Insurance in superannuation explained

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class="HeaderBanner__Heading"> <h1 class="hero2">Understanding insurance<br />in your super</h1> </div> </div> </div> </div> </div> </div> <div class="wrapper HeaderBanner__ImageWrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="HeaderBanner__Image "> <img class="HeaderBanner__Image__Desktop " src="/content/dam/cfs-winged/images/header-banners-batch-2/tier2_silo.jpg" alt=""/> <img class="HeaderBanner__Image__Mobile" src="/content/dam/cfs-winged/images/header-banners-batch-2/tier2_mobile_silo_327.jpg" alt=""/> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-13515fa8b1" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-ae8f850695" class="cmp-text"> <h4 style=" text-align: center; ">Depending on your super account, you may already have insurance.</h4> <h4 style=" text-align: center; "><br /> But you should review your insurance—it may be too much or too little.</h4> <h4 style=" text-align: center; "> </h4> </div> </div> </div> </div> </div> </div> </div> <div class="divider container responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0"> 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data-title="Things to consider"> <div class="Accordion__ItemHeaderIcon"> <i class="iconfont-chevron-up" aria-hidden="true"></i> <i class="iconfont-chevron-down" aria-hidden="true"></i> </div> <div class="Accordion__ItemHeaderTitle p2">Things to consider</div> </button> <div class="Accordion__ItemPanel" id="accordion-e1302487d7-item-e682ef0a13-panel" role="region" aria-labelledby="accordion-e1302487d7-item-e682ef0a13-header"> <div class="Accordion__ItemPanelWrapper"> <div class="Accordion__ItemPanelContent"> <div data-cmp-is="container" id="container-e682ef0a13" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-none container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--8 aem-Grid--default--8 "> <div class="text aem-GridColumn aem-GridColumn--default--8"> <div id="text-8de3720eeb" class="cmp-text"> <ul><li>Speak with a financial adviser to understand differences between holding insurance inside or outside your super.</li><li>Assess if your needs have changed since you took out your current insurance.</li><li>Consider if your insurance meets your needs.</li><li>If you plan to switch insurance providers, you should ensure the replacement cover is in place before cancelling your existing cover. </li></ul> <p>We can help you <a href="https://cfs.findadviser.com.au/home.html" title="Find an adviser">find an adviser</a>, if you don’t have one.</p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-4fe4ef302e" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background--grey-4 "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div id="title-6a9912172b" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Understanding insurance</h2> </div> </div> <div class="text aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div id="text-4b040c4aef" class="cmp-text"> <p style=" text-align: center; ">Insurance in your super can help financially protect you and your family if something unexpected happens.<br /> </p> <p> </p> </div> </div> <div class="cardlist aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div class="CardList" data-cmp-is="cardList"> <ul> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="/super/insurance-for-super" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> Learn about insurance in super <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="/personal/resources/faqs/superannuation/how-premiums-work0" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> How premiums work <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="/personal/resources/faqs/superannuation/Choose-your-cover" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> How to choose the right cover <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="/personal/resources/faqs/superannuation/Who-is-our-insurance-provider" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> Who is the insurance provider? <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="/employer/super/insurance/insurance-in-super-code" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> Insurance in super voluntary code of practice <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> 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aem-GridColumn--offset--phone--0"> <div id="text-b8b4636e68" class="cmp-text"> <p style=" text-align: center; ">We understand you may be experiencing a difficult time. Here some things you can do now:</p> </div> </div> <div class="cardlist aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--8 aem-GridColumn--offset--default--2 aem-GridColumn--offset--phone--0"> <div class="CardList" data-cmp-is="cardList"> <ul> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="/personal/resources/faqs/superannuation/transfer-your-cover0" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> Transfer your cover <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="/personal/resources/faqs/superannuation/Apply-for-new-or-additional-insurance-cover" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> Apply for more cover <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="/personal/resources/faqs/superannuation/reduce-or-cancel" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> Reduce or cancel your cover <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> <li class="CardList__Item"> <div class="CardRow" data-cmp-is="cardRow"> <a href="/personal/resources/faqs/superannuation/make-a-claim" target="_blank" class="CardRow__Container"> <div class="CardRow__Content"> <h3 class="p2 CardRow__SmallHeading"> Make a claim <i class="iconfont-chevron-down-right" aria-hidden="true"></i> </h3> </div> </a> </div> </li> </ul> </div> </div> </div> </div> </div> </div> </div> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-5fcabf9e9f" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-md container--padding-right-none container--padding-left-none container--row-spacing-none container--gridGutters-on container--mobile-order-0 background--grey-4 "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div id="title-75fa438740" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Got automatic cover as a FirstChoice Employer Super member?</h2> </div> </div> <div class="textandbuttons aem-GridColumn aem-GridColumn--default--12"> <div class=" TextAndButtons TextAndButtons--alignment-center"> <div class="container"> <div class="wrapper"> <div class="TextAndButtons__Text p3 rte"> <p>Download the FirstChoice Employer Super Key Facts Sheet to help you better understand and compare the automatic insurance 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href="https://www.colonialfirststate.com.au/forms_tools/download_multi_pdf.aspx?name=FirstChoice+Wholesale+Personal+Super+and+Pension+PDS&pdf=FS5735.pdf%2CFS6080.pdf%2CFS7870.pdf%2CFS7869.pdf%2CFS4329.pdf%2CFS5737.pdf%2CFS5383.pdf%2CFS6814.pdf&LiteratureId2520=&adobe_mc=MCMID%3D34254060079023723221173996784990888436%7CMCORGID%3DAB765EB55C544D790A495CFA%2540AdobeOrg%7CTS%3D1685680662" target="_blank" rel="noopener noreferrer">FirstChoice Wholesale Personal Super</a><br /> <a data-tracker-locationid="cfs | imageandtext3-cfsimageandtext3firstwraplifeprotectofferdocuments" href="https://www.firstwrap.com.au/cgi-bin/common.exe?iAction=305&sPage=IXSITE_HomePageLinks.htm&sHeader=Offer%20documents" target="_blank" rel="noopener noreferrer">FirstWrap LifeProtect offer documents</a><br /> <a data-tracker-locationid="cfs | imageandtext3-cfsimageandtext3cfsimageandtext3cfsimageandtext3firstchoiceemployersuper" 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