Additional features

Insurance included


Protect yourself and your family.

Enjoy peace of mind knowing that should the unexpected happen, your family is protected. Your automatic Death and Total and Permanent Disability (TPD) cover is based on your age, with cover increasing for when you are likely to have greater commitments and lowering when you’re less likely to. Once your account is open, you can also apply for your own level of cover including the ability to apply for Income Protection cover. View Conditions.



Find out more

If you are an employee

Call 13 12 87 Mon to Fri, 8:30am to 6:30pm (AEST).

If you are an employer

Find out more about ANZ Smart Choice Super for employers and their employees.

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Important Information Show more

ANZ Smart Choice Super for employers and their employees received a Gold rating in SuperRatings’ 2018 product rating. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria. In 2018, the Heron Partnership awarded both ANZ Smart Choice Super for employers and their employees  and the MySuper investment option 5 Heron Quality Stars and classified the product as a Top 10 Product in respect to the quality of its insurance features. Visit for more information.

*Fee Analysis: Research conducted by SuperRatings Pty Ltd, holder of Australian Financial Services Licence No. 311880. 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 and TPD cover are automatic unless you opt out. Death, TPD and Income Protection insurance are subject to eligibility. 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, your occupational classification. You are a smoker if you’ve smoked tobacco or any other substance in the last 12 months.

Before redirecting 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 exit fees, other loss of benefits (e.g. insurance cover), increase in investment risks and where your future employer contributions will be paid.

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.

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