Additional features

Insurance included

Hands holding shells

Protect yourself and your family.

If the worst happens, it’s good to know ANZ Smart Choice Pension provides automatic Death cover. View Conditions.

No forms, no medical checks and funded from your pension balance. Once you've opened your account, you can also apply for your own level of cover. You also have the option to add income protection.
 

What cover can I get?
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Please enter an age between 16 - 75
Please select gender
Please select smoking status
Ages 16-75
Gender
Smoking status*
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Death Cover

What you'll get $0
Current standard cover
What it will cost you $0.00 per year
Current standard premium
  Add Total and Permanent
Disability cover
Disability Insurance not available if aged over 65

Once you've opened your account, you can also apply for your own level of cover. You also have the option to add income protection.

  Death Cover Premiums Death & TPD Cover Premiums
Age Next Birthday Default Cover Male Non-smoker Male Smoker Female Non-smoker Female Smoker Male Non-smoker Male Smoker Female Non-smoker Female Smoker
16-19 $100,000 $108.99 $154.55 $44.31 $68.61 $162.68 $221.24 $98.00 $135.29
20 $100,000 $108.99 $154.55 $44.31 $68.61 $155.76 $218.64 $91.08 $132.70
21 $150,000 $160.81 $229.15 $58.16 $77.48 $221.86 $321.38 $119.21 $169.71
22 $150,000 $139.37 $199.67 $58.16 $76.83 $199.12 $293.20 $117.91 $170.36
23 $150,000 $128.64 $183.59 $56.28 $72.89 $188.40 $277.12 $116.04 $166.42
24 $150,000 $121.94 $172.87 $58.29 $79.90 $181.70 $272.89 $118.05 $179.93
25 $150,000 $112.56 $158.13 $61.11 $84.91 $168.42 $254.25 $116.96 $181.03
26 $200,000 $142.94 $205.47 $80.05 $110.92 $215.68 $328.45 $152.79 $233.90
27 $200,000 $139.37 $203.69 $80.05 $110.92 $212.11 $326.66 $152.79 $233.90
28 $200,000 $135.79 $210.83 $77.19 $106.35 $205.07 $330.35 $146.47 $225.86
29 $200,000 $132.22 $210.83 $77.19 $108.63 $199.77 $328.61 $144.74 $226.41
30 $200,000 $121.50 $200.11 $72.36 $111.44 $189.05 $316.16 $139.91 $227.49
31 $250,000 $149.64 $254.61 $99.72 $165.28 $234.08 $406.16 $184.16 $316.84
32 $250,000 $151.87 $265.78 $104.97 $183.14 $236.31 $428.16 $189.41 $345.52
33 $250,000 $151.87 $279.18 $107.20 $192.07 $240.64 $450.22 $195.97 $363.11
34 $250,000 $154.11 $292.58 $107.20 $187.61 $242.87 $467.95 $195.97 $362.98
35 $250,000 $154.11 $297.04 $107.20 $189.84 $242.87 $472.41 $195.97 $365.21
36 $300,000 $184.93 $367.17 $131.33 $235.85 $296.64 $588.01 $243.04 $456.68
37 $300,000 $190.29 $385.93 $144.73 $259.97 $307.20 $609.37 $261.64 $483.40
38 $300,000 $203.69 $420.78 $151.59 $265.20 $333.59 $675.39 $281.49 $519.81
39 $300,000 $211.73 $442.22 $164.02 $298.36 $352.02 $720.21 $304.32 $576.35
40 $300,000 $219.77 $474.38 $171.15 $315.61 $370.46 $757.57 $321.84 $598.80
41 $300,000 $240.91 $533.12 $181.18 $339.16 $401.99 $824.11 $342.25 $630.14
42 $300,000 $262.44 $599.50 $199.80 $387.08 $444.30 $939.85 $381.67 $727.43
43 $300,000 $292.61 $688.08 $213.07 $418.58 $495.26 $1,059.61 $415.72 $790.10
44 $300,000 $322.98 $770.54 $232.28 $469.47 $546.41 $1,186.23 $455.72 $885.16
45 $300,000 $350.58 $853.00 $266.30 $547.06 $612.99 $1,336.24 $528.70 $1,030.30
46 $300,000 $394.75 $958.20 $303.92 $628.34 $696.13 $1,524.58 $605.30 $1,194.72
47 $285,000 $416.97 $999.43 $329.97 $677.11 $750.18 $1,626.34 $663.18 $1,304.02
48 $270,000 $440.40 $1,038.95 $346.47 $703.37 $807.51 $1,691.32 $713.58 $1,355.74
49 $255,000 $471.68 $1,082.93 $346.13 $688.56 $855.93 $1,785.18 $730.39 $1,390.82
50 $240,000 $491.00 $1,104.20 $378.54 $756.07 $917.08 $1,879.46 $804.62 $1,531.33
51 $225,000 $550.76 $1,204.04 $423.70 $851.50 $1,000.88 $2,059.45 $873.82 $1,706.91
52 $210,000 $596.59 $1,279.48 $455.68 $895.68 $1,091.26 $2,228.81 $950.35 $1,845.01
53 $195,000 $632.37 $1,337.91 $469.03 $896.48 $1,171.08 $2,386.61 $1,007.74 $1,945.19
54 $180,000 $629.40 $1,246.65 $484.59 $904.17 $1,212.40 $2,390.83 $1,067.59 $2,048.36
55 $165,000 $581.37 $1,020.28 $492.10 $888.05 $1,198.67 $2,242.01 $1,109.40 $2,109.79
56 $150,000 $656.89 $1,295.26 $481.71 $858.68 $1,333.69 $2,631.97 $1,158.50 $2,195.39
57 $135,000 $713.98 $1,442.43 $481.00 $849.48 $1,413.12 $2,816.16 $1,180.13 $2,223.20
58 $120,000 $727.92 $1,430.10 $473.17 $800.51 $1,483.43 $2,895.41 $1,228.68 $2,265.81
59 $105,000 $659.35 $1,133.64 $452.13 $734.48 $1,471.37 $2,694.94 $1,264.16 $2,295.79
60 $95,000 $610.38 $909.81 $477.82 $752.80 $1,484.11 $2,575.81 $1,351.55 $2,418.80
61 $85,000 $785.18 $1,438.99 $488.27 $747.21 $1,700.17 $3,132.06 $1,403.26 $2,440.28
62 $75,000 $797.33 $1,434.53 $493.14 $733.01 $1,739.13 $3,128.46 $1,434.94 $2,426.94
63 $70,000 $769.38 $1,226.84 $525.93 $758.56 $1,794.49 $3,024.26 $1,551.03 $2,555.98
64 $65,000 $753.57 $1,083.33 $529.59 $704.88 $1,895.16 $3,028.76 $1,671.18 $2,650.30
65 $60,000 $720.41 $921.12 $518.73 $627.08 $1,949.29 $3,002.68 $1,747.62 $2,708.64
66 $30,000 $448.63 $617.11 $336.62 $454.28 n/a n/a n/a n/a
67 $30,000 $554.06 $813.21 $381.38 $512.17 n/a n/a n/a n/a
68 $30,000 $627.39 $900.27 $409.92 $519.32 n/a n/a n/a n/a
69 $30,000 $644.53 $834.18 $427.04 $492.26 n/a n/a n/a n/a
70 $30,000 $668.35 $748.05 $441.25 $459.52 n/a n/a n/a n/a
71 $15,000 $406.75 $572.68 $296.02 $380.57 n/a n/a n/a n/a
72 $15,000 $538.43 $874.52 $334.21 $424.39 n/a n/a n/a n/a
73 $15,000 $604.63 $962.83 $377.36 $472.90 n/a n/a n/a n/a
74 $15,000 $677.66 $1,057.30 $426.27 $526.91 n/a n/a n/a n/a
75 $15,000 $757.40 $1,157.54 $474.51 $576.89 n/a n/a n/a n/a

Free round up service

All your money in the one account.

All your money in the one account.

No one likes paying multiple times for the same thing. So we can help you track down and bring together all your super accounts – including any you’ve lost along the way.

With our innovative online transfers, you can round up your super with a few clicks. No more paper forms and no more multiple sets of fees.

All you need is an ANZ Smart Choice Super account to get started.

How to apply or find out more

Online

It only takes 5 minutes.

Call 13 12 87

Mon to Fri, 8am to 7pm (AEST).

At a branch

Find your nearest ANZ branch.

What do you want to do with your super? Show more

Important Information Show more

ANZ Smart Choice Pension was awarded the 5-star 'Outstanding Value' CANSTAR award in the Account Based Pensions category in 2012 and 2013.

ANZ Smart Choice Pension was awarded Money magazine's 2014 Best of the Best award for Lowest-Cost Default Pension Fund for the Smart Choice Pension Growth.

Fee Analysis: Research conducted by SuperRatings Pty Ltd, holder of Australian Financial Services Licence No. 311880. Analysis current as at January 2014, and limited to the member, administration and investment management fees of 163 retail, industry and government Pension funds. In conducting the analysis, the ANZ Smart Choice Super - 1960's diversified investment option has been compared against the main Balanced option of products contained within the SuperRatings database. Annual fees are calculated on a constant $250,000 super balance. Data used in the research from sources considered reliable. It is not guaranteed to be accurate or complete. For a copy of the SuperRatings research click here or call 13 12 87.

All fees are subject to change. Other key features are relevant when choosing a super fund, including performance.

Conditions: Death cover is automatic unless you opt out. Both Death and Total and Permanent Disability covers are subject to eligibility and exclude pre-existing medical conditions.

*You are a smoker if you’ve smoked tobacco or any other substance in the last 12 months. Cover and premiums shown are based on standard cover only. The level of cover you receive is based on your age. The standard cover premium for Death and TPD depends on your smoking status, age and gender, and for TPD only, your occupational classification. Cover is subject to eligibility and excludes pre-existing medical conditions. TPD cover is not available for Pension or Transition to Retirement accounts. Refer to the PDS for further detail.

Before re-directing your super or moving your money into ANZ Smart Choice Super and Pension, you will need to consider whether there are any adverse consequences for you, including exit fees, other loss of benefits (e.g. insurance cover) or increase in investment risks.

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.
ANZ does not represent or guarantee that access to ANZ Internet Banking will be uninterrupted. Temporary service disruptions may occur. ANZ goMoney™ is a registered trade mark of ANZ.

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ANZ Smart Choice Super and Pension is issued by OnePath Custodians Pty Limited (ABN 12 ­008 ­508 ­496, AFSL 238346, RSE L0000673), a wholly owned subsidiary of Australia and New Zealand Banking Group Limited (ABN 11 ­005 ­357 ­522) (ANZ). 

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. You should read the ANZ Financial Services Guide, Product Disclosure Statement, Additional Information Guide and the Electronic Access Terms and Conditions and consider if this product is right for you.

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