Terms and conditions

The Terms and Conditions of ALUCA, including copyright, trademarks, disclaimer, viruses, third party sites and applicable law.

General terms and conditions


This site and its contents are subject to copyright. The site material copyright is owned by Australasian Life Underwriters Claims Association (ALUCA) Ltd., or in the case of some material, a third party. 

You may view this site and its contents using your web browser and electronically copy and print hard copies of parts of this site solely for personal, non-commercial use. Any other use, including the reproduction, modification, distribution, transmission, republication, display or performance, of the content of this site is strictly prohibited. 


This site includes registered trademarks, and other trademarks that are otherwise protected by law. Except as expressly authorised, the use or misuse of any of these trademarks is strictly prohibited. 

Included Trademarks and Registered Trademarks are Trademarks of their respective owners. 


You agree that your access to, and use of, this site is subject to these terms and all applicable laws and is at your own risk. This site and its contents are provided to you on “as is” basis, the site may contain errors, faults and inaccuracies and may not be complete and current. 

ALUCA makes no representations or warranties of any kind, express or implied as to the operation of this site or the information, content, materials or products included on this site, except as otherwise provided under applicable laws. 

Neither ALUCA, nor its affiliates, directors, officers, employees, agents, contractors, successors or assigns will be liable for any damages whatsoever arising out of, or in any way related to, the use of this site and any other site linked to this site. This limitation applies to direct, indirect, consequential, special, punitive or other damages you or others may suffer, as well as damages for loss of profits, business interruption or the loss of data or information. 


ALUCA cannot guarantee that any file or program available for download and/or execution from or via this site is free from viruses or other conditions, which could damage or interfere with data, hardware or software with which it might be used. You assume all risk of use of all programs and files on this site, and you release ALUCA entirely of all responsibility for any consequences of its use. 

Third Party Sites

This site may contain links to third party sites. ALUCA is not responsible for the condition or content of those sites as they are not under ALUCA control. You access those sites and/or use the site’s products and services solely at your own risk. The links are provided solely for your convenience and do not indicate, expressly or impliedly, an endorsement by ALUCA of the sites or the products or services provided on the site. 

ALUCA does not permit any linkages to this site without prior permission. 

Applicable Law 

This site may be accessed throughout Australia and overseas. ALUCA makes no representations that the content of this site complies with the laws (including intellectual property laws) of any country outside Australia. If you access this site from outside Australia, you do so at your own risk and are responsible for complying with the laws in the place where you access the site. 


ALUCA highly values the strong relationships we have with our customers. The collection of data at ALUCA is being handled with full and proper respect for the privacy of our customers. The data we collect is handled sensitively, securely and with proper regard to privacy. ALUCA does not disclose, distribute or sell the data we collect from our clients to third parties. 

This site uses a feature of your web browser known as “cookies” to store information and identify you to the system while you are on a session. No personal details are contained in the cookies.  

Read more about the ALUCA Privacy Policy

Membership terms and conditions

Individual annual membership fees are due in full on joining ALUCA apart from student members. The following terms and conditions apply to ALUCA membership services.

ALUCA constitution and code of conduct

All members are bound by the ALUCA constitution, the code of professional conduct, and all notices and directives of ALUCA.

Failure to accept terms and conditions of membership

ALUCA members are required to indicate their acceptance of all terms and conditions of membership. New applications and renewals will not be processed until confirmation is received.

Failure to pay (excluding student members)

ALUCA membership fees are due annually – memberships are on a calendar year basis. If a member does not pay their membership fees, they will cease to be an ALUCA member and be removed from the ALUCA active member database.

Failure to pay will result in membership becoming non-financial. Membership benefits will be restricted for all non-financial members. Membership will officially lapse one month after the renewal due date. If an individual’s membership does lapse that individual must not use any ALUCA CPLI post nominal professional designation after their name or claim to be a member of ALUCA.

CPLI Membership Reinstatement

ALL CPLI members will need to have their membership reinstatement evaluated for approval if they are more than three months overdue and will become non-members. If a CPLI member has not renewed their membership within a six month period they will need to reapply for membership at a different level.

Cancellation/refund policy

ALUCA does not provide refunds on membership fees, only on events as per the event cancellation policy noted below.

Transfer of membership

ALUCA memberships are individual and non-transferable.

Costs incurred by ALUCA in processing membership fees

All unexpected costs incurred by ALUCA in the processing of membership fees will be charged back to the member. Such costs include, but are not limited to, bounced cheques fees and related bank charges.

CPD – Continuing Professional Development

In order to maintain membership at a professional level (CPLI Affiliate, Associate, Associate Fellow and Fellow), all CPLI members are required to comply with ALUCA’s CPD policy. ALUCA conducts annual audits of a random selection of members to check compliance with the CPD requirements. Members who have not maintained the minimum number of CPD hours across the categories may be regraded to the level of standard member.

I agree to share my CPD report with my employer to confirm my ongoing competency and training record. I understand that part of a life insurance companies AFSL requirements is to confirm my ongoing competencies and training history. I also understand that this is mandatory for all accredited members.

Upgrading membership

Members may apply to upgrade their membership to a CPLI accredited by completing the relevant upgrade form and paying a non-refundable upgrade assessment fee. The relevant CPLI supporting documents must be provided as evidence of the member’s eligibility for the membership level they are applying to upgrade to. Student members upgrading to standard membership may have their joining fee waived.

Lapsed or overdue memberships

If your membership has lapsed, you will not be able to log in to the member portal and will need to contact the ALUCA secretariat. Lapsed members of more than 4 months will be charged a re-joining fee as per the current ALUCA joining fee. If a CPLI accredited member has lapsed they will be subject to the CPLI membership reinstatement policy. Alternatively you call (02) 9918 9230 to pay over the phone.

Maternal/Parental Leave or Retrenchment

Please reach out to us if you are experiencing financial difficulty or changed circumstances. Subject to ALUCA’s Board discretion we may be able to suspend your membership and allow you to retain continuous membership status, for a maximum of one year. You will receive a renewal notice at the end of your first year.

Student memberships

Student membership will cease once a full-time tertiary student completes their studies or if they move to part-time study. To obtain student membership proof and verification of full-time studies at a tertiary institution are required.

Further information can be found in the ALUCA constitution and code of conduct in the Members Centre.

Event terms and conditions

Program Amendments

Although every effort will be made to keep presentations as represented, ALUCA reserves the right to make any necessary changes to the program including cancelling the event where required.

Payment Terms

Invoices have a payment term of 14 days from the date of issue. All invoices must be settled prior to the event. Registrations received within 14 days of the commencement of the event need to be settled immediately and prior to the event. Failure to make payment as required may result in cancellation of registration.

Substitution, Cancellations and Refunds

All changes, substitutions and cancellations must be made in writing

Deadlines for refund of attendee registration fees

Up until 30 days prior to the event date – applies to ALUCA Biennial Conference, PD days and ALUCA’s Awards Night – and up until 15 days prior to the event date for all other events
A full refund will be provided for registration fees if notice is provided at least 30 days prior to the event date or if an event is cancelled by ALUCA or up until 15 days for all other ALUCA events. Other costs to delegates including flights and accommodation for the biennial conference and Awards night or other events will not be covered by ALUCA. Delegate substitutions may be made at any time subject to the communication to, and approval by, ALUCA. If a replacement delegate is not a member, the non-member fee will apply and the difference must be paid immediately and prior to the event.

Less than 30 days prior to the event – applies to ALUCA Biennial Conference, PD days and ALUCA’s Awards Night – and less than 15 days prior to the event date for all other ALUCA events
No refunds will be given for any cancellations within two weeks of the event or for non-attendance on the day, or for 30 days of the Biennial conference, PD days and Awards night. Delegate substitutions may be made at any time. If a replacement is not a member, the non-member fee will apply, and the difference must be paid immediately and prior to the event.

Recording of CPD points

ALUCA members who register for ALUCA events/forums on or before the registration closing date will have their CPD record updated automatically. Records will be updated at the completion of the event/forum. It is the responsibility of ALUCA members who register after the registration closing date to update their own CPD record manually. ALUCA members who have registered for an ALUCA event/forum but are unable to attend, are responsible for notifying ALUCA of non-attendance by emailing secretariatofficer@aluca.com. Records of attendance are maintained on file by ALUCA for auditing purposes.

Privacy notice

ALUCA is concerned with the protection of your privacy. We support the privacy principles contained in the Privacy Act 1988 (Cth), as amended. ALUCA collects and stores your personal information for the purposes of providing membership services, education and training programs. You can view ALUCA’s privacy policy on the ALUCA website.

For the purposes of the event: Your details may be provided to third parties directly related to the conference or event including the conference registration manager, venues and accommodation providers for the purpose of room bookings, catering needs and other conference options.

Communication from third parties: Event sponsors and exhibitors may be provided with delegate details following the event. Should you not wish for your details to be shared with the event sponsors and exhibitors contact us on (02) 9431 8654 or secretariatofficer@aluca.com

Image release: In registering for ALUCA events and conferences, delegates grant permission to ALUCA, its agents and others working under its authority, to take and to have full and free use of video/photographs containing their image/ likeness. It is understood these images may be used for promotional, news, online/ multimedia, research and/or educational purposes by and for ALUCA. Delegates agree that they are not entitled to remuneration, residuals, royalties or any other payment from ALUCA in respect of their image/likeness or its use. Delegates release, discharge, and hold harmless, ALUCA and its agents from any and all claims, demands or causes of actions that they may hereafter have by reason of anything contained in the photographs or video. Should a delegate not agree to the above image release, they must advise ALUCA by contacting (02) 9431 8654 or secretariatofficer@aluca.com

Health & Safety

The health and safety of ALUCA’s members, event attendees, volunteers and staff is paramount and all necessary precautions will be taken to minimise any and all risks.

When attending ALUCA events at a dedicated function centre the venue will implement and manage all the relevant federal, state and local regulations and protocols surrounding health, hygiene and social distancing. If the event is held within an organisation’s premise the occupant or business owner will ensure all the same protocols are adhered to.

ALUCA will ensure that the numbers of registrations to an in-person event do not exceed that of the venue’s capacities, based on the current social distancing requirements.

The attendee is responsible to ensure they are well and free from any infections or symptoms that may be passed onto others. If they do feel unwell they need to advise ALUCA to cancel their registration and not attend the event.

Attendees must comply with the required protocols, attendance recording and social distancing. Should an attendee not follow the stipulated protocols they may be required to leave the venue.

If attendees display symptoms of COVID-19 at an event then isolation protocols will be instigated and the relevant authorities contacted.