p>Always read the relevant <a data-item-id="e7306e5c-4222-4b5e-9e91-008fcc832aa7" href="/policy-documents">PDS</a>, as this contains all the details you need to know about the policy terms and exclusions. If you purchase a policy, your life insurance provider will also issue you with a certificate of insurance and a copy of your PDS to refer back to.</p