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Insurance through your super
Keep looking after those you love
You never know what tomorrow may bring, so make sure you protect what's important. By applying for insurance within your ANZ Smart Choice Super account, you can continue to look after your loved ones, even if you aren’t around. There are different types of cover available, so research and choose the one that best suits you and your family.
Types of cover
Income protection
Income protection can cover up to 75 per cent of your monthly income, so you can meet your living expenses. The insurer will pay a benefit if you are Totally Disabled or Partially Disabled.disclaimer
Total and Permanent Disability (TPD) cover
The insurer will pay a TPD benefit if you’re Totally and Permanently Disabled by injury or illness and unable to work again.disclaimer
Death cover
The insurer will pay a death benefit if you die or suffer a Terminal Illness.disclaimer
Get cover that suits you
Applying for insurance cover is easy - it only takes about 15 minutes to apply and you'll get an idea of costs as well.
1. Choose your cover
You have the option to apply for Death cover, Death and Total and Permanent Disability cover, and/or Income Protection cover through ANZ Smart Choice Super's insurer, OnePath Life Limited.
2. Apply
Click on 'Apply now' and you'll be taken through to a OnePath page for the application. Answer a few questions about your personal details, health and work to determine if you're eligible for cover and you’ll receive an indication of the likely insurance fees.
3. Submit
After you submit your application, you'll receive a letter advising you of the status of your application. You’ll be contacted if further information is required to process your application. Your cover will only begin once you've received written confirmation.
Learn more about superannuation
Get covered through your super
“ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF), ANZ Smart Choice Super for employers and their employees (PDF) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF). OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346 RSE L0000673) (OPC) is the issuer of the ANZ Smart Choice Super suite of products. OPC is the trustee of the Retirement Portfolio Service (ABN 61 808 189 263, RSE R1000986) (RPS) and the ANZ Smart Choice Super suite of products are part of the RPS. You should consider obtaining financial advice before making any decisions based on the information. You should obtain a Product Disclosure Statement (PDS) relating to the relevant financial product and consider it before making any decision about whether to acquire or continue to hold the product. Target Market Determinations (TMDs) where required for relevant products have to be available for consideration by distributors/members. A copy of the PDS and TMD (where relevant) is available via the links above, and upon request by phoning 13 12 87 or by searching for the applicable product at www.anz.com/smartchoicesuper. The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522). We recommend that you read the ANZ Financial Services Guide (PDF), before deciding whether to acquire or continue to hold this product. View the ANZ Smart Choice Super and Pension Target Market Determination (PDF). ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees are MySuper compliant products issued pursuant to the latest PDS available at www.anz.com/smartchoicesuper. OPC is a member of the Insignia Financial group of companies, comprising Insignia Financial Ltd ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). The Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522) brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the Insignia Financial group of companies (including OPC) are not related bodies corporate. ANZ does not stand behind or guarantee these products.
Before re-directing your super or moving your money into ANZ Smart Choice Super, you will need to consider whether there are any adverse consequences for you, including loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks and where your future employer contributions will be paid.
This information is of a general nature and has been prepared without taking account of your personal needs, financial situation or objectives. Before acting on this information, you should consider whether the information is appropriate for you having regard to your personal needs, financial circumstances or objectives.
All fees are subject to change. Other key features are relevant when choosing a super fund, including performance. Past performance is not indicative of future performance.
Taxation law is complex and this information has been prepared as a guide only and does not represent taxation advice. Please see your tax adviser for independent taxation advice. The information on insurance cover is a summary only of the terms and conditions applying to the insurance cover. To the extent there is any inconsistency with the terms of the insurance cover provided by the insurer, the terms of the insurance policy will prevail.
ANZ does not represent or guarantee that access to ANZ Internet Banking or the ANZ App will be uninterrupted. Temporary service disruptions may occur. ANZ recommends that you read the ANZ App Terms and Conditions available here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay and Touch ID are trademarks of Apple Inc.
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Fee Analysis: Research conducted by SuperRatings Pty Ltd, holder of Australian Financial Services Licence No. 311880 at the request of OPC. For a copy of the latest SuperRatings research, click here (PDF) or call 13 12 87.
Please refer to the PDS for further detail about these cover levels and defined terms.
ReturnFor ANZ business account holders with ANZ Secure Gateway* the funds are available on the same day for transactions settled before 5:30pm (AEST). For ANZ eGate* the funds are available on the same day for transactions settled before 6:30pm (AEST). For ANZ ePOS customers, the same day settlement cut off times are dependent on the third party gateway being used. For non-ANZ business accounts holders, ANZ transfers the funds to the merchant’s bank on the following business day and the availability of the funds will be determined by the merchant’s bank.
*Please note that settlement of transactions is reliant on the transaction information being provided by the gateway provider to ANZ. There may be instances where a failure occurs that results in transaction information not being submitted to ANZ in the required timeframe. In this instance and in a scenario where ANZ receives unprecedented transaction volumes in a single day, this could result in funds for certain transactions not being available on the same day, and instead these transactions will be credited as part of the following days settlement.
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