The purpose of this calculator is to provide estimates on insurance cover for FirstChoice Personal Super and FirstChoice Wholesale Personal Super only.  
  Enter your details
  Name of applicant  
  Date of birth (DD/MM/YYYY)
    Age next birthday:       years
  Account type *
 Commission free    Commission paying
  Policy type *
 New    Existing   Expected commencement
date of insurance (if known)
  Type of cover required  
  Amount of cover required
Death $ Maximum Death cover = $5,000,000.
TPD $ TPD cover can not exceed your death cover amount,
Maximum TPD cover = $3,000,000.
SCI  $  Enter monthly income (optional)
=  $ 
Maximum cover based on monthly income provided
   $  Enter cover required. Maximum SCI cover = $25,000
SCI waiting period    30 days    90 days
SCI maximum benefit period    2 years    5 years    To age 65
  Gender of applicant
    Male     Female
  Smoking status
    Non-smoker     Smoker
  Occupation group
(Refer to PDS for
explanation of occupations)
    Professional     White collar     Light blue collar     Blue collar
  Close   Clear         
* Generally, for members who joined FirstChoice Personal Super or FirstChoice Wholesale Personal Super before 11 June 2013 and took up insurance before 1 July 2014, premiums include commission of 22%. If an insurance policy is established on a new account from 11 June 2013 or an existing account from 1 July 2014, premiums are commission free.

Important information:
This calculator is designed for adviser use only and must not be made available to investors without the specific consent of Colonial First State Investments Limited (CFS). The calculator is part of an overall toolkit for the assistance of advisers and in no way provides any advice or replaces any advice that advisers may give to their clients in a Statement of Advice. The premium displayed is before any allowance for tax payable. The actual amount deducted from members account will be net of any tax deductions available to the fund and passed to members, at the time of payment. Whilst all care has been taken in the preparation of this calculator (using sources believed to be reliable and accurate), no person, including Colonial First State or any member of the Commonwealth Bank Group of companies, accepts responsibility for any loss suffered by any person arising from reliance on this calculator.

These premiums are estimates only (inclusive of administration fee). Applications for insurance cover may need to be assessed by the insurer. The provision of a premium estimate does not mean that the insurance cover has been, or will be, accepted. If the insurance cover is accepted, the premiums payable may differ from the estimate.
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