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Insurance through your super

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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

Understanding the First Home Super Saver Scheme

Learn about the First Home Super Saver Scheme, how you could boost your savings, and how to make contributions with ANZ.


ANZ Smart Choice Super FAQs

See the top frequently asked questions for ANZ Smart Choice Super, from consolidating accounts to employer contributions.


How to get an extra $500 in your superannuation

You might be able to get a superannuation boost from the government. Find out if you’re eligible today.


The big cost of multiple super accounts

Do you have more than one super account? Consolidate your super and learn how to boost your retirement savings.


Get covered through your super

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OnePath Custodians Pty Limited (OnePath Custodians) (ABN 12 008 508 496, AFSL 238346, RSE L0000673) is the issuer of interests in “ANZ Smart Choice Super”, a suite of products consisting of ANZ Smart Choice Super and Pension (PDF 113kB)ANZ Smart Choice Super for employers and their employees (PDF 122kb) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF 124kb). The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522). ANZ is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). OnePath Custodians is the issuer of this product but is not a Bank. Except as described in the relevant Product Disclosure Statement, the obligations of OnePath Custodians are not deposits or liabilities of ANZ or its related group companies. None of them stands behind or guarantees the issuer or any of the issuer's products. You should consider the ANZ Financial Services Guide (PDF 109kB), relevant PDS, and any material incorporated by reference, and the Electronic Access Terms and Conditions before deciding to acquire, or continue to hold, an interest in ANZ Smart Choice Super. You should also consider whether ANZ Smart Choice Super is appropriate for you.

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.

ANZ does not represent or guarantee that access to the 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 at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

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Please refer to the PDS for further detail about these cover levels and defined terms.

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For 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.

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