FOLD FOLD Insurance Protection for the ones you love no matter … · 2019-05-23 · FOLD FOLD FOLD...

6
Insurance Insurance that’s all about you

Transcript of FOLD FOLD Insurance Protection for the ones you love no matter … · 2019-05-23 · FOLD FOLD FOLD...

Page 1: FOLD FOLD Insurance Protection for the ones you love no matter … · 2019-05-23 · FOLD FOLD FOLD FOLD Disclaimer: This is general information only and does not take into account

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Disclaimer: This is general information only and does not take into account your specific objectives, financial situation or needs. Seek professional financial advice, consider your own circumstances and read our product disclosure statement before making a decision about First State Super. Call us or visit our website for a copy. Issued by FSS Trustee Corporation ABN 11 118 202 672, AFSL 293340, the trustee of the First State Superannuation Scheme ABN 53 226 460 365. Financial planning services are provided by our financial planning business State Super Financial Services Australia Limited, trading as StatePlus, ABN 86 003 742 756, AFSL No. 238430. StatePlus is wholly owned by First State Super.

Insurance

We’re here to help Remember, we’re here to help protect you and your family so you can feel confident no matter what the future brings.

Go to firststatesuper.com.au Call us on 1300 650 873 Drop into one of our local branches

We’re an award-winning fundWe don’t exist to win awards, but it feels good to be recognised by industry peers for doing what matters most to us – building a better future for all Australians.

Life doesn’t always go as planned. Illness, injuries and other challenges can arise that make it hard to carry on without some extra support, especially with your finances.

While insurance makes a lot of sense, the question is – how do you make sure you’ve got the cover you need without paying for what you don’t?

By putting our members first, we make protecting what’s most important to you as affordable as possible.

Not only do we keep our premiums as low as we can, but paying for your insurance out of your super is a convenient and cost-effective way to have the cover you need.

After all, peace of mind is a valuable thing.

Protection for the ones you love no matter what lies ahead

Future proof your income with our insurance options

FSS0001_FSS_Brochure_Insurance_09_art.indd 1-3 22/11/18 6:58 pm

Insurance that’s all about you

Page 2: FOLD FOLD Insurance Protection for the ones you love no matter … · 2019-05-23 · FOLD FOLD FOLD FOLD Disclaimer: This is general information only and does not take into account

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Why it’s good to insure through us

Can I transfer my existing insurance cover to First State Super?

After becoming a member (and if you have insurance cover through First State Super) you can apply to transfer any death only, death and total and permanent disablement, or income protection cover that you have in another policy across to your account with us.

Making insurance more affordable for our members

There are many things that can affect the price of your premiums, such as your age and how much cover you need. As a First State Super member, you benefit from competitively priced premiums, making it even more affordable to protect you and your family at every stage of life. And because your premiums are paid out of your super, you don’t need to find the money yourself every month.

While you’re weighing up the cost of insurance, think about the cost of not having it – the hardship your family could face if something happened to you and they couldn’t rely on your income. And even if you’re not the main breadwinner, don’t forget the other expenses that might need to be paid if you’re out of action, such as childcare or the day-to-day cost of running a household.

If your super’s through your employer

If First State Super is your employer’s chosen default fund, you may automatically receive death cover and total and permanent disablement cover.2 The amount of your cover depends on your age and insurance category. You can check your level of cover via your online account.

For complete flexibility, you can change any automatic insurance when you first receive it. This includes reducing or opting out of your cover.

If your super’s not through your employer

If you’ve chosen First State Super yourself, you’ll need to apply for insurance. This includes death, total and permanent disablement and income protection cover. Again, so you don’t have to find the money yourself, your premiums can be paid out of your super each month.

2 Subject to eligibility requirements being met. Further information can be found in the Insurance (Employer Sponsored) Member Booklet Supplement.

We’ve got you covered

There are three main types of insurance that can be paid for out of your super:

Death cover (including terminal illness)

This gives your beneficiaries a lump sum payment in the event of your death, helping them keep up with living expenses like bills and home loan repayments. You may also receive a payment if you’re diagnosed with a terminal illness. If you want to, you can combine death cover with total and permanent disablement cover, for even more protection.

Total and permanent disablement cover

This gives you a lump sum payment if you’re permanently disabled and unable to work due to illness or injury.

It could go towards medical expenses, debts or your family’s living costs, and is combined with death cover.

Income protection cover

This can replace up to 75% of your income for a set period of time if you can’t work due to illness or injury.

Paid as a monthly benefit, income protection cover could help you and your family manage living expenses and medical bills while you recover.

Is your insurance automatic or do you need to apply?

If your super is through your employer it may come with automatic insurance cover, otherwise you’ll need to apply for it separately.

Want help understanding how your premiums are calculated?

As insurance can be tricky, it’s a good idea to get expert advice. A super adviser can give you simple advice on insurance at no extra cost.

Call 1300 650 873 to book your appointment

Check out the costs for yourselfTo see how much your premiums might be, try our insurance calculator at firststatesuper.com.au/insurancecalculator

You only need to provide minimal information about your health, income, occupation and lifestyle for your application to be assessed by our insurer.

Before cancelling any previous insurance, please wait for written confirmation from us that your cover has been successfully transferred. Keep in mind that certain occupations are not eligible to transfer cover.

To apply, simply login to your online account or complete the application form at firststatesuper.com.au/insurance

For more information on how to transfer your insurance call us on 1300 650 873.

have income protection1

1 lifewise.org.au/see-more-statistics

Unforeseen health events can be financially devastating

If illness, death or another major event happens and your income stops, how would you and your family keep life running smoothly?

Insurance can be more affordable than you think

Not only do we keep our premiums low, but having your insurance included in your super means you don’t have to pay for it out of your own pocket like other bills.

A little planning now can mean less stress later

Having the insurance you need gives you the peace of mind of knowing you and your loved ones will be looked after if the unexpected happens.

Be prepared with expert advice at no extra cost

A super adviser can help you assess how much cover you need to protect yourself and your family in the event of illness, injury or loss of life.

Call 1300 650 873 to book your appointment

of people have car insurance

83%

but only

31%

A handy way to see what insurance you might needOur insurance calculator can help you work out the best level of cover for you. Go to firststatesuper.com.au/insurancecalculator

FSS0001_FSS_Brochure_Insurance_09_art.indd 4-6 22/11/18 6:58 pm

Page 3: FOLD FOLD Insurance Protection for the ones you love no matter … · 2019-05-23 · FOLD FOLD FOLD FOLD Disclaimer: This is general information only and does not take into account

FOLD

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FOLD

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Why it’s good to insure through us

Can I transfer my existing insurance cover to First State Super?

After becoming a member (and if you have insurance cover through First State Super) you can apply to transfer any death only, death and total and permanent disablement, or income protection cover that you have in another policy across to your account with us.

Making insurance more affordable for our members

There are many things that can affect the price of your premiums, such as your age and how much cover you need. As a First State Super member, you benefit from competitively priced premiums, making it even more affordable to protect you and your family at every stage of life. And because your premiums are paid out of your super, you don’t need to find the money yourself every month.

While you’re weighing up the cost of insurance, think about the cost of not having it – the hardship your family could face if something happened to you and they couldn’t rely on your income. And even if you’re not the main breadwinner, don’t forget the other expenses that might need to be paid if you’re out of action, such as childcare or the day-to-day cost of running a household.

If your super’s through your employer

If First State Super is your employer’s chosen default fund, you may automatically receive death cover and total and permanent disablement cover.2 The amount of your cover depends on your age and insurance category. You can check your level of cover via your online account.

For complete flexibility, you can change any automatic insurance when you first receive it. This includes reducing or opting out of your cover.

If your super’s not through your employer

If you’ve chosen First State Super yourself, you’ll need to apply for insurance. This includes death, total and permanent disablement and income protection cover. Again, so you don’t have to find the money yourself, your premiums can be paid out of your super each month.

2 Subject to eligibility requirements being met. Further information can be found in the Insurance (Employer Sponsored) Member Booklet Supplement.

We’ve got you covered

There are three main types of insurance that can be paid for out of your super:

Death cover (including terminal illness)

This gives your beneficiaries a lump sum payment in the event of your death, helping them keep up with living expenses like bills and home loan repayments. You may also receive a payment if you’re diagnosed with a terminal illness. If you want to, you can combine death cover with total and permanent disablement cover, for even more protection.

Total and permanent disablement cover

This gives you a lump sum payment if you’re permanently disabled and unable to work due to illness or injury.

It could go towards medical expenses, debts or your family’s living costs, and is combined with death cover.

Income protection cover

This can replace up to 75% of your income for a set period of time if you can’t work due to illness or injury.

Paid as a monthly benefit, income protection cover could help you and your family manage living expenses and medical bills while you recover.

Is your insurance automatic or do you need to apply?

If your super is through your employer it may come with automatic insurance cover, otherwise you’ll need to apply for it separately.

Want help understanding how your premiums are calculated?

As insurance can be tricky, it’s a good idea to get expert advice. A super adviser can give you simple advice on insurance at no extra cost.

Call 1300 650 873 to book your appointment

Check out the costs for yourselfTo see how much your premiums might be, try our insurance calculator at firststatesuper.com.au/insurancecalculator

You only need to provide minimal information about your health, income, occupation and lifestyle for your application to be assessed by our insurer.

Before cancelling any previous insurance, please wait for written confirmation from us that your cover has been successfully transferred. Keep in mind that certain occupations are not eligible to transfer cover.

To apply, simply login to your online account or complete the application form at firststatesuper.com.au/insurance

For more information on how to transfer your insurance call us on 1300 650 873.

have income protection1

1 lifewise.org.au/see-more-statistics

Unforeseen health events can be financially devastating

If illness, death or another major event happens and your income stops, how would you and your family keep life running smoothly?

Insurance can be more affordable than you think

Not only do we keep our premiums low, but having your insurance included in your super means you don’t have to pay for it out of your own pocket like other bills.

A little planning now can mean less stress later

Having the insurance you need gives you the peace of mind of knowing you and your loved ones will be looked after if the unexpected happens.

Be prepared with expert advice at no extra cost

A super adviser can help you assess how much cover you need to protect yourself and your family in the event of illness, injury or loss of life.

Call 1300 650 873 to book your appointment

of people have car insurance

83%

but only

31%

A handy way to see what insurance you might needOur insurance calculator can help you work out the best level of cover for you. Go to firststatesuper.com.au/insurancecalculator

FSS0001_FSS_Brochure_Insurance_09_art.indd 4-6 22/11/18 6:58 pm

Page 4: FOLD FOLD Insurance Protection for the ones you love no matter … · 2019-05-23 · FOLD FOLD FOLD FOLD Disclaimer: This is general information only and does not take into account

FOLD

FOLD

FOLD

FOLD

Why it’s good to insure through us

Can I transfer my existing insurance cover to First State Super?

After becoming a member (and if you have insurance cover through First State Super) you can apply to transfer any death only, death and total and permanent disablement, or income protection cover that you have in another policy across to your account with us.

Making insurance more affordable for our members

There are many things that can affect the price of your premiums, such as your age and how much cover you need. As a First State Super member, you benefit from competitively priced premiums, making it even more affordable to protect you and your family at every stage of life. And because your premiums are paid out of your super, you don’t need to find the money yourself every month.

While you’re weighing up the cost of insurance, think about the cost of not having it – the hardship your family could face if something happened to you and they couldn’t rely on your income. And even if you’re not the main breadwinner, don’t forget the other expenses that might need to be paid if you’re out of action, such as childcare or the day-to-day cost of running a household.

If your super’s through your employer

If First State Super is your employer’s chosen default fund, you may automatically receive death cover and total and permanent disablement cover.2 The amount of your cover depends on your age and insurance category. You can check your level of cover via your online account.

For complete flexibility, you can change any automatic insurance when you first receive it. This includes reducing or opting out of your cover.

If your super’s not through your employer

If you’ve chosen First State Super yourself, you’ll need to apply for insurance. This includes death, total and permanent disablement and income protection cover. Again, so you don’t have to find the money yourself, your premiums can be paid out of your super each month.

2 Subject to eligibility requirements being met. Further information can be found in the Insurance (Employer Sponsored) Member Booklet Supplement.

We’ve got you covered

There are three main types of insurance that can be paid for out of your super:

Death cover (including terminal illness)

This gives your beneficiaries a lump sum payment in the event of your death, helping them keep up with living expenses like bills and home loan repayments. You may also receive a payment if you’re diagnosed with a terminal illness. If you want to, you can combine death cover with total and permanent disablement cover, for even more protection.

Total and permanent disablement cover

This gives you a lump sum payment if you’re permanently disabled and unable to work due to illness or injury.

It could go towards medical expenses, debts or your family’s living costs, and is combined with death cover.

Income protection cover

This can replace up to 75% of your income for a set period of time if you can’t work due to illness or injury.

Paid as a monthly benefit, income protection cover could help you and your family manage living expenses and medical bills while you recover.

Is your insurance automatic or do you need to apply?

If your super is through your employer it may come with automatic insurance cover, otherwise you’ll need to apply for it separately.

Want help understanding how your premiums are calculated?

As insurance can be tricky, it’s a good idea to get expert advice. A super adviser can give you simple advice on insurance at no extra cost.

Call 1300 650 873 to book your appointment

Check out the costs for yourselfTo see how much your premiums might be, try our insurance calculator at firststatesuper.com.au/insurancecalculator

You only need to provide minimal information about your health, income, occupation and lifestyle for your application to be assessed by our insurer.

Before cancelling any previous insurance, please wait for written confirmation from us that your cover has been successfully transferred. Keep in mind that certain occupations are not eligible to transfer cover.

To apply, simply login to your online account or complete the application form at firststatesuper.com.au/insurance

For more information on how to transfer your insurance call us on 1300 650 873.

have income protection1

1 lifewise.org.au/see-more-statistics

Unforeseen health events can be financially devastating

If illness, death or another major event happens and your income stops, how would you and your family keep life running smoothly?

Insurance can be more affordable than you think

Not only do we keep our premiums low, but having your insurance included in your super means you don’t have to pay for it out of your own pocket like other bills.

A little planning now can mean less stress later

Having the insurance you need gives you the peace of mind of knowing you and your loved ones will be looked after if the unexpected happens.

Be prepared with expert advice at no extra cost

A super adviser can help you assess how much cover you need to protect yourself and your family in the event of illness, injury or loss of life.

Call 1300 650 873 to book your appointment

of people have car insurance

83%

but only

31%

A handy way to see what insurance you might needOur insurance calculator can help you work out the best level of cover for you. Go to firststatesuper.com.au/insurancecalculator

FSS0001_FSS_Brochure_Insurance_09_art.indd 4-6 22/11/18 6:58 pm

Page 5: FOLD FOLD Insurance Protection for the ones you love no matter … · 2019-05-23 · FOLD FOLD FOLD FOLD Disclaimer: This is general information only and does not take into account

FOLD

FOLD

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Disclaimer: This is general information only and does not take into account your specific objectives, financial situation or needs. Seek professional financial advice, consider your own circumstances and read our product disclosure statement before making a decision about First State Super. Call us or visit our website for a copy. Issued by FSS Trustee Corporation ABN 11 118 202 672, AFSL 293340, the trustee of the First State Superannuation Scheme ABN 53 226 460 365. Financial planning services are provided by our financial planning business State Super Financial Services Australia Limited, trading as StatePlus, ABN 86 003 742 756, AFSL No. 238430. StatePlus is wholly owned by First State Super.

Insurance

We’re here to help Remember, we’re here to help protect you and your family so you can feel confident no matter what the future brings.

Go to firststatesuper.com.au Call us on 1300 650 873 Drop into one of our local branches

We’re an award-winning fundWe don’t exist to win awards, but it feels good to be recognised by industry peers for doing what matters most to us – building a better future for all Australians.

Life doesn’t always go as planned. Illness, injuries and other challenges can arise that make it hard to carry on without some extra support, especially with your finances.

While insurance makes a lot of sense, the question is – how do you make sure you’ve got the cover you need without paying for what you don’t?

By putting our members first, we make protecting what’s most important to you as affordable as possible.

Not only do we keep our premiums as low as we can, but paying for your insurance out of your super is a convenient and cost-effective way to have the cover you need.

After all, peace of mind is a valuable thing.

Protection for the ones you love no matter what lies ahead

Future proof your income with our insurance options

FSS0001_FSS_Brochure_Insurance_09_art.indd 1-3 22/11/18 6:58 pm

Insurance that’s all about you

Page 6: FOLD FOLD Insurance Protection for the ones you love no matter … · 2019-05-23 · FOLD FOLD FOLD FOLD Disclaimer: This is general information only and does not take into account

FOLD

FOLD

FOLD

FOLD

Disclaimer: This is general information only and does not take into account your specific objectives, financial situation or needs. Seek professional financial advice, consider your own circumstances and read our product disclosure statement before making a decision about First State Super. Call us or visit our website for a copy. Issued by FSS Trustee Corporation ABN 11 118 202 672, AFSL 293340, the trustee of the First State Superannuation Scheme ABN 53 226 460 365. Financial planning services are provided by our financial planning business State Super Financial Services Australia Limited, trading as StatePlus, ABN 86 003 742 756, AFSL No. 238430. StatePlus is wholly owned by First State Super.

Insurance

We’re here to help Remember, we’re here to help protect you and your family so you can feel confident no matter what the future brings.

Go to firststatesuper.com.au Call us on 1300 650 873 Drop into one of our local branches

We’re an award-winning fundWe don’t exist to win awards, but it feels good to be recognised by industry peers for doing what matters most to us – building a better future for all Australians.

Life doesn’t always go as planned. Illness, injuries and other challenges can arise that make it hard to carry on without some extra support, especially with your finances.

While insurance makes a lot of sense, the question is – how do you make sure you’ve got the cover you need without paying for what you don’t?

By putting our members first, we make protecting what’s most important to you as affordable as possible.

Not only do we keep our premiums as low as we can, but paying for your insurance out of your super is a convenient and cost-effective way to have the cover you need.

After all, peace of mind is a valuable thing.

Protection for the ones you love no matter what lies ahead

Future proof your income with our insurance options

FSS0001_FSS_Brochure_Insurance_09_art.indd 1-3 22/11/18 6:58 pm

Insurance that’s all about you