Depending on your super account, you may already have insurance.

But you should review your insurance—it may be too much or too little.


  • Speak with a financial adviser to understand differences between holding insurance inside or outside your super.
  • Assess if your needs have changed since you took out your current insurance.
  • Consider if your insurance meets your needs.
  • If you plan to switch insurance providers, you should ensure the replacement cover is in place before cancelling your existing cover. 

We can help you find an adviser, if you don’t have one.

Understanding insurance

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


Manage your insurance and make a claim

We understand you may be experiencing a difficult time. Here some things you can do now:

Got automatic cover as a FirstChoice Employer Super member?

Download the FirstChoice Employer Super Key Facts Sheet to help you better understand and compare the automatic insurance cover you received when you joined us through your employer.

Product Disclosure Statements (PDS) & insurance booklets

Unleash in ways you never thought possible

Get in touch

Get in touch with us online or call us
8:30am to 6pm AEST Monday to Friday.

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.

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.


The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia, the ‘Insurer’). AIA Australia is part of the AIA Group. The respective insurance covers are provided under policies issued to the trustee.


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.