MLC Life Cover Super MLC Personal Protection Portfolio

Standard & Poor'sconsumer credit ratingsIn recent letters to financial institutions, Standard & Poor’swithdrew their consent to use their credit ratings for consumerdocuments, including Product Disclosure Statements andFinancial Services Guides.This was in response to changes in the law concerninghow financial services organisations use credit ratingswhen selling their products. These changes were effectivefrom 1 January 2010.What does this mean for you?When you read the following documents, you’ll need todisregard the references we’ve made to Standard & Poor’s.We’re also in the process of updating all our references on thewebsite so, if you do see a reference to Standard & Poor’splease disregard it.Document Product ReferenceProduct DisclosureStatement page 6MLC Personal Protection PortfolioMLC Life Cover SuperAll this, along with Standard & Poor’s AA rating meansyou can be confident, when it comes to claim time,you really can depend on us.Any questions?If you have any questions on this, or anyother issue, please speak with yourfinancial adviser, or call us on 132 652.