36 hour
  63. Pingback: lovoo impressum
  64. Pingback: Ukrainskie-serialy
  65. Pingback: site
  66. Pingback: 36 hour cialis mg
  67. Pingback: adult dating tindr
  68. Pingback: top
  69. Pingback: daily cialis dose
  70. Pingback: viagra cvs
  71. Pingback: online real viagra
  72. Pingback: tadalafil natural
  73. Pingback: viagra connect usa
  74. Pingback: Online dating
  75. Pingback: chelovek-iz-90-h
  76. Pingback: podolsk-region.ru
  77. Pingback: Free dating
  78. Pingback: chick fil a keto
  79. Pingback: bender na4alo 2021
  80. Pingback: blogery_i_dorogi
  81. Pingback: ventolin tabs
  82. Pingback: chernaya vodova
  83. Pingback: 66181
  84. Pingback: Porno
  85. Pingback: vechernyy urgant
  86. Pingback: ukraine
  87. Pingback: A3ixW7AS
  88. Pingback: link
  89. Pingback: KremlinTeam
  90. Pingback: medunitsa.ru
  91. Pingback: kremlin-team.ru
  92. Pingback: psychophysics.ru
  93. Pingback: yesmail.ru
  94. Pingback: Suicide Squad 2
  95. Pingback: psiholog
  96. Pingback: regcialist.com
  97. Pingback: stromectol 875
  98. Pingback: buy generic viagra
  99. Pingback: viagra cheap
  100. Pingback: viagra pills
  101. Pingback: pills like cialis
  102. Pingback: 20mg cialis daily
  103. Pingback: cialis tab 10mg
  104. Pingback: cialis tablet
  105. Pingback: Duna 2021
  106. Pingback: natural viagra
  107. Pingback: 1
  108. Pingback: cheap viagra
  109. Pingback: cost of viagra 100
  110. Pingback: buy generic cialis
  111. Pingback: viagra sample
  112. Pingback: cialis tab 10mg
  113. Pingback: cialis france
  114. Pingback: ivermectin pour on
  115. Pingback: hims viagra coupon
  116. Pingback: ivermectin 12mg
  117. Pingback: viagra dosage
  118. Pingback: sildenafil 50mg
  119. Pingback: otc z pack
  120. Pingback: cleantalkorg2.ru
  121. Pingback: viagra homme
  122. Pingback: cialis vs viagra
  123. Pingback: neurontin 600 mg
  124. Pingback: plaquenil uk price
  125. Pingback: prednisone pill
  126. Pingback: 164 avana
  127. Pingback: albuterol india
  128. Pingback: azithromycin price
  129. Pingback: viagra in india
  130. Pingback: lasix water pill
  131. Pingback: 200 mg gabapentin
  132. Pingback: viagra cost
  133. Pingback: cialis 10 mg
  134. Pingback: provigil generic
  135. Pingback: viagra pill
  136. Pingback: goodrx viagra
  137. Pingback: viagra alternative
  138. Pingback: viagra generic
  139. Pingback: online viagra
  140. Pingback: cialis generic usa
  141. Pingback: aabbx.store
  142. Pingback: ne-smotrite-naverx
  143. Pingback: arrogant
  144. Pingback: Dead-Inside
  145. Pingback: cialis goodrx
  146. Pingback: viagra websites
  147. Pingback: zithromax 500 mg
  148. Pingback: buy aralen uk
  149. Pingback: zanaflex tablet
  150. Pingback: covid pill
  151. Pingback: buy nolvadex
  152. Pingback: buy clomid usa
  153. Pingback: 3rpUI4X
  154. Pingback: uliocx
  155. Pingback: 34tfA26
  156. Pingback: 3J6w3bD
  157. Pingback: 3GrvxDp
  158. Pingback: 3rrZhf7
  159. Pingback: 3L1poB8
  160. Pingback: my-vse-mertvy-2022
  161. Pingback: le cialis
  162. Pingback: ivermectin 0.1 uk
  163. Pingback: tadalafil vidal
  164. Pingback: ivermectin paste
  165. Pingback: what is cialis
  166. Pingback: sildenafil tablets
  167. Pingback: coronavirus drug
  168. Pingback: ivermectin goodrx
  169. Pingback: female viagra
  170. Pingback: augmentin size
  171. Pingback: zithromax goodrx
  172. Pingback: ciprofloxacin dogs
  173. Pingback: ivermectin cost
  174. Pingback: brazil ivermectin
  175. Pingback: z.globus-kino.ru
  176. Pingback: bactrim liquid
  177. Pingback: ivermectin 4
  178. Pingback: zithromax warnings
  179. Pingback: erythromycin oint
  180. Pingback: norfloxacin
  181. Pingback: azithromycin sig
  182. Pingback: cephalexin beer
  183. Pingback: lasix uk buy
  184. Pingback: stromectol msd
  185. Pingback: ivermectin 0.1 uk
  186. Pingback: stromectol xl
  187. Pingback: yutub
  188. Pingback: ivermectina piojos
  189. Pingback: stromectol 5 mg
  190. Pingback: ivermectin cena
  191. Pingback: filmfilmfilmes
  192. Pingback: gRh9UPV

Feedback