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Automatic Cover

Automatic Insurance Cover

All Freedom of Choice Employer Service Super members will receive an automatic level of insurance cover when they join the fund, provided you are eligible.  The type of cover you receive depends on the arrangements your employer has put in place.

You will either receive Freedom of Choice Standard Cover or Freedom of Choice Employer Plan Cover.  When you join the fund, your welcome kit will detail the amount of insurance cover applicable to you.

Standard Cover

Standard Cover will apply if your employer has not establish tailored insurance arrangements. Standard Cover consists of automatic Death and TPD insurance cover which is calculated by the following formula:

Standard cover formula

Please refer to the Insurance Guide for more information.

Employer Plan Cover

Employers are able to establish tailored insurance arrangements for their employees called Employer Plan Cover.  Employer Plan Cover can consist of:

Death Cover

  • Formula based or Fixed Sum Insured

Total & Permanent Disability (TPD)

  • Formula based or Fixed Sum Insured

Income Protection (IP)

  • Up to 85% of salary
  • Waiting Periods: 30, 60 or 90 days
  • Benefit Periods: 2 years, 5 years or to age 65

The amount of cover may be subject to an Automatic Acceptance Limit (AAL). The AAL for Employer Plan Cover will depend on the number of members in your Employer Plan.

For more information about Employer Plan Cover and whether it applies to your employer plan, please contact us directly on 1300 264 264 or

What is the benefit of having insurance through Freedom of Choice Super?

  1. Freedom of Choice insurance rates are highly competitive. Taking out insurance through Freedom of Choice Super allows access group insurance rates which are often more competitive than taking out a stand-alone insurance policy.
  2. Taking out insurance through superannuation allows members to pay premiums with pre-tax dollars – therefore costing less.
  3. Paying for insurance through super means that individuals don’t have to pay for cover out of your own pocket.
  • Freedom of Choice © 2019
  • PO Box 3528, Tingalpa DC QLD 4173
  • 1800 806 013