skip to log on skip to main content
VoiceOver users please use the tab key when navigating expanded menus

Insurance through your super

Apply now 

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.


Why it pays to compare super fund fees

Making sure your super account doesn’t attract high fees and charges can make a difference to your final balance.


Get covered through your super

13 12 87

Mon-Fri 8:30am to 6:30pm (AEST) 

You may also be interested in

Financial advice

Build your financial future. Get a practical plan so you can start living the life you've always imagined.

Learn more

Online share investing

ANZ Share Investing is your powerful trading partner. Open an account and trade with confidence.

Learn more



Get started with superannuation from ANZ. Find the right fund for you with an ANZ Smart Choice Super account.

Learn more


“ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF 189kB)ANZ Smart Choice Super for employers and their employees (PDF 186kB) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF 198kB). The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522). View the ANZ Smart Choice Super and Pension Target Market Determination (PDF 252kB). 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 ANZ Smart Choice Super is part of Retirement Portfolio Service (the Fund) (ABN 61 808 189 263) and is issued by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE L0000673) (OPC), the trustee of the Fund. OPC is a member of the IOOF Group of companies, comprising IOOF Holdings Limited ABN 49 100 103 722 and its related bodies corporate. 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 IOOF Group of companies (including OPC) are not related bodies corporate. ANZ does not 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.

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 at and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

You need Adobe Reader to view PDF files. You can download Adobe Reader free of charge.

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


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.

*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.