Your clients are covered for pandemics

Your clients are covered for pandemics

including Coronavirus

including Coronavirus


In these uncertain times, Colonial First State remains focused on supporting you and your clients and we wanted to let you know that the insurance
available through our super funds covers members for the Coronavirus pandemic. 

Your clients who have Death, Total and Permanent Disablement (TPD), Salary Continuance Insurance or Income Protection (LifeProtect insurance in FirstWrap) in their account will be covered if they pass away, become disabled or are unable to work due to illness or injury during the current Coronavirus pandemic.

Your clients’ insurance cover may be affected if their working arrangements have changed due to Coronavirus

If your clients’ work arrangements have been affected by Coronavirus, the amount they can claim may be impacted. These include:

  • Reduced working hours or changes to job status TPD and Salary Continuance Insurance/Income Protection
  • Reduced income and impact on pre-disability income for Salary Continuance Insurance/Income Protection
  • Reduced salary and impacts on death, TPD and Salary Continuance Insurance/Income Protection sums insured
  • Being stood down from employment (where employment contract has not ceased)
  • Government support payments and impact on Salary Continuance Insurance/Income Protection cover (JobKeeper and JobSeeker).


In the event of a claim, your client’s assessment will be based on their work arrangements (if they have been affected by Coronavirus) as at 11 March 2020# and will apply on claimable events between 11 March 2020 and 27 September 2020 for Salary Continuance Insurance (SCI)/Income Protection and 11 March 2020 and 1 January 2021 for Total and Permanent Disablement (TPD) cover^. After these dates the standard policy terms will apply.


# 11 March 2020 is the date the World Health Organisation declared coronavirus to be a global pandemic.


^ For TPD cover, the Financial Services Council (FSC) announced on 27 July 2020 the extension of claimable events to 1 January 2021. This applies to members who lose their job, have been stood down or have their working hours reduced due to COVID-19.

What do my clients need to do?

Read our Fact Sheet and Frequently Asked Questions for members for more information on these measures, including:

  • How claims will be assessed,
  • How a clients’ salary affects their sum insured, and
  • The effects of JobSeeker and JobKeeper payments on Salary Continuance benefit payments.

Need more information?

For FirstChoice enquiries, please contact your local Business Development Team or call us on 13 18 36, 8am to 7pm, Monday to Friday, Sydney time.

For FirstWrap enquiries, please speak to your local Business Development Team or contact FirstWrap Service and Support on 1300 769 619, 8am to 7pm, Monday to Friday, Melbourne time if you’d like more information.


Adviser use only

Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (Colonial First State) is the issuer of FirstChoice Personal Super, FirstChoice Wholesale Personal Super, FirstChoice Pension, FirstChoice Wholesale Pension, FirstChoice Employer Super offered from the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557. It also issues interests in the Rollover & Superannuation Fund (ROSCO) and Personal Pension Plan (PPP) offered from the Colonial First State Rollover & Superannuation Fund ABN 88 854 638 840. Colonial First State also issues interests in products made available under FirstChoice Investments and FirstChoice Wholesale Investments. Colonial First State Custom Solutions is the registered business name of Avanteos Investments Limited ABN 20 096 259 979, AFS Licence 245531 (AIL). AIL is the trustee of the Avanteos Superannuation Trust ABN 38 876 896 681 which includes FirstWrap Plus Super and Pension, and is the operator of The Avanteos Wrap Account Service which includes FirstWrap Plus Investments.


Colonial First State and AIL are wholly owned subsidiaries of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945 (the Bank). The Bank and its subsidiaries do not guarantee the performance of FirstChoice and AIL products or the repayment of capital for your investment.


This document is based on the understanding of current regulatory requirements and laws as at July 2020. While all care has been taken in the preparation of this document (using sources believed to be reliable and accurate), to the maximum extent permitted by law, no person including Colonial First State or any member of the Commonwealth Bank group of companies, accepts responsibility for any loss suffered by any person arising from reliance on this information. This document contains general information strictly for adviser use only and is not to be handed to any investor. This document may include general advice but does not take into account any person’s individual objectives, financial situation, needs or taxation circumstances. You should read the relevant Product Disclosure Statement (PDS) or Investor Directed Portfolio Service Guide (IDPS Guide) before making an investment decision and consider talking to a financial adviser. FirstChoice PDSs can be obtained from or by calling 13 13 36 and FirstWrap PDSs and IDPSs can be obtained from


The insurance provider is The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809 (CMLA), trading as CommInsure, a wholly owned but nonguaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFS Licence 234945 (‘the Bank’). The Bank has agreed to divest CMLA to the AIA Group, with the transaction due to complete in 2020. Prior to divestment, the Bank and AIA Australia Limited (which is part of the AIA Group) will have entered into a Joint Cooperation Agreement, under which AIA Australia Limited will have an appropriate level of direct management and oversight of the CMLA business. ‘CommInsure’ is used under licence by CMLA.

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