Send to a Friend

Death and TPD insurance cover

A snapshot of First State Super’s insurance arrangements

If you apply for insurance cover your application is subject to the insurer assessing your evidence of health and personal information. While your application is being assessed, you will be covered for death and disability (if applicable) by accident. Please refer to the Product Disclosure Statement. You will be advised in writing of the insurer's decision. For more information please read the Product Disclosure Statement for your division.

	Employer sponsored members	Personal members
	Generally, this means your employer joined you	Generally, this mean you joined yourself by signing an application form
Automatic Basic insurance cover
A choice of 3 units of: death and TPD cover, or death-only cover The amount of cover is based on age and employer category.
Application for additional insurance cover
You may apply for additional: death and TPD cover, or death-only cover You have a choice of: units of additional cover and/or a fixed dollar amount of cover	AND you must have at least one unit of Basic cover.
Special offers
Basic Plus You can apply for an insurance category rating that will, at no extra cost, either: increase your cover (for units of cover), or reduce the premiums you pay (for fixed cover) You must: you must work in a low-risk clerical or management occupation and earn more than $80,000 a year (including SG), and the $80,000 per year may be adjusted on a pro-rata basis if you are a part-time employee.
Start up bonus This is a limited opportunity for you to apply for an extra three units of cover and the opportunity to apply for additional cover (above the 3 automatic and 3 bonus units) to a total value of 10 times `salary’ or $1,000,000, whichever is less. You don't have to provide the extra information ordinarily required if you were applying for additional insurance, and You must have 3 units of basic cover, and We must receive your application within 180 days of us receiving your first SG contribution
Transferring cover to First State Super At any time you may apply to have up to $10 million in death and $5 million TPD cover that you have through another super fund or life policy, transferred to First State Super. You don't have to provide the extra information ordinarily required if you were applying for additional insurance NOTE: If your application is accepted, you are responsible for canceling your cover with the other fund.
Ambulance Officers’ Super insurance cover	For eligible Officers of the Ambulance Service of NSW.
Police Blue Ribbon Super insurance cover	For eligible NSW police officers.