This total is only an estimate calculated by a tool provided to assist you calculate the expenses and costs which you may want to cover through insurance. The potential liabilities listed above are merely suggestions of the liabilities you may consider when making an estimate. Term Life Direct offers a maximum of $500,000 cover. For more information on Term Life Direct or to decide if this product is right for you, download and read the Term Life Direct Product Disclosure Statement or call the Term Life Direct Hotline on 1300 658 151. Term Life Direct is issued by St Andrew’s Life Insurance Pty Ltd ABN 98 105 176 243 AFSL 281731 and is not a product of or guaranteed by the referring company