Discover the answers to commonly asked questions regarding super.

Make or update a non-lapsing death benefit nomination

A non-lapsing nomination gives you more certainty over who your super or pension goes to.

Understanding the basics 
of super contributions

Your super contributions can help you build long-term savings for your retirement.

What beneficiary type 
should I nominate?

Your super savings can have a major impact on your family should you pass away, so keep your beneficiary details up to date.

Choosing the right type of cover

Having insurance through your super has a number of benefits, but it's important to regularly review so it’s right for you.

Insurance with 
your super account

Insurance can help financially protect you and your family if something unexpected happens.

What happens if 
I'm leaving Australia?

Be sure to keep track of any super contributions you’ve made while working here.

Transfer your cover

We’ve made transferring your cover simple and straightforward.

How our premiums work

Premiums are regular payments made by you in exchange for insurance cover. You can better manage insurance in your super with a good understanding about how premiums work. 

Make or update a reversionary beneficiary nomination

Allows you to feel secure in knowing that if you were to pass away—your pension will 
go straight to the person you nominated.

Fees and other costs in super

The value of your super can be affected by fees and other costs. So it’s important to understand what you can expect to pay.

Find out what documents you need to start your claim

Depending on your claim, we would need the following documents to start the claim process. We’ll also advise if other documents are required to proceed with the claim process. The forms you need to start your claim are available online here. 

Changes to insurance

Insurance premium rate reductions and improvements to our insurance offer are effective 1 February 2022 for most FirstChoice Employer Super members and 15 February 2022 for FirstChoice Personal Super and FirstChoice Wholesale Personal Super members. 

Useful tools

Budget Tool

Budget Tool

If you’re planning your financial future, a great place to start is to understand where you are today.

Retirement Calculator

Retirement Calculator

Quickly and easily estimate how much super you may have in retirement and how much you may need.

Find an adviser

Find an adviser

Call us or talk to an adviser about your Super needs today.


Unleash in ways you never thought possible

Get in touch

Get in touch with us online or call us

18 - 20 December 8.30am to 5pm AEST

21 - 22 December, 9am to 3pm AEST

27 - 29 December, 9am to 3pm AEST

2 - 5 January, 8.30am to 5pm AEST

Find a financial adviser

Use our tool to find professional financial advice,

local to you.





Download mobile app

Track your balance and see your 

transactions history from anywhere.





Things you should know

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.