Target market determinations
Target market determinations (TMDs) seek to offer consumers, distributors and staff with an understanding of the class of consumer for which this product has been designed, having regard to the objectives, financial situation and needs of the target market.
The current TMDs for Encompass Protection and Protect Super Plan for Encompass Protection can be downloaded below.
Encompass Protection TMD
This TMD sets out the target market for the product, triggers to review the target market and certain other information for policies issued from 15 November 2024.
Protect Super Plan for Encompass Protection TMD
This TMD is for Protect Super Plan and seeks to provide consumers, distributors and staff with an understanding of the class of consumer for which this product has been designed, having regard to the objectives, financial situation and needs of the target market for policies issued from 14 September 2024.
Encompass Protection previous TMD versions
Encompass Protection TMD – 16 February 2024
This TMD sets out the target market for the product, triggers to review the target market and certain other information for policies issued from 16 February 2024 - 14 November 2024.
Protect Super Plan for Encompass Protection TMD – 14 September 2023
This TMD is for Protect Super Plan and seeks to provide consumers, distributors and staff with an understanding of the class of consumer for which this product has been designed, having regard to the objectives, financial situation and needs of the target market for policies issued from 14 September 2023 - 13 September 2024.
Encompass Protection TMD – 18 August 2023
This TMD sets out the target market for the product, triggers to review the target market and certain other information for policies issued from 18 August 2023 - 15 February 2024.
Protect Super Plan for Encompass Protection TMD – 31 August 2023
This TMD is for Protect Super Plan and seeks to provide consumers, distributors and staff with an understanding of the class of consumer for which this product has been designed, having regard to the objectives, financial situation and needs of the target market for policies issued from 31 August 2023 - 13 September 2023.
Protect Super Plan for Encompass Protection TMD – 28 April 2023
This TMD is for Protect Super Plan and seeks to provide consumers, distributors and staff with an understanding of the class of consumer for which this product has been designed, having regard to the objectives, financial situation and needs of the target market for policies issued from 28 April 2023 - 30 August 2023.
Encompass Protection TMD – 19 July 2023
This TMD sets out the target market for the product, triggers to review the target market and certain other information for policies issued from 19 July 2023 - 17 August 2023.
Encompass Protection TMD – 6 July 2023
This TMD sets out the target market for the product, triggers to review the target market and certain other information for policies issued from 6 July 2023 - 18 July 2023.
Protect Super Plan for Encompass Protection TMD – 28 April 2022
This TMD is for Protect Super Plan and seeks to provide consumers, distributors and staff with an understanding of the class of consumer for which this product has been designed, having regard to the objectives, financial situation and needs of the target market for policies issued between 28 April 2022 - 27 April 2023.
Encompass Protection TMD – 28 April 2022
This TMD sets out the target market for the product, triggers to review the target market and certain other information for policies issued between 28 April 2022 - 5 July 2023.