Support your employees and their loved ones with real peace of mind
Why insurance in super matters
Life is unpredictable and events like serious illness, injury or death can affect employees and their families. Insurance in super offers essential financial protection during these times.
Insurance inside FirstChoice Employer Super provides flexible insurance options to suit your employees’ needs. Please see the FirstChoice Employer Super Insurance Booklet for more information.
Cost-effective
Premiums can be lower if all members are covered.
Automatic insurance cover
No medical checks or underwriting required for members.
Tax benefits
Premiums are paid directly from the super account.
Expert insurance, backed by AIA
FirstChoice Employer Super partners with AIA Australia (AIA) to provide a comprehensive range of insurance options that help protect your employees and their families.
Trusted expertise
With over 53 years* of experience in life and health insurance, AIA delivers innovative solutions and a simple, transparent claims process.
A holistic approach
AIA’s strategy is to reimagine insurance - integrating life, health and wellbeing into one customer value proposition.
Partnering with employers for better outcomes
When illness or injury keeps employees away from work, it impacts more than just productivity, it affects people, teams and business continuity.
We, in partnership with AIA, can assist with:
- Early intervention to support your employees in their recovery journey
- Absence management programs tailored for your business
- Manager training to provide proactive mental health support to employees
- Guidance for complex health conditions and navigating the claims process
- Guidance in assisting employees getting back to work safely
Feel better, recover faster with AIA Embrace
AIA Embrace is a range of health and wellbeing programs that make living well simpler and more accessible.
Delivered online or over the phone, these programs and partnerships are easy to access, confidential and proven to help.
These services are provided to your employees through your FirstChoice Employer Super plan's insurance at no extra cost, and no extra hassle.
Frequently asked questions
Under super law, a minimum level of Death and Total and Permanent Disablement (TPD) cover is required. The MySuper cover option available in FirstChoice Employer Super provides this minimum level. However, with the flexible options inside FirstChoice Employer Super, you can tailor the insurance design to suit your employees needs.
Please see the FirstChoice Employer Super Insurance Booklet for more information.
Employer‑selected cover is the insurance you choose for your employees through your FirstChoice Employer Super plan. It goes beyond the minimum MySuper requirements and can include Death only cover (includes Terminal Illness), Death and TPD cover, and/or Salary Continuance Insurance (SCI) cover.
Employees can choose to increase or reduce their cover. This includes increasing cover after certain life events or transferring insurance from another super fund or life insurance policy.
Investor selected cover is cover your employee can apply for, this may include a particular type of cover or an increase to existing cover. Cover is subject to acceptance by the insurer.
Life events cover allows employees to increase their Death and TPD cover after major life changes—such as getting married or buying a home—without needing medical checks.
Yes. Spouses of employee members can join FirstChoice Employer Super and apply for insurance. Cover is subject to the insurer’s acceptance.
We're here to help
Get in touch
For technical enquiries contact us 8:30am - 6pm AEST Monday to Friday.
*As at December 2020, 2 As at March 2021
Employer use only
Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the issuer of FirstChoice Employer Super offered from the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557.
This document 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 www.cfs.com.au/tmd, 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 www.cfs.com.au or by calling us on 1300 654 666. All applications for these products must be on the application form attached to the PDS, which can be completed online (other than for FirstChoice Employer Super) or on paper. Applications for FirstChoice Employer Super can be made by speaking to your employer or Relationship Manager (RM). Past performance is no indication of future performance.
The insurance provider is AIA Australia Limited ABN 79 004 837 861, AFSL 230043 (AIA Australia). AIA Australia is not part of the Commonwealth Bank Group or CFS. The respective insurance covers are provided under policies issued to the Trustee.