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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Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557 and issuer of FirstChoice range of super and pension products. Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the responsible entity and issuer of products made available under FirstChoice Investments and FirstChoice Wholesale Investments.


Information on this webpage is provided by AIL and CFSIL. It 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 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 or by calling us on 13 13 36.


*As at December 2020, 2 As at March 2021