Financial Services Guide (FSG)


This guide aims to help you make an informed decision about the financial services and products we can provide to you as a retail client.


This guide contains important information about:

  • the financial services we offer you;
  • who we act for in providing these services;
  • how we and other relevant persons are remunerated; and
  • our internal and external dispute resolution process and how you can access them.


Where required, you will be given a Product Disclosure Statement (PDS) before or at the time you acquire any product as a retail client. The PDS sets out the standard terms, conditions, limits and exclusions of the product to assist you in making an informed decision about whether to purchase it or not.


Please keep this FSG along with the PDS and other policy documents in a safe place for future reference.

Issue No. 5.0

AR FSG Version No: 6.0

Date of preparation: 04/2024


Who are we and what services do we offer?

Name:              Insurance and Membership Services Ltd

ABN/ ACN:        59 057 159 743

AR Number:      246235

Address:           PO Box 7156 Hutt Street SA 5000

Contact:            1300 1300 50 or 08 8112 8110


We are Authorised Representatives of the insurer Allianz Australia Insurance Limited

ABN:                15 000 122 850
AFSL:               234708 (Allianz)


Allianz can be contacted as follows:

Post:                GPO Box 4049 Sydney NSW 2001


Contact:            1300 139 418

Or by using the contact details listed at –


Allianz has authorised us to arrange and provide general advice on certain general insurance products issued by it.

You may be provided with these financial services by:

  • one of our employees; or.
  • a person we have temporarily contracted with to provide these financial services to you,

Each of these persons will be authorised by Allianz to arrange and provide general advice on these insurance products as its authorised representative and to provide you with this FSG. They will tell you when this is the case.

When providing these types of financial services we, our employees and contractors act as on behalf of Allianz and not on your behalf.

We may also refer you to Allianz to purchase insurance, where we do this and you purchase a policy, it will be arranged and issued by Allianz not us.


General Advice Warning

It is important that you understand and are happy with the products we and our representatives can arrange. We can give you general advice to help you decide but do not provide advice on this insurance based on any consideration of your objectives, financial situation or needs. Before making a decision about whether or not to purchase the product/s please carefully read the PDS to decide if it is right for you.


Information on Remuneration

We receive commission from Allianz each time you buy a policy and may include renewals and some variations, which increase the premium payable. It is calculated as a percentage of the insurer’s base premium (this is the premium less stamp duty, GST and other government taxes, charges and levies). Allianz pays us commission at rates which range from 0% to 20% of the premium.

We may receive a profit share from Allianz for Home and Contents (excluding flood), Landlord (excluding flood), Car and Caravan and Trailer insurance policies arranged by us (or renewed) with Allianz in each calendar year. If the agreed net earned premium threshold and the agreed profit threshold (determined according to a formula that takes into account matters such as the premium received, claims and expenses incurred) are met, we receive an agreed percentage of the profit which exceeds the agreed profit threshold.

We also receive a marketing allowance from Allianz this is based on a percentage of the total gross written premium earned on Home and Contents (excluding flood), Landlord (excluding flood), Car and Caravan and Trailer insurance policies arranged by us (or renewed) with Allianz.

Where you have been referred to us by a third party, we may pay them a part of the commission we earn. Any such commission we pay to a referrer is at no extra cost to you.

We pay our staff and representatives an annual salary for their services and they may also receive bonuses or other incentives and rewards based on their performance relating to sales of products and other business criteria.

Where you have been provided with financial services by an employee who is an authorised representative, we may pay them all or part of our remuneration. Our temporary contractors may receive a daily fee, which is payable for both providing financial services to you as well as other services for us.

If you require further details about any of the above remuneration received from Allianz, please ask us within a reasonable time after receiving this FSG and before we provide you with financial services to which this FSG relates.


Compensation Arrangements

We are required by Allianz to hold professional indemnity insurance. Allianz is a general insurer authorised under the Insurance Act 1973 (Cth) to carry on general insurance business in Australia and is supervised by the Australian Prudential Regulation Authority (APRA) and subject to the prudential requirements of the Insurance Act. Because of this Allianz is exempt from the requirement to hold professional indemnity insurance. Please contact Allianz if you require further information in relation to their compensation arrangements.


What happens if you have a complaint?

We are committed to handling complaints about our products and services efficiently and fairly. If you have a complaint:

  1. Contact us and we will seek to resolve the issue. If we are unable to resolve your complaint, we will promptly refer it to Allianz. Allianz will attempt to resolve the matter in accordance with their Internal Dispute Resolution procedures. To obtain a copy of the Allianz procedures contact us using the details on the first page of this document.
  2. If you are not satisfied with Allianz’s decision or the handling of the complaint, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA), an external dispute resolution scheme which is independent and free to you (subject to its relevant terms and rules). AFCA’s contact details are as follows:



Phone: 1800 931 678

Mail: Australian Financial Complaints Authority GPO

Box 3 Melbourne VIC 3001


Further information

If you need further information about the products or our services, or you have any queries please contact us using the contact details on the first page of this document.

Allianz has authorised the distribution of this FSG.

Download our Financial Services Guide PDF here. FSG Financial Services Guide 2024