Additional features

Insurance included

ANZ Smart Choice Super - Protect yourself and your family
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Please enter an age between 16 - 75
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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

 

Protect yourself and your family.

If the worst happens, it’s good to know ANZ Smart Choice Super provides automatic Death cover with the option to add Total and Permanent Disability cover. View Conditions.

No forms, no medical checks and with no impact on your take home pay. 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.

Online insurance application form

 

 

How to apply or find out more

Online

It only takes 5 minutes.

Call 13 12 87

Request a call back
Mon to Fri, 8am to 7pm (AEST).

At a branch

Find your nearest
ANZ branch.

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Important Information Show more

ANZ Smart Choice Super received a Gold rating in SuperRatings’ 2018 product rating. SuperRatings does not issue, sell, guarantee or underwrite this product. Go to superratings.com.au for details of its ratings criteria.

The Heron Partnership awarded ANZ Smart Choice Super and Pension ‘5 Heron Quality Stars’ and classified it as a Top 10 Product in respect to the quality of its insurance features in 2018. Visit heronpartners.com.au for more information.

Applications for additional cover will be assessed by the insurer for approval.

*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 cover is automatic and can be removed via ANZ Internet Banking or by calling Customer Services on 13 12 87 the day after your account is opened.

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 accounts. Refer to the PDS for further detail.

Before redirecting 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), increase in investment risks and where your future employer contributions will be paid.

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 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 anz.com 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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