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Different types of occupations have different levels of risks, and you occupation group may affect the cost of your insurance premium. The following table shows how we categories different occupations, so you can get an idea of where you might fit. This table is a guide only, and the criteria may change at any time.
Product type
Professional
Occupations of a professional nature. To qualify in this category, you must:
• earn a salary of $80,000 pa or more
• only work in an office environment in an
occupation that requires no manual work
White collar
Occupations that require no manual work but do not otherwise meet the professional definition, for example:
• clerical or administrative roles
• managerial roles
• sales roles that don't involve travelling or making deliveries.
Light blue collar
Occupations that involve up to 20% manual activity. Examples include:
• retail sales representatives
• supervisors of manual workers who do not perform
any manual work themselves.
Medium blue collar
Skilled occupations with a moderate amount of manual
work. Workers must possess a trade certificate or
appropriate licence and have no unusual accident
hazard (such as working at heights above 15 metres,
underground or underwater). Examples include:
• electricians
• mechanics
• plumbers.
Heavy blue collar
Skilled occupations with a heavy amount of manual work, or where the potential for disability is high.
Examples include:
• bricklayers
• couriers
Heavy blue collar (death only)
Skilled occupations with a heavy amount of manual
work, where the potential for disability is high, or the potential for rehabilitation into other forms of employment is low. The insurer will restrict the cover to death only. Examples include:
• concreters
• plant operators
• tree surgeons
Uninsurable
Hazardous occupations or any other occupations
the insurer won't cover. Examples include:
• underground miners
• explosives handlers
• professional sports people.
Professional
To qualify in this category, you must:
• earn $80,000 pa or more a year
• only work in an office environment
• perform an occupation that requires
no manual work.
White Collar
Occupations that require no manual work but
do not otherwise meet the 'Professional' criteria. Examples include:
• clerical or administrative roles
• managerial roles
• sales roles that don't involve travelling
or making deliveries.
Light Blue Collar
Occupations that involve up to 20% manual
activity. Examples include:
• retail sales representatives
• supervisors of manual workers who do not
perform any manual work themselves.
Blue Collar
Occupations that involve more than 20% manual
work, such as cleaning, carpentry, plumbing, or
lifting items weighing over 5kg. Examples include:
• tradespeople
• delivery drivers
• mechanics.
Not eligible
Hazardous occupations or any other occupations
the insurer won't cover. Examples include:
• underground miners
• explosives handlers
• professional sportspeople.
Professional
To qualify in this category, you must:
• earn $80,000 pa or more a year
• only work in an office environment
• perform an occupation that requires
no manual work.
White Collar
Occupations that require no manual work but
do not otherwise meet the 'Professional' criteria.
Examples include:
• clerical or administrative roles
• managerial roles
• sales roles that don't involve travelling
or making deliveries.
Light Blue Collar
Occupations that involve up to 20% manual
activity. Examples include:
• retail sales representatives
• supervisors of manual workers who do not
perform any manual work themselves.
Blue Collar
Occupations that involve more than 20% manual
work, such as cleaning, carpentry, plumbing, or
lifting items weighing over 5kg. Examples include:
• tradespeople
• delivery drivers
• mechanics.
Not eligible
Hazardous occupations or any other occupations
the insurer won't cover. Examples include:
• underground miners
• explosives handlers
• professional sportspeople.
Rollover and Superannuation fund (please refer to your Rollover and Superannuation fund PDS)
For more detailed information
You can read more about premiums for super accounts by reading our insurance booklet:
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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.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 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 13 13 36.