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What are your insurance options?
We have several options with our employer insurance design
Your insurance options
Cover set by the government
If you’re in one of our Lifestage options, MySuper cover is the minimum level of Death and Total & Permanent Disablement (TPD) insurance your employer is required to offer you.
Employer selected cover
This cover is offered by your employer as part of your FirstChoice Employer Super plan. It goes beyond the minimum requirements of MySuper cover and is customised by your employer. It may include Death and TPD, Death & Terminal Illness and Salary Continuance Insurance cover.
Individual cover options
You can choose to increase or decrease your cover including investors selected cover, life events cover and spouse cover.
Investor selected cover
Investor selected cover lets you choose the cover that suits you – be it increased or decreased amounts. Depending on the options you choose, you may need to provide more health and lifestyle information to support your application. In some cases this will include a medical check.
Life events cover
Life events cover lets you top up your Death and TPD cover when major life events happen without having to go through medical checks. It could be handy for events like getting married, having a baby or buying a house.
Spouse cover
Your spouse can join and obtain insurance cover through the policy too (subject to underwriting).To find out more about the options available, take a look at the insurance booklet.
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Get in touch
For technical enquiries contact us 8:30am - 6pm AEST Monday to Friday.
Employer use only
Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the issuer of FirstChoice Employer Super offered from the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557.
This document may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at www.cfs.com.au/tmd, which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. You can get the PDS and FSG at www.cfs.com.au or by calling us on 1300 654 666. All applications for these products must be on the application form attached to the PDS, which can be completed online (other than for FirstChoice Employer Super) or on paper. Applications for FirstChoice Employer Super can be made by speaking to your employer or Relationship Manager (RM). Past performance is no indication of future performance.
The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). AIA Australia is not part of the Commonwealth Bank Group or CFS. The respective insurance covers are provided under policies issued to the Trustee.
*As at December 2020, 2 As at March 2021