Not your average insurance in super

<!DOCTYPE HTML> <html lang="en"> <head> <meta charset="UTF-8"/> <title>Not your average insurance in super</title> <meta name="template" content="employer-page"/> <meta name="viewport" content="width=device-width, initial-scale=1.0"/> <meta name="pageName" content="cfs:employer:insurance-for-employers:first-choice-employer-super-insurance"/> <meta property="date-published" content="Sun Nov 19 11:43:20 UTC 2023"/> <meta property="date-modified" content="Thu Feb 06 02:35:13 UTC 2025"/> <script defer="defer" type="text/javascript" src="/.rum/@adobe/helix-rum-js@%5E2/dist/rum-standalone.js"></script> <link rel="stylesheet" href="/etc.clientlibs/cfs-winged/clientlibs/clientlib-dependencies.lc-d41d8cd98f00b204e9800998ecf8427e-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/cfs-winged/clientlibs/clientlib-site.lc-3c9a6eb73f005ee154abe14b2babdcd1-lc.min.css" type="text/css"> <link rel="stylesheet" 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</nav> <nav class="Header__DrawerMenu" aria-label="We have a new clearing house"> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src="/content/dam/cfs-winged/images/employer/super/superchoice-fces-mega-menu-tile-264x130.png"/></img> </div> <div class="promo-tile-title"> We have a new clearing house </div> <div class="promo-tile-description"> Introducing our fast and secure CFS FirstChoice Employer Super Clearing House. </div> <div class="promo-tile-button"> <a class="promo-button" style="text-decoration: none !important;" href="/employer/fces-clearing-house">Find out more</a> </div> </div> </nav> </div> <div class="aem-Grid aem-Grid--xs--12"> </div> </div> </div> </div> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus">  <div class="Header__SubMenu" data-id="Super" data-level="1" data-active="false"> <div 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<span>Employee benefits</span> </a> </li> <li class="Header__SubMenuItem" data-level="1" data-has-children="true"> <a data-cmp-hook-header="mobileMenuItem" data-target-id="-Help" href="/about-us/contact-us" class="Header__SubMenuHeading"> <span>Help</span>  </a> </li>  <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="https://www.cfs.com.au/about-us.html#fund-details"> <span>USI ABN</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/employer/guidance/how-to-pay-super"> <span>Pay super</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/personal/resources/find-a-form/find-a-form"> <span>Forms</span> </a> </li> <li class="Header__SubMenuItem"> <a class="Header__SubMenuLink" href="/employer/resources/employer-insights-news"> <span>News and insights</span> </a> </li>  </ul> <div class="promo-tile-container"> <div class="promo-tile-image"> <img src="/content/dam/cfs-winged/images/employer/super/superchoice-fces-mega-menu-tile-264x130.png"/></img> </div> <div class="promo-tile-title"> We have a new clearing house </div> <div class="promo-tile-description"> Introducing our fast and secure CFS FirstChoice Employer Super Clearing House. </div> <div class="promo-tile-button"> <a class="promo-button" href="/employer/fces-clearing-house">Find out more</a> </div> </div> </div>     </div> </li> <li class="Header__PrimaryMenuItem" data-cmp-hook-header="megamenuItem" data-active="false" data-has-children="true"> <div class="Header__PrimaryMenuButton"> <button x-cq-linkchecker="valid" data-cmp-hook-header="megamenuOpen" data-target-id="Insurance"> <span>Insurance</span> <i class="iconfont-chevron-down" aria-hidden="true"></i> </button> </div> <div class="Header__Drawer"> <div class="Header__DrawerContainer"> <div class="aem-Grid aem-Grid--xs--12"> <div class="aem-GridColumn aem-GridColumn--offset--xs--0 aem-GridColumn--xs--12"> <div 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href="https://www.cfs.com.au/content/dam/prospects/fs/8/5/fs856.pdf">Policy Committee Guide</a> </li> </ul> </nav> <nav class="Header__DrawerMenu" aria-label="Help"> <a class="Header__DrawerMenuHeading" href="/about-us/contact-us">Help</a> <ul class="Header__DrawerMenuList"> <li class="Header__DrawerMenuItem"> <a class="Header__DrawerMenuLink" href="/employer/service-and-support/corporate-super-specialist">Contact a Relationship Manager</a> </li> </ul> </nav> </div> <div class="aem-Grid aem-Grid--xs--12"> </div> </div> </div> </div> <button class="Header__DrawerClose" data-cmp-hook-header="megamenuClose"> <span>Close menu</span> <i class="iconfont-close" aria-hidden="true"></i> </button> </div> </div> <div class="Header__SubMenus">  <div class="Header__SubMenu" data-id="Support" data-level="1" data-active="false"> <div class="Header__SubMenuBack"> <button data-cmp-hook-header="mobileMenuBack"> <i class="iconfont-chevron-down" aria-hidden="true"></i> <span>Back</span> </button> </div> 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class="HeroHeading__MediaWrapper"> <div class="HeroHeading__Gradient"> <picture class=" HeroHeading__Picture HeroHeading__Picture--show-desktop HeroHeading__Picture--show-mobile "> <source media="(max-width: 767px)" srcset="/content/dam/cfs-winged/images/hero-banner-images/mobile/employer-insurance-banner.jpg "/> <img srcset="/content/dam/cfs-winged/images/hero-banner-images/desktop/employer-insurance-banner.jpg " alt="Guy in suit standing and smiling with hands in pocket" role="presentation"/> </picture> </div> </div> <div class="HeroHeading__Content"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--md--6 aem-GridColumn--lg--8"> <h1 class="title1 HeroHeading__Heading"> <span> Not your average<br>insurance in super </span> </h1> </div> </div> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--md--8 aem-GridColumn--lg--7 aem-GridColumn--xxl--6"> </div> </div> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12"> <div class="HeroHeading__Actions"> <a data-tracker-locationid="Contact a Relationship Manager" href="/employer/service-and-support/corporate-super-specialist" data-theme="black" class=" Button Button--theme-black Button--type-solid "> <span class="Button__Label"> Contact a Relationship Manager </span> </a> </div> </div> </div> </div> </div> </div> </div> <div class="HeroHeadingText HeroHeadingText--theme-none"> <div class="HeroHeadingText__Wrapper"> <div class="aem-Grid aem-Grid--12"> <div class="aem-GridColumn aem-GridColumn--xs--12 aem-GridColumn--md--8 aem-GridColumn--centered"> <div class="HeroHeadingText__Content" style="max-width: 1200px;"> <h2> Customised cover with one of the strongest claim records in the industry </h2> </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-83c9c99d92" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-sm 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 "> </div> </div> </div> </div> </div> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="three-column-container-cb6f8ea7bb" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-none container--padding-bottom-lg 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 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--tablet--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--4"> <link rel="stylesheet" href="/etc.clientlibs/cfs-winged/components/content/cardcentre/clientlibs.lc-088b11a9cc7185c85269e411428a1e63-lc.min.css" type="text/css"> <link rel="stylesheet" href="/etc.clientlibs/cfs-winged/common/content/card/clientlibs.lc-a228331d15086b99e0c9b81b0f7cf75f-lc.min.css" type="text/css"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container horizondalLine "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/animated-resized/freedom-160x120.gif" alt="We have your team covered"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> We have your team covered </span> </h3> <div class="CardPromo__ContentCopy"><p>With our insurance in super, your team can be automatically covered, without needing to provide any medical information.</p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="View options" href="/employer/super/insurance/your-insurance-options" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> View options </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container horizondalLine "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/animated-resized/leadership-160x120-v2.gif" alt="Insurance cover you can trust"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Insurance cover you can trust </span> </h3> <div class="CardPromo__ContentCopy"><p>94% of claims were accepted for FirstChoice Employer Super in the 12-month period to June 2024.<sup>1</sup></p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Claims process" href="/personal/resources/faqs/superannuation/make-a-claim" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Claims process </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--12 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container horizondalLine "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/animated-resized/network-160x120.gif" alt="You’re in good hands"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> You’re in good hands </span> </h3> <div class="CardPromo__ContentCopy"><p>We’ve partnered with insurance experts, AIA, to provide affordable and comprehensive cover.</p> <p> </p> </div> <div class="CardPromo__Buttons"> <div class="CardPromo__Button"> <a data-tracker-locationid="Contact a Relationship Manager" href="/employer/service-and-support/corporate-super-specialist" data-theme="black" class=" Button Button--theme-black Button--type-outlineNoBg "> <span class="Button__Label"> Contact a Relationship Manager </span> </a> </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-616786477a" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-sm container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--grey-9 "> <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-ec155de741" class="cmp-title"> <h3 class="cmp-title__text text--center colour-- h3">Insurance that's good for you. And even better for your team.</h3> </div> </div> </div> </div> </div> </div> </div> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="three-column-container-87b045eb97" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-lg container--padding-right-none container--padding-left-none container--row-spacing-sm container--gridGutters-on container--mobile-order-0 background--grey-9 "> <div class="margin"> <div class="wrapper"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical CardPromo--minHeightNoImg "> <div class="CardPromo__Container verticalLine"> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Rapid response </span> </h3> <div class="CardPromo__ContentCopy"><p>With our rapid response times and processes, we ensure your employees get the support they need as quickly as possible. </p> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical CardPromo--minHeightNoImg "> <div class="CardPromo__Container verticalLine"> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Recover well </span> </h3> <div class="CardPromo__ContentCopy"><p>Your employees can access proven services and programs to help them in their recovery and to get back on their feet including specialist treatment programs, such as CancerAid and Pain Coaching.</p> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical CardPromo--minHeightNoImg "> <div class="CardPromo__Container "> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Care more </span> </h3> <div class="CardPromo__ContentCopy"><p>We know work is more than an income. It supports people’s identity and sense of purpose. Which is why we offer AIA’s world-class wellbeing programs to support your employees’ health at every stage of their lives.</p> </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-152db3924f" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-lg container--padding-bottom-sm 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 "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div id="title-cef6b8a521" class="cmp-title"> <h3 class="cmp-title__text text--center colour-- h3">Insurance that flexes to suit your business </h3> </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__Buttons"> <div class="TextAndButtons__Button"> <a data-tracker-locationid="Contact a Relationship Manager" href="/employer/service-and-support/corporate-super-specialist" data-theme="blue" target="_blank" ref="noreferrer noopener nofollow" class=" Button Button--theme-blue Button--type-solid "> <span class="Button__Label"> Contact a Relationship Manager </span> </a> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="three-column-container-40b0dde32e" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-sm container--padding-bottom-lg 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 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container verticalLine"> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/funnel-160x120.png" alt="Different types of cover for different types of work"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> Different types of cover for different types of work </span> </h3> <div class="CardPromo__ContentCopy"><p>We know that different occupations are better suited to different types of protection, which is why we enable you to tailor cover that’s right for your industry and your team.</p> <p> </p> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container verticalLine"> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/intelligence-160x120.png" alt="We have your needs covered"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> We have your needs covered </span> </h3> <div class="CardPromo__ContentCopy"><p>We offer your team a range of insurance options, so they can determine which cover works best for them:</p> <p>• Death cover (also known as life cover)</p> <p>• Total and Permanent Disablement cover (TPD)</p> <p>• Salary Continuance Insurance (SCI) </p> </div> </div> </div> </div> </div> </div> </div> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--tablet--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="cardcentre card aem-GridColumn--tablet--12 aem-GridColumn--offset--tablet--0 aem-GridColumn--phone--12 aem-GridColumn--tablet--none aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="cardPromo" class=" CardPromo CardPromo--layout-vertical "> <div class="CardPromo__Container "> <div class="CardPromo__Image"> <img src="/content/dam/cfs-winged/images/pictograms/static-resized/insights-160x120.png" alt="When life changes, you can change"/> </div> <div class="CardPromo__Content"> <h3 class="CardPromo__Heading"> <span x-cq-linkchecker="valid"> When life changes, you can change </span> </h3> <div class="CardPromo__ContentCopy"><p>We understand your team may benefit from different levels of cover around different life events including getting married, or a new baby. Which is why, with no underwriting required, adjusting cover is as simple as getting in touch. </p> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> </div> <div class="experiencefragment aem-GridColumn aem-GridColumn--default--12"> <div id="experiencefragment-b6c0ea6fcd" class="cmp-experiencefragment cmp-experiencefragment--employer"> <div id="container-b1f00f028e" class="cmp-container"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 "> <div class="container responsivegrid aem-GridColumn aem-GridColumn--default--12"> <div data-cmp-is="container" id="container-fbcc1dd13f" 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 "> <div class="title aem-GridColumn aem-GridColumn--default--12"> <div id="title-dfe7fbe09a" class="cmp-title"> <h2 class="cmp-title__text text--center colour-- h2">Unleash in ways you never thought possible</h2> </div> </div> <div class="three-column-container container responsivegrid aem-GridColumn--default--none aem-GridColumn aem-GridColumn--default--12 aem-GridColumn--offset--default--0"> <div data-cmp-is="container" id="three-column-container-36e8f6f6a6" 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-sm container--gridGutters-on container--mobile-order-0 background-- "> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="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"> <div class="aem-Grid aem-Grid--12 aem-Grid--default--12 aem-Grid--phone--12 "> <div class="responsivegrid aem-GridColumn--default--none aem-GridColumn--phone--none aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--offset--phone--0 aem-GridColumn--offset--default--0 aem-GridColumn--default--4"> <div class="aem-Grid aem-Grid--4 aem-Grid--default--4 aem-Grid--phone--12 "> <div class="container responsivegrid aem-GridColumn--phone--12 aem-GridColumn aem-GridColumn--default--4"> <div data-cmp-is="container" id="container-18367f375f" data-overlap-top="0" data-overlap-bottom="0" class=" container container--padding-top-md 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--4 aem-Grid--default--4 "> <div class="title aem-GridColumn aem-GridColumn--default--4"> <div id="title-132aa59033" class="cmp-title"> <h5 class="cmp-title__text text--center colour-- h5">Get in touch</h5> </div> </div> <div class="text aem-GridColumn aem-GridColumn--default--4"> <div id="text-5606159ed0" class="cmp-text"> <p style=" text-align: center; 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"><b>Employer use only</b></p> <p style=" text-align: left; ">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. </p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">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 <a title="TMD" data-tracker-locationid="cfs | disclaimer1-wwwcfscomautmd" href="/personal/products/target-market-determinations">www.cfs.com.au/tmd</a>, 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 <a title="CFS" data-tracker-locationid="cfs | disclaimer1-wwwcfscomau" href="/home">www.cfs.com.au</a> 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.</p> <p style=" text-align: left; "> </p> <p style=" text-align: left; ">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. 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