Log into firstonline to view your latest annual statement. Log into your account.
Make sure your insurance cover suits your circumstances – especially when your circumstances change.
If you get married, divorced, start a family, or change jobs, it can be worth reviewing your insurance to make sure it’s still right for you.
Here’s how to make changes any time.
Normally, the value of any Death (including Terminal Illness) and Total and Permanent Disablement (TPD) insurance cover you have will decrease as you get older.
By “fixing” your cover, you can lock in the value of your insurance. This means the amount of cover you hold stays the same.
You will pay slightly higher premiums if you do this, so it’s a good idea to use the Insurance cost calculator to get a quote for this. Fix your cover using the Change or Cancel Your Insurance Cover form.
Change or Cancel Your Insurance Cover form
Need more cover for your circumstances? You can apply for the following.
Use MetApply in your firstonline account or complete the relevant sections of the Insurance Cover application form to make these changes.
Insurance Cover application form
If you don’t need as much insurance anymore, or you want to pay less, you can reduce the cover you hold.
Did you know each unit of Death and TPD cover dropped will reduce your insurance cost by $2.69 per week if you are in the Blue Collar/manual occupation category?
Reduce your cover using MetApply in your firstonline account or the Change or Cancel Your Insurance Cover form.
A note about TPD cover
If you are cancelling some of your insurance but not all of it, you must make sure you have at least as much Death cover as TPD cover remaining. You cannot have more TPD cover than Death cover.
If you have decided you don’t want insurance anymore, you must tell us in writing by completing the relevant sections of the Change or Cancel Your Insurance Cover form or call us on 1300 360 988. You will continue to be charged premiums up until this time.
Without insurance cover, you might find it difficult to cover your costs if you need medical care or can’t work for a long period of time.
You can reapply for your cover later, but we can’t reinstate your old cover. Our insurer will need to assess your eligibility for cover.
This means you would need to complete an Insurance Cover Application form, including a health statement, and we might ask you for additional health checks or medical information to decide the amount of cover we can give you.
> Learn more about the benefits of insurance in super
Not sure how much insurance you need?
First Super’s financial planners can help you choose the right level of insurance cover for your circumstances.
Better yet, most advice about insurance is at no extra cost. It’s covered by the fees you pay as a member of the fund.
If you would like to discuss your insurance cover, or if you have any other questions, please don’t hesitate to call our Member Services Team on 1300 360 988, or email us.
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