Code of Practice

Life Insurance Code of Practice

ClearView Life Assurance Limited has adopted the Life Insurance Code of Practice (Code), with effect from 1 July 2017.
The Code has been designed to raise standards across the life insurance industry. This covers many aspects of your relationship with us, from buying insurance to making a claim. It’s monitored by an independent committee to ensure effective compliance by life insurers. We can be sanctioned if we breach the Code.

Key Code promises

  1. We will be honest, fair, respectful, transparent, timely, and where possible we will use plain language in our communication with you.
  2. We will monitor sales by our staff and our authorised representatives to ensure sales are appropriate.
  3. If we discover that an inappropriate sale has occurred, we will take steps to resolve this with you, whether it be through a refund or a replacement policy.
  4. We will provide additional support if you have difficulty with the process of buying insurance or making a claim.
  5. When you make a claim, we will explain the claim process to you and keep you informed about our progress in making a decision on your claim.
  6. We will make a decision on your claim within the timeframes defined in the Code, and if we cannot meet these timeframes you can access our complaints process.
  7. If we deny your claim, we will explain the reasons in writing and let you know the next steps if you disagree with our decision.
  8. We will restrict the use of investigators and surveillance to ensure your legitimate right to privacy.
  9. The independent Code Compliance Committee will monitor our compliance with the Code.
  10. We can be sanctioned if we breach the Code.

ClearView is committed to being fair and transparent in our dealings with you. If you have any concerns, please contact us. For more information regarding the Code, please visit

Insurance in Superannuation Voluntary Code of Practice

Transition Plan

ClearView Life Nominees Pty Limited has adopted the Insurance in Superannuation Voluntary Code of Practice (Code) that came into effect on 1 July 2018. You can view the Code by clicking here.

This transition plan applies to the superannuation fund known as the ClearView Retirement Plan. 

The Code sets standards that aim to provide greater understanding, clearer accountability and consistency of delivery in relation to insurance benefits offered inside superannuation.

The deadline for full transition to the Code is not until 30 June 2021, however ClearView is already compliant with many of the required obligations and is focused on working towards full compliance as follows:

  • benefit designs and premiums (sections 4.1 to 4.17 of the Code) do not apply to ClearView as we do not provide default cover to our superannuation fund members. Members select a level of cover appropriate for their individual circumstances (generally with the assistance of a financial adviser) and may adjust that cover should their circumstances change (subject to underwriting requirements);

  • automatic cessation of cover and reinstatement (sections 4.25(e) and (f), 4.27, 4.28 and 4.29) largely do not apply to ClearView for the reasons set out above. Where the Code requirements regarding automatic cessation of cover and reinstatement do apply to ClearView, we are compliant with the Code; and

  • ClearView is working towards full compliance with the rest of the Code by 31 December 2019. We will undertake consumer testing of our communications in early 2019, and are updating our internal processes and policies to comply with the Code, or to formally document where our processes already comply with the Code.