A superannuation - related add - on insurance product is an add - on insurance product that:
(a) is offered or sold to a consumer in connection with the consumer acquiring, or entering into a commitment to acquire, another product or service in a registrable superannuation entity; and
(b) provides insurance cover (whether or not the cover is restricted) in respect of one or more of the following:
(ii) the consumer's total and permanent disability;
(iii) loss of income by the consumer.