Our insurance cover is flexible, giving you the freedom to choose a level of cover to suit your needs. You can also apply for extra protection if you need it.
What are your 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 elected 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’s handy for events like getting married, having a baby or buying a house.
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 our the insurance booklet.