OBS_VALUE: <ul><li><a href=https://www.legislation.gov.au/Details/C2020C00087 target=_blank>Life Insurance Act 1995-Compilation No. 55(Act No. 4 of 1995, Date of Assent: 23 February 1995, last amended 1 July 2019)</a></li><li><a href=https://www.legislation.gov.au/Details/C2019C00115 target=_blank>Insurance Contracts Act 1984(Act No. 80 of 1984, Date of Assent: 25 June 1984, last amended  13 March 2019, Part 5 - The contract)</a></li></ul>