DPI is a type of life insurance product that you can buy directly from insurance companies, without paying any commissions. You do not need to pay commissions because these products are sold without any financial advice. Please read the fact sheet together with the cover page, policy illustration, product summary, bundled product disclosure (if applicable) policy contract and product brochures (if available) carefully before buying any DPI. A checklist is also provided to help you in your purchase of a DPI.