I have a policy with Westpac which is for Income Protection and I took it out years ago when I got the mortgage, just in case something happened. Now I am not working but instead I am an international jetsetter swanning around and this policy is up for renewal. Before I left Australia 3 years ago I questioned them why I should have this because I am not working and have no income to protect. I was told, now my memory is a little vague about this, that it would still be useful to me because if I insure myself for X dollars each month then I could still make a claim if I met the criteria of the policy, eg, got injured; even although I currently have no income and so it seems like an insurance policy, well that was my understanding. I contacted Westpac when I got the renewal to quiz them but guess what? I have to call them to discuss but because I am out of the country I can not discuss any specifics of the policy because there is legislation in place to prevent them from doing so. We live in a Global community and yet I am unable to discuss with them a product that I bought many years ago which I am now questioning and want more information on. I mean what the fuck?

This is the quote from the email,

This is due to the legislation around the general advice warning and hence cannot provide general advice while you are out of the country.

Me thinks I will be saving some money and cancelling this policy and I have also made a complaint about the advice I got 3 years ago