Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account.

Size: px
Start display at page:

Download "Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account."

Transcription

1 Telstra Super Personal Plus Application Please complete this application form to open a Telstra Super Personal Plus account. RED SECTIONS FOR YOUR INFORMATION GREY SECTIONS TO FILL OUT INVESTMENT CHOICE BENEFICIARY NOMINATION SEARCH LOST SUPER YOUR TELSTRA SUPER CONSOLIDATE YOUR SUPER CONTRIBUTIONS INSURANCE Before you start read the Telstra Super Personal Plus Product Disclosure Statement (PDS) dated 17 November 2015 and the Important Information section at the end of this form to help you complete your application complete and give our Super Choice form to your employer if you would like your employer contributions to be paid into your new Telstra Super Personal Plus account. Download the Super Choice form from if you are signing this form on behalf of another person, you will need to provide proof of the relationship in the form of a certified copy of linking document (such as guardianship papers or Power of Attorney). 1. Your Details Title Mr Mrs Miss Ms Other Surname Given name(s) Residential address Date of birth your basic info Suburb State Postcode Mobile Home phone no. Business phone no. address Postal address (if different to residential address) Suburb State Postcode P.T.O We re here to help If you have any questions or would like to talk to a Telstra Super Financial Adviser, please call us on between 8.00am and 5.30pm (Melbourne time), Monday to Friday.

2 NEW MEMBER 2. Eligibility to join Telstra Super (you must complete this section) OR OR OR I m a former employee of the Telstra Group. My employee number was (if known) I m a current Telstra Super member. My Telstra Super member number is I m transferring a benefit under the Family Law Act The reference number is I m an eligible family member of a current Telstra Super member. Please specify your relationship to the current Telstra Super member below. To see if you qualify as an eligible family member visit Relationship Their name is Their member no. (if known) Their date of birth 3. Provide your Tax File Number (TFN) and authorisation We are required to provide you with details on the collection of TFN s before you provide your TFN. See the Important Information section for details. CONSENT tfn TFN declaration I acknowledge that I have read the TFN provision in the Important Information section and understand that Telstra Super will not use my TFN for any unlawful purpose. TFN Super Search Consent You can give Telstra Super consent to use your TFN to search ATO records on your behalf for multiple/unclaimed super accounts in your name. We ll then provide you with information to help you consolidate your super accounts. This consent is voluntary. I acknowledge that I have read the TFN Super Search Consent in the Important Information section and give Telstra Super consent to use my TFN to search the ATO records to search for lost super on my behalf. My TFN is: Invest $ 4. Investment choice How would like your money invested? You can invest your super in one or more options. A buy-sell spread will apply to your investment choice. If you don t make an investment choice, your super will be invested in Telstra Super s MySuper arrangement. Refer to the Additional Information About Your Super Guide and Investment Guide, which forms part of the PDS and is available on our website Option Percentage allocation Growth Balanced Diversified Income (restrictions apply ) Defensive Growth Conservative International Shares Australian Shares Property Fixed Interest Cash MySuper Total (must equal 100) = 100 Percentage allocation for the Diversified Income option must be equivalent to a dollar value of $100,000 or greater. By selecting MySuper, your super will be invested in the relevant age-based investment stage listed above and, as you age, will automatically be moved to the next applicable investment stage within the arrangement, without incurring a buy-sell spread. If you don t make an investment choice, your super will be invested in Telstra Super s MySuper arrangement, which is the default investment strategy for accumulation members and consists of three investment stages: MySuper Growth for members aged under 45, MySuper Balanced for members aged 45 to under 65, and MySuper Conservative for members aged 65 and over.

3 5. Making contributions and Employment declaration Contributions can only be accepted if you meet one of the following conditions. Please indicate which applies to you. I am under age 65, OR I am aged between 65 and 74 and gainfully employed for at least 40 hours in a period of not more than 30 consecutive days in the current financial year. Would you like to make an initial post-tax contribution? No Yes $ (make cheque payable to Telstra Super Pty Ltd and attach it to this application) Add to your Super Note: To arrange your employer contributions to be paid into your account, please complete and give to your employer our Super Choice form available from 6. Insurance declaration (you must complete this section) You must select one option. Information about insurance cover available with your Telstra Super Personal Plus account can be found in the product disclosure statement available from I require base death cover ($1.18 per week)* complete section A I require base death and TPD cover ($2.27 per week)* complete section B I do not require any insurance cover go to section 7 * Insurance cover will not commence before the date the application is accepted by the fund. Cover will only continue subject to your account balance being above the amount required to pay your insurance premiums. Did you know? You can apply for income protection cover if you are under age 65 and currently employed working at least 15 hours per week. Information and the application form is available from INSURE ME A. Apply for base death cover only Are you suffering from symptoms of ill health or disability to that extent that: a) you satisfy one of the applicable total and permanent disablement definitions Yes No b) you are terminally ill? Yes No B. Apply for base death and TPD cover a) Are you, currently absent from work, restricted or unable to carry out all the duties of your usual occupation on a full-time basis (for at least 30 hours per week) due to an illness, sickness, accident or injury, even if your actual employment may be full-time, part-time or casual? Yes No b) Have you been unable to work for a total of four or more weeks in the last 12 months because of illness, sickness, accident or injury? Please exclude leave taken to care for someone else. Yes No c) Have you been diagnosed with, or do you suffer from, an illness, sickness or injury that may cause permanent inability to work or a terminal illness that reduces, or is likely to reduce your life expectancy to less than 12 months from the date of this application? Yes No d) Have you ever been declined or had a loading, limitation or exclusion added for insurance cover for death only, death and total and permanent disablement or income protection cover? Yes No e) Have you ever been paid or are you eligible to be paid, or have you ever claimed or are you eligible to claim, or are you currently in the process of claiming, for any illness, sickness, accident or injury, Workers Compensation, other government benefits (such as sickness benefit, invalid pension) or any insurance policy providing terminal illness, total and permanent disablement or income protection cover? Yes No Note: If you answered yes to any of the questions above, you are not eligible to apply for base death and TPD insurance cover using this form. However, you may still apply for cover by completing a Personal Statement form, which is available from our website. Refer to the Telstra Super Personal Plus Insurance Guide available from our website for the definitions of terminally ill and total and permanent disablement.. Duty of disclosure Before you enter into an insurance contract with us, you are required under the Insurance Contracts Act 1984 to provide us with the information we need to decide whether we ll accept your application for insurance, what terms will apply and what your premium will be. You must comply with the Duty of Disclosure as described below. Your Duty of Disclosure applies when applying for insurance cover and when varying or replacing any existing insurance cover. It applies from the moment you start completing the application questions and until we advise that we have accepted your application for cover, variation or replacement and issued confirmation. You must answer all of our questions honestly and completely. You must tell us everything you know and everything that a reasonable person in the circumstances could be expected to know is relevant to our decision whether to insure you and whether any special conditions need to apply to the cover. You do not need to tell us about any matter that diminishes our risk, is of common knowledge, that we know or should know as an insurer or that we tell you we do not need to know. If you have not disclosed all relevant matters to us and we would not have entered into all or part of the cover on the same terms had we known about those matters, we may avoid all or part of the cover within three years of the commencement date. If your non-disclosure or misrepresentation is fraudulent and we would not have provided the cover on the same terms had we known about these matters, we may avoid all or part of the cover at any time. This means that we can treat the cover as if it never existed and we would not be liable to pay any claims. Alternatively, instead of avoiding all or part of the cover we may decide: (a) to reduce the benefits for all or part of the cover in accordance with a formula that takes into account the premium that would have been payable if you had disclosed all relevant matters to us, although any reduction to benefits payable in respect of your death can only occur within three years of the commencement date; or (b) for any benefits provided under the cover other than benefits payable in respect of your death, to vary the cover in such a way as to place you in the position you would have been in if you had disclosed all relevant matters to us. If you have applied for cover via a financial adviser it is also your responsibility to ensure that the information provided to your adviser is accurate and complete and that the correct information is entered into the Application Form.

4 7. Nominate your beneficiaries Just in case Nominating a beneficiary helps us to determine who should receive a death benefit in the event of your death. See the Important Information section provided with this form to understand the different type of nominations and who you can nominate. Type of nomination (select one option only) I wish to make a non-binding nomination complete section A below I wish to make a binding nomination complete section A & B below I do not wish to make a nomination go to section 8 Who A. Nominate your beneficiary(ies) Full Name Address Relationship to you (please tick one only) of benefit 1. Spouse Child Financial dependant Interdependency relationship And/or my legal personal representative (Estate) Nominated percentages must total 100 and be entered as whole numbers only. 100 If you wish to nominate more beneficiaries please attach a separate sheet with details (ensure you and any applicable witnesses sign and date it on the same date). B. Binding nomination declaration This section must be completed by the member and two witnesses and must be signed and dated on the same date, otherwise it will be invalid. Member Sign Member declaration Full name Signature X Date Witness declaration I acknowledge that I m over 18 years of age, I am not nominated as a beneficiary on this form and that this form was signed and dated by the member in my presence and in the presence of the other witness. Please note witnesses must sign and date this form on the same date as you, otherwise it will be invalid. WITNESS sign Signature of Witness 1 Signature of Witness 2 Full name of Witness 1 Full name of Witness 2 Date Date

5 8. Politically Exposed Person 1. Are you a Politically Exposed Person (PEP)? See the Important Information section for the definition of a PEP. Yes No 2. If yes, please tick which PEP category applies to you a) I hold a prominent public position or function in a government body or an international organisation 1 b) I am an immediate family member of a person referred to in (a) above c) I am a close associate of a person referred to in (a) above. ARE YOU A PEP? 9. Your declaration and signature By signing this form, I: declare that I have read and understood the Telstra Super Personal Plus PDS dated 17 November 2015 and the Important Information section of this form. acknowledge that all the information I have provided on this form is true and correct to the best of my knowledge. acknowledge that I have nominated my insurance arrangements and that I have read and understood the duty of disclosure information and understand the consequences of non-disclosure. agree to be bound by the terms of the Telstra Super Trust Deed from the date I become a member of the fund. declare that I am aged 15 years or over. acknowledge that if I have more than one Telstra Super account the beneficiary nomination on this form is effective across all my accounts, except where I have nominated a reversionary beneficiary. If required, I confirm I have obtained and considered appropriate expert advice. understand that the beneficiary(ies) nominated on this form must be my dependants at the date of my death. Sign and date to validate form *Name X Sign *Signature X *Date Office use only Member no. Please return completed form to Telstra Super: Telstra Super Pty Ltd, PO Box 14309, MELBOURNE VIC 8001 Instructions for completing this form Before sending this form to Telstra Super, please check that you have: read and completed the form in its entirety, including the Important Information section. completed and provided your employer a Super Choice form to commence regular employer paid contributions (if applicable). provided your Tax File Number Declaration form. photocopied your completed application form for your records. Please return the original application form.

6 Important Information - Telstra Super Personal Plus Application (page 1 of 2) Information about providing your TFN to Telstra Super Your TFN is confidential. Before you provide your TFN we are required to tell you the following: Under the Superannuation Industry (Supervision) Act 1993, Telstra Super is authorised to collect your TFN. If provided, your TFN will only be used for lawful purposes. These purposes may change in the future as a result of legislative change. The Trustee may disclose your TFN to another super provider when your benefits are being transferred, unless you ask us in writing not to disclose your TFN to any other superannuation provider. You do not have to supply your TFN, but if you do not it may be more difficult to locate, identify or consolidate any super you have not claimed and: pre-tax contributions will be taxed at the highest marginal tax rate. Your fund may deduct this additional tax from your account. post-tax contributions cannot be accepted into your super fund. These consequences may change in the future. TFN Super Search Consent Telstra Super will use your TFN to: seek superannuation information relating to you using any facility provided by the Australian Taxation Office (ATO) when your membership of Telstra Super commences and from time to time while you remain a member of the fund as determined by Telstra Super; and prepare and provide to you for approval a transfer request form containing some details relevant to you (including your tax file number) in order to facilitate the transfer of any amounts identified by Telstra Super as a result of its inquiries to the ATO. Definition of a Politically Exposed Person Politically Exposed Person or PEP means an individual: (a) who holds a prominent public position or function in a government body or an international organisation, 1 including: (i) Head of State or head of a country or government; or (ii) government minister or equivalent senior politician; or (iii) senior government official; or (iv) Judge of the High Court of Australia, the Federal Court of Australia or a Supreme Court of a State or Territory, or a Judge of a court of equivalent seniority in a foreign country or international organisation; or (v) governor of a central bank or any other position that has comparable influence to the Governor of the Reserve Bank of Australia; or (vi) senior foreign representative, ambassador, or high commissioner; or (vii) high-ranking member of the armed forces; or (viii) Board chair, chief executive, or chief financial officer of, or any other position that has comparable influence in, any State enterprise or international organisation; or (b) who is an immediate family member of a person referred to in paragraph (a), including: (i) a spouse; or (ii) a de facto partner; or (iii) a child, a child s spouse or de facto partner; or (iv) a parent; or (c) who is a close associate of a person referred to in paragraph (a), which means any individual who is known (having regard to information that is public or readily available) to have: (i) joint beneficial ownership 2 of a legal entity or legal arrangement with a person referred to in paragraph (a); or (ii) sole beneficial ownership 2 of a legal entity or legal arrangement that is known to exist for the benefit of a person referred to in paragraph (a). 1. International organisation essentially means an organisation established by a formal political agreement by two or more countries which has the status of an international treaty. 2. Beneficial ownership means directly or indirectly owning 25 or more of an entity or exercising operational or financial control over an entity.

7 Important Information - Telstra Super Personal Plus Application (page 2 of 2) Nomination of beneficiary Binding nomination - a valid binding death benefit nomination gives you certainty about who will receive your benefit when you die and means Telstra Super must pay your death benefit according to your wishes in the event of your death to your eligible dependants. To be valid, a binding nomination must be signed and witnessed by two people over 18 who are not nominated as beneficiaries. A binding nomination must be updated at least every three years. Non-binding nomination - a non-binding nomination means that Telstra Super will be guided by your nomination in the event of your death, but will not be bound by it. Please note, your binding and non-binding nomination is effective across all your Telstra Super accounts. Who can be nominated as a beneficiary? You can nominate your eligible dependants or your legal personal representative(s) as your binding or non-binding beneficiaries. Only eligible dependants can be nominated as a reversionary beneficiary. You can nominate one or more of your dependents and/or legal personal representative(s). Your dependants include spouse a person to whom you are legally married, a person whether of the same or a different sex with whom you are in a relationship that is registered under an Australian State or Territory law, and a person whether of the same or a different sex with whom you are not legally married but who lives with you on a genuine domestic basis as a couple. child your child (or your spouse s child) of any age, including an adopted child, a step-child or an ex-nuptial child, or a child within the meaning of the Family Law legislation. financial dependant any other person totally or partially financially dependent upon you at the time of your death, or interdependency relationship any other person with whom you may have an interdependency relationship. An interdependency relationship is generally defined as: someone you have a close personal relationship with, and you live together, and one or both of you provide financial support for the other, and one or both of you provide domestic support and personal care for the other. You may also have an interdependency relationship with someone when you have a close personal relationship but do not satisfy the other criteria listed above by reason that one or both of you suffer from a physical, intellectual or psychiatric disability. Your legal personal representative is the person: nominated by you to be the executor of your will, or appointed to distribute your assets according to the laws of the relevant State or Territory (if you do not have a will). Telstra Super Pty Ltd complies with the Privacy Act 1988 (Cth). For further information on privacy, please contact the Privacy Officer on or visit our website at to download a copy of our Privacy Policy or Privacy Collection Statement. is a registered trademark of the Telstra Corporation Limited. Telstra Super Pty Ltd. is a registered trademark of the Telstra Corporation Limited. Telephone Facsimile Telstra Super Pty Ltd, ABN , AFSL , is the trustee of the Telstra Superannuation Scheme (Telstra Super) ABN /FA/W FM003/07/1215

Member Details form. Member Application Form. Step 1 Your details. Complete this form to become a member of LUCRF Super.

Member Details form. Member Application Form. Step 1 Your details. Complete this form to become a member of LUCRF Super. Member Details form Member Application Form w Complete this form to become a member of LUCRF Super. Please complete all relevant sections using CAPITAL LETTERS and a BLACK or BLUE pen. Step 1 Your details

More information

MyLife MyInsurance Application to Increase Income Protection Cover due to Salary Increase Part A

MyLife MyInsurance Application to Increase Income Protection Cover due to Salary Increase Part A MyLife MyInsurance Application to Increase Income Protection Cover due to Salary Increase Part A If you have Income Protection cover you may be eligible to increase your cover to ensure it keeps up with

More information

Life Events/Salary Increase cover

Life Events/Salary Increase cover Fact sheet and form Life Events/Salary Increase cover What this fact sheet covers This fact sheet provides information about Life Events insurance cover and Salary Increase cover available through our

More information

Zurich Super Estate Management

Zurich Super Estate Management Zurich Super Estate Management Binding Nominations The Trustee of the Zurich Master Superannuation Fund is Zurich Australian Superannuation Pty Limited ABN 78 000 880 553, AFSL 253 500, RSE Licence No.

More information

Binding death benefit nomination

Binding death benefit nomination Fact sheet Binding death benefit nomination A binding death benefit nomination can provide you with greater certainty about who will receive your benefit in the event of your death. What this fact sheet

More information

Individual insurance transfer

Individual insurance transfer AON MASTER TRUST Individual insurance transfer Use this form if you are a current member or joining the Aon Master Trust as a new member and you wish to transfer your current insurance cover with another

More information

Your death and disability benefits (Personal Members)

Your death and disability benefits (Personal Members) Rio Tinto Staff Superannuation Fund Guide 7 Your death and disability benefits (Personal Members) The information in this document forms part of the following Product Disclosure Statements for the Rio

More information

Insurance Transfer Form Russell SuperSolution Master Trust Private Division

Insurance Transfer Form Russell SuperSolution Master Trust Private Division Insurance Transfer Form Russell SuperSolution Master Trust Private Division If you hold insurance cover in another superannuation fund or directly with another life insurer, you can apply to transfer your

More information

2015 Product Disclosure Statement

2015 Product Disclosure Statement 2015 Product Disclosure Statement Personal Division Issued 1 November 2015 Contents 1. About NSF Super 2. How super works 3. Benefits of investing with NSF Super 4. Risks of super 5. How we invest your

More information

Hostplus Superannuation Fund and Hostplus Personal Super Plan. Member forms. 26 September 2015

Hostplus Superannuation Fund and Hostplus Personal Super Plan. Member forms. 26 September 2015 Hostplus Superannuation Fund and Hostplus Personal Super Plan. Member forms 26 September 2015 Which forms do I need? 1 Membership form. Use this form if you are joining Hostplus through your employer.

More information

Family law and superannuation

Family law and superannuation Family law and superannuation Fact sheet This fact sheet looks at the process of splitting a superannuation benefit under the family law process and the types of benefits that may be affected, including

More information

Lump sum benefit payment request for your superannuation or account based pension

Lump sum benefit payment request for your superannuation or account based pension Lump sum benefit payment request for your superannuation or account based pension How to claim a benefit To claim a benefit you will need to complete the attached Benefit Payment Request and send it direct

More information

Fixed insurance cover

Fixed insurance cover Fact sheet and form Fixed insurance cover When it comes to insurance cover, one size doesn t necessarily fit all. That s why you have the ability to convert your Death and Total & Permanent Disablement

More information

REQUEST FOR WITHDRAWAL

REQUEST FOR WITHDRAWAL REQUEST FOR WITHDRAWAL If you need help For assistance call NGS Super Customer Service Team on 1300 133 177. Step 1. Complete your personal details Please print in black or blue pen, in uppercase, one

More information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information

Your Super Guide. Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category. Contents. Important Information Australia Group Superannuation Fund Your Super Guide Product Disclosure Statement 15 December 2014 Nestlé Super Insured Accumulation category Contents 1 About Nestlé Super p2 2 How super works p2 3 Benefits

More information

Your death and disability benefits (Rio Tinto)

Your death and disability benefits (Rio Tinto) Rio Tinto Staff Superannuation Fund Guide 6 22 June 2012 Your death and disability benefits (Rio Tinto) The information in this document forms part of the Product Disclosure Statement for the Rio Tinto

More information

Telstra Super Personal Plus

Telstra Super Personal Plus 01/ 17 NOVEMBER 2015 PRODUCT DISCLOSURE STATEMENT Telstra Super Personal Plus Making the most of your future Contents 01 About Telstra Super and Telstra Super Personal Plus 02 02 How super works 02 03

More information

Personal Plan. Product Disclosure Statement. www.australiansuper.com/join

Personal Plan. Product Disclosure Statement. www.australiansuper.com/join Personal Plan Product Disclosure Statement www.australiansuper.com/join 1. About AustralianSuper 2. How super works 3. Benefits of investing with AustralianSuper 4. Risks of super 5. How we invest your

More information

Complete this form to withdraw part or all of your benefit as a lump sum, roll over to another GESB account and/or to another complying super fund.

Complete this form to withdraw part or all of your benefit as a lump sum, roll over to another GESB account and/or to another complying super fund. Benefit access Gesb Super and West State Super SUP E R ANNUATION Complete this form to withdraw part or all of your benefit as a lump sum, roll over to another GESB account and/or to another complying

More information

AMP Eligible Rollover Fund

AMP Eligible Rollover Fund AMP Eligible Rollover Fund Fact sheet Issued 30 June 2014 Issued by AMP Superannuation Limited ABN 31 008 414 104, AFSL No. 233060, the Trustee of AMP Eligible Rollover Fund ABN 32 931 224 407. Registered

More information

How super works Date of issue: 1 July 2013

How super works Date of issue: 1 July 2013 www.mtaasuper.com.au Phone: 1300 362 415 / Fax: 1300 365 142 An Industry SuperFund How super works Date of issue: 1 July 2013 The information in this document forms part of the Product Disclosure Statement

More information

Withdrawal Flexi Pension

Withdrawal Flexi Pension Fact sheet and form Withdrawal Flexi Pension You can make a full or partial lump sum withdrawal from your Flexi Pension account at any time. What this fact sheet covers This fact sheet explains the rules

More information

Insurance request VicSuper FutureSaver

Insurance request VicSuper FutureSaver GPO Box 89 Melbourne Vic 3001 VicSuper Member Centre 1300 366 216 vicsuper.com.au Insurance request VicSuper FutureSaver * Indicates that providing this information is mandatory. Not doing so may delay

More information

Member Application Form

Member Application Form Super Member Application Form Employer Sponsored and Personal Plan members Joining Australian Catholic Superannuation is easy. Simply complete this form using a dark pen and capital letters or type directly

More information

Beneficiary nomination form

Beneficiary nomination form MLC Insurance MLC Insurance (Super) Beneficiary nomination form 1. Your policy details Please select your MLC Insurance product: MLC Insurance MLC Insurance (Super) Policy number(s) Title Mr Mrs Miss Ms

More information

Change My Insurance Details Form

Change My Insurance Details Form Change My Insurance Details Form Please complete and return this form to: NESS Super, Locked Bag 20, Parramatta NSW 2124 Complete in pen using CAPITAL letters or type directly into this form and print

More information

Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249

Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249 The Transport Industry Superannuation Fund Insurance Guide Prepared and issued 1 July 2014 Issued by T.I.S. Pty Ltd ABN 73 065 319 735 AFSL 247249. This information in this guide forms part of the Product

More information

Application for increases without further medical evidence

Application for increases without further medical evidence MLC Insurance MLC Insurance (Super) Application for increases without further medical evidence Policy number(s) Name of Life Insured This form allows the Income Protection, Life Cover, Total and Permanent

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement Employer Sponsored Division AMIST Super Hotline 1800 808 614 www.amist.com.au service@amist.com.au Issued: 20 April 2015 Contents 1. About AMIST Super Employer Sponsored Division

More information

Member Application Form

Member Application Form Member Application Form ABN 76 829 356 693 RSE R1004366 SFN 299 735 940 SPIN CFS0102AU Chifley Financial Services Limited (Trustee) ABN 75 053 704 706 AFSL 231148 RSEL L0001120 Instructions Member Services

More information

Request to Increase Insurance Life Event

Request to Increase Insurance Life Event Request to Increase Insurance Life Event Accumulation Scheme (Division 5) members only Use this form to apply to increase your insurance cover when a specific life event has occurred. As an accumulation

More information

Member Product Disclosure Statement

Member Product Disclosure Statement Member Product Disclosure Statement Dated: 1 December 2012 CONTENTS About MTAA Super...2 How super works...2 Benefits of investing with MTAA Super...3 Risks of super...3 How we invest your money...4 Fees

More information

Super Member Income Protection Insurance Matching Form

Super Member Income Protection Insurance Matching Form Super Member Income Protection Insurance Matching Form Complete this form if you want LUCRF Super to match the amount of your existing Income Protection insurance cover held with another fund. IMPORTANT:

More information

Application for superannuation benefits temporary residents departing Australia permanently

Application for superannuation benefits temporary residents departing Australia permanently GPO Box 89 Melbourne Vic 3001 VicSuper Member Centre 1300 366 216 vicsuper.com.au Application for superannuation benefits temporary residents departing Australia permanently * Indicates that providing

More information

CommInsure Corporate Insurance. Superannuation Trust. Annual Report 2013

CommInsure Corporate Insurance. Superannuation Trust. Annual Report 2013 CommInsure Corporate Insurance Superannuation Trust Annual Report 2013 Fund CommInsure Corporate Insurance Superannuation Trust ABN 49 968 181 565 R1072457 PO Box 1282 ALBURY NSW 2640 Phone: 1300 767 400

More information

AIA Australia Risk Only Super Solution

AIA Australia Risk Only Super Solution AIA Australia Risk Only Super Solution A division of the AIA Superannuation Fund Member Product Disclosure Statement Dated 1 December 2014 Featuring: Death cover (including Terminal Illness cover) Total

More information

Member Details form Member Income Protection Insurance Matching Form

Member Details form Member Income Protection Insurance Matching Form Member Details form Member Income Protection Insurance Matching Form w Complete this form if you want LUCRF Super to match the amount of your existing Income Protection insurance cover held with another

More information

Transferring your insurance cover into Bendigo and Adelaide Bank Staff Super

Transferring your insurance cover into Bendigo and Adelaide Bank Staff Super Staff Superannuation Plan a sub-plan of IOOF Employer Super 1 January 2014 Transferring your insurance cover into Bendigo and Adelaide Bank Staff Super If you hold insurance cover in another superannuation

More information

ANZ Superannuation Savings Account Life Insurance Application Form

ANZ Superannuation Savings Account Life Insurance Application Form 12 March 2014 Customer Services Phone 13 38 63 Fax 02 9234 6668 Email customer@onepath.com.au Website anz.com Note: Please ensure you complete all details on this form. Any missing details will delay your

More information

How super is taxed. VicSuper FutureSaver Member Guide

How super is taxed. VicSuper FutureSaver Member Guide How super is taxed VicSuper FutureSaver Member Guide Date prepared 1 July 2015 The information in this document forms part of the VicSuper FutureSaver Product Disclosure Statement (PDS) dated 1 July 2015.

More information

Benefits of investing with VicSuper FutureSaver. VicSuper FutureSaver Member Guide

Benefits of investing with VicSuper FutureSaver. VicSuper FutureSaver Member Guide Benefits of investing with VicSuper FutureSaver VicSuper FutureSaver Member Guide Date prepared 1 July 2015 The information in this document forms part of the VicSuper FutureSaver Product Disclosure Statement

More information

Employer Insurance Application

Employer Insurance Application for Property Focused Employer Sponsored Super Before you sign this application form, the Trustee or your financial adviser is obliged to give you the Property Focused Super Product Disclosure Statement

More information

Death and Total and Permanent Disablement (TPD) Cover Fact Sheet

Death and Total and Permanent Disablement (TPD) Cover Fact Sheet Death and Total and Permanent Disablement (TPD) Cover Fact Sheet Who should read this fact sheet? The information in this fact sheet applies to most Defined Contribution (accumulation) members of Energy

More information

Insurance in your superannuation 3. Death and Total and Permanent Disablement (TPD) cover 3. Income protection cover 8. The Insurer s definitions 12

Insurance in your superannuation 3. Death and Total and Permanent Disablement (TPD) cover 3. Income protection cover 8. The Insurer s definitions 12 1 July 2014 JUMP TO Insurance in your superannuation 3 Death and Total and Permanent Disablement (TPD) 3 Income protection 8 The Insurer s definitions 12 Nominating your beneficiary 16 The information

More information

REST Super Member Guide

REST Super Member Guide REST Super Member Guide Effective 1 October 2015 REST Super has a MySuper option The information in this document forms part of the REST Super Product Disclosure Statement (PDS), effective 1 October 2015.

More information

ENERGY SUPER INSURANCE GUIDE. Prepared and issued 1 July 2015

ENERGY SUPER INSURANCE GUIDE. Prepared and issued 1 July 2015 ENERGY SUPER INSURANCE GUIDE Prepared and issued 1 July 2015 CONTENTS Insurance Overview 1 Death & TPD cover 1 Income Protection cover 10 Other insurance information 18 Definitions 19 ABOUT THIS ENERGY

More information

Information for employers

Information for employers ₁ Issued July ₂₀₁₅ Information for employers AMP Flexible Super Guide Registered trademark of AMP Limited ABN 49 079 54 519. This guide provides information specifically for employers about AMP Flexible

More information

Cessation of employment

Cessation of employment SR1 04/12 Cessation of employment Benefit application form Before you start Before you complete this benefit application form, please read the CSS Product Disclosure Statement. This form and the Explanatory

More information

Application Form and Rollover Form

Application Form and Rollover Form Super Division Application Form and Rollover Form Version 21, Issued 1 July 2016 EXCEPTIONAL BENEFITS! Only Water Corporation employees have access to our super fund. So join today and don t miss this

More information

KPMG Staff Superannuation Plan Product Disclosure Statement

KPMG Staff Superannuation Plan Product Disclosure Statement KPMG Staff Superannuation Plan Product Disclosure Statement Prepared: 27 June 2014 Things you should know: This Product Disclosure Statement ( PDS ) is a summary of significant information and contains

More information

Retain copies. Beneficiaries. Guarantee. Contact us

Retain copies. Beneficiaries. Guarantee. Contact us North MyNorth Client data collection form MyNorth Super A guide to completing this form Purpose of this form This form may be used by you to collect client data for the submission of a MyNorth application

More information

Contents 1 Protect yourself and

Contents 1 Protect yourself and Insurance handbook for Personal Super Auth. No. 75 493 363 262 473 1 November 2015 The information in this document forms part of the Product Disclosure Statement for Cbus Personal Super of 1 November

More information

Notice of intent. Fact sheet and form. What this fact sheet covers. Who is this fact sheet for? When should I complete a notice of intent?

Notice of intent. Fact sheet and form. What this fact sheet covers. Who is this fact sheet for? When should I complete a notice of intent? Fact sheet and form Notice of intent A notice of intent to claim or vary a deduction for personal super contributions (notice of intent) allows you to claim a tax deduction for your personal contributions,

More information

Bring your Australian super home. ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme

Bring your Australian super home. ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme Bring your Australian super home ANZ KiwiSaver Scheme ANZ Default KiwiSaver Scheme If you ve worked in Australia at any time since 1992, you may have some Australian super tucked away. You can transfer

More information

Transferring your insurance cover into JR Super

Transferring your insurance cover into JR Super The JR Superannuation Fund is a division of IOOF Employer Super. IOOF Employer Super is one of many products and services offered by the IOOF group. Transferring your insurance cover into JR Super If you

More information

Accumulation 1. Inside. Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN 54 006 027 121

Accumulation 1. Inside. Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN 54 006 027 121 Accumulation 1 Product Disclosure Statement issued 22 July 2013 by UniSuper Limited ABN 54 006 027 121 Inside 1. About UniSuper 2. How super works 3. Benefits of investing with UniSuper 4. Risks of super

More information

Transferring your insurance cover into the Medical & Associated Professions Superannuation Fund

Transferring your insurance cover into the Medical & Associated Professions Superannuation Fund AMA Financial Services Medical & Associated Professions Transferring your insurance cover into the Medical & Associated Professions If you hold insurance cover in another superannuation fund or directly

More information

Portability and rollover

Portability and rollover Fact sheet and form Portability and rollover What this fact sheet covers This fact sheet explains how to make a rollover of all or part of your UniSuper account to another complying super fund. Who is

More information

Insurance through your super

Insurance through your super Insurance through your super Review my cover Save on insurance through Super $ TPD insurance income protection Death We insure many aspects of our lives: house, car, health, life, even pets. Of all of

More information

Information for temporary residents departing Australia

Information for temporary residents departing Australia Information for temporary residents departing Australia MLC Superannuation What is a Departing Australia Superannuation Payment? The Departing Australia Superannuation Payment (DASP) is the payment of

More information

Tax on contributions. Non-concessional (after tax) contribution caps. Age at 1 July 2015 Annual cap Tax rate Under 65 $180,000* Nil 65-74 $180,000 Nil

Tax on contributions. Non-concessional (after tax) contribution caps. Age at 1 July 2015 Annual cap Tax rate Under 65 $180,000* Nil 65-74 $180,000 Nil This section summarises the main Federal Government taxes that apply to superannuation at the time of preparation. For more information, contact MyLife MySuper on 1300 MYLIFE (695 433) or the Australian

More information

Pension Application Form

Pension Application Form PITCHER RETIREMENT PRP PLAN Pension Application Form Member Details Mr Mrs Miss Ms Other First given name Middle names Family name Date of Birth / / Residential address Suburb/town State Postcode Daytime

More information

Income Protection Continuing Claim Form

Income Protection Continuing Claim Form MLC Insurance Income Protection Continuing Claim Form MLC Nominees Pty Limited ABN 93 002 814 959 AFSL 230702 RSE L0002998 The Universal Super Scheme ABN 44 928 361 101 R1056778 Superannuation Fund Number

More information

INSURANCE GUIDE INSIDE. Rebecca Farrell QIEC Super member

INSURANCE GUIDE INSIDE. Rebecca Farrell QIEC Super member INSURANCE GUIDE INSIDE Cover your family How much insurance do you need? Discount insurance products Insurance basics Rebecca Farrell QIEC Super member Prepared 1 June 2012 by the Trustee QIEC Super Pty

More information

The Insurer s definitions 12. Nominating your beneficiary 16

The Insurer s definitions 12. Nominating your beneficiary 16 Russell iq Super 1 July 2014 JUMP TO Insurance in your superannuation 3 The Insurer s definitions 12 Nominating your beneficiary 16 The information in this document provides additional information to the

More information

Early release of super on compassionate grounds How to make a claim

Early release of super on compassionate grounds How to make a claim Early release of super on compassionate grounds How to make a claim Please note if you have ceased work due to sickness or injury, call us on 13 11 84 before proceeding. Am I eligible to make a claim?

More information

Product. Disclosure Statement. 2. How superannuation works. 1. About Russell SuperSolution CONTENTS. Russell SuperSolution General Division

Product. Disclosure Statement. 2. How superannuation works. 1. About Russell SuperSolution CONTENTS. Russell SuperSolution General Division Your Product Disclosure Statement Russell SuperSolution General Division 1 July 2015 CONTENTS 1. About Russell SuperSolution...1 2. How superannuation works...1 3. Benefits of investing in Russell SuperSolution...2

More information

Challenger Guaranteed Allocated Pension

Challenger Guaranteed Allocated Pension Challenger Guaranteed Allocated Pension Product Disclosure Statement (PDS) Dated 1 January 2015 Challenger Retirement Fund Allocated Pension (SPIN CIT0101AU) (ABN 87 883 998 803) (RSE Registration Number

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement MYSUPER AUTHORISATION NUMBER 72229227691044 1 July 2014 NESS Super, the industry fund to power your financial future inside 1 About NESS Super 2 2 How super works 2 3 Benefits

More information

Understanding Superannuation

Understanding Superannuation Understanding Superannuation Client Fact Sheet July 2012 Superannuation is an investment vehicle designed to assist Australians save for retirement. The Federal Government encourages saving through superannuation

More information

Permanent Disability Benefit Guide. Issued: December 2013

Permanent Disability Benefit Guide. Issued: December 2013 Permanent Disability Benefit Guide Issued: December 2013 Contents Your insurance... 3 Permanent disability benefit... 4 How is my benefit calculated?... 6 How is my benefit paid?... 7 Review and appeal

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement Prepared and issued 15 June 2015 CONTENTS 1. About QIEC Super 2. How super works 3. Benefits of investing with QIEC Super 4. Risks of super 5. How we invest your money 6. Fees

More information

Super/pension account Payment request

Super/pension account Payment request Super/pension account Payment request Complete this form in BLOCK LETTERS and: post it to Asgard, PO Box 7490, Cloisters Square, Perth WA 6850 or fax it to (08) 9481 4834 Note: if this form is faxed, you

More information

Redundancy. Benefit application form. Before you start SRR1 01/14. What we need from you. What you can expect from us

Redundancy. Benefit application form. Before you start SRR1 01/14. What we need from you. What you can expect from us SRR1 01/14 Redundancy Benefit application form Before you start Before you complete this benefit application form, please read the CSS Product Disclosure Statement. This form and the Explanatory notes

More information

Insurance Variation Form

Insurance Variation Form Insurance Variation Form SEND YOUR COMPLETED FORM TO: Australian Ethical Super, Locked Bag 5125, Parramatta NSW 2124. Please use BLOCK LETTERS and BLACK ink. Important notes Please use this form if you

More information

JUMP TO. Insurance in your superannuation 3. Types of insurance cover within Russell SuperSolution 4. Income protection cover 11

JUMP TO. Insurance in your superannuation 3. Types of insurance cover within Russell SuperSolution 4. Income protection cover 11 Russell SuperSolution General Division 1 July 2015 JUMP TO Insurance in your superannuation 3 Types of insurance cover within Russell SuperSolution 4 Death and Total and Permanent Disablement (TPD) cover

More information

Superannuation death benefits

Superannuation death benefits Last updated: 7 September 2010 Last updated: 1 January 2011 Superannuation death benefits This TapIn Guide looks at the key tax issues relating to superannuation death benefits paid from a complying superannuation

More information

Things you should know

Things you should know Westpac Group Plan Defined Benefit Pension (including Spouse pension) Product Disclosure Statement (PDS) Dated: 1 July 2014 Things you should know The Westpac Group Plan Defined Benefit pension provides

More information

MLC MasterKey Business Super

MLC MasterKey Business Super Preparation date 5 December 2014 Issued by The Trustee MLC Nominees Pty Limited (MLC) ABN 93 002 814 959 AFSL 230702 The Fund The Universal Super Scheme ABN 44 928 361 101 This application form is valid

More information

Insurance in your super

Insurance in your super Insurance in your super Fact sheet Information in this fact sheet is current as at 1 July 2015 Contents Overview 1 What is Life cover? 5 How your Life cover works 6 When is your insured benefit payable?

More information

Withdrawals. 1. Investor details

Withdrawals. 1. Investor details MLC Navigator Investment Plan MLC Navigator Retirement Plan MLC Navigator Access Investment MLC Navigator Access Super and Pension Withdrawals Please tick where appropriate: Account closure (Sections 1,

More information

The Executive Superannuation Fund

The Executive Superannuation Fund The Executive Superannuation Fund Agenda Overview of The Executive Superannuation Fund ( the Fund ) Contributions ti and insurance benefits available to KPMG staff Investment option asset allocation Investment

More information

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015

BT Business Super. Additional Information Booklet Part 3 Insurance. Dated: 1 July 2015 Last updated: 1 July 2015 BT Business Super Additional Information Booklet Part 3 Insurance Dated: 1 July 2015 Last updated: 1 July 2015 About this Additional Information Booklet This document is Part 3 of the Additional Information

More information

ENTERPRISE SUPER MEMBERS GUIDE. EMPLOYER SPONSORED SUPERANNUATION & PERSONAL SUPERANNUATION Issue Date: 22 June 2012

ENTERPRISE SUPER MEMBERS GUIDE. EMPLOYER SPONSORED SUPERANNUATION & PERSONAL SUPERANNUATION Issue Date: 22 June 2012 ENTERPRISE SUPER EMPLOYER SPONSORED SUPERANNUATION & PERSONAL SUPERANNUATION Issue Date: 22 June 2012 Enterprise Super is a division of General Retirement Plan, ABN 32 894 907 884 PO Box 1282, Albury NSW

More information

Investment Account. Application Form. Page 1 / 15. Escala Investment Account Application Form

Investment Account. Application Form. Page 1 / 15. Escala Investment Account Application Form Investment Account Application Form Page 1 / 15 Escala Investment Account Application Form Responsible Entity: Powerwrap Limited (Australian Financial Services Licence No. 329829 ARSN 137 053 073) Please

More information

Employee Super Transfer authority

Employee Super Transfer authority Employee Super Transfer authority Use this form when you wish to transfer benefits from another superannuation fund into your Asgard Employee Super Account. Please complete this Transfer authority in BLOCK

More information

Tasmanian Accumulation Scheme Death and Incapacity Cover

Tasmanian Accumulation Scheme Death and Incapacity Cover Death and Incapacity Cover Retirement Benefits Fund Tasmanian Accumulation Scheme Death and Incapacity Cover Information in this brochure is current as at 18 January 2012 Retirement Benefits Fund Tasmanian

More information

WA Super Insurance Guide

WA Super Insurance Guide MY SUPER APPROVED WA Super Insurance Guide The information in this document forms part of the WA Super Product Disclosure Statement, November 2013 You should read the PDS in conjunction with this Member

More information

Sunsuper for life. A simple and easy solution for life! Low fees Strong performance MySuper approved. Product Disclosure Statement

Sunsuper for life. A simple and easy solution for life! Low fees Strong performance MySuper approved. Product Disclosure Statement Sunsuper for life Product Disclosure Statement Preparation date: 9 June 2015 Issue date: 1 July 2015 A simple and easy solution for life! Low fees Strong performance MySuper approved Contents Page 1 About

More information

your GuildSuper product disclosure statement

your GuildSuper product disclosure statement your GuildSuper product disclosure statement Issued 1 July 2014 Contents About GuildSuper 2 How super works 2 Benefits of investing with GuildSuper 3 Risks of super 3 How we invest your money 4 Fees and

More information

Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015

Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015 Plum Superannuation Fund Plum Superannuation Fund Plum Personal Plan Preparation date: 18 December 2015 This update to the Plum Superannuation Fund Product Disclosure Statement is provided as a result

More information

Reliance Super. Product Disclosure Statement. 1 July 2015. Contents. a membership category of Maritime Super. Contact Member Services

Reliance Super. Product Disclosure Statement. 1 July 2015. Contents. a membership category of Maritime Super. Contact Member Services Product Disclosure Statement 1 July 2015 Contents 1. About Maritime Super s Reliance Super 2 Reliance Super a membership category of Maritime Super 2. How super works 2 3. Benefits of investing with Reliance

More information

Benefit transfer or payment request

Benefit transfer or payment request AON ELIGIBLE ROLLOVER FUND Benefit transfer or payment request Use this form to request a transfer/rollover of your benefit to another superannuation fund or a benefit payment to you. Transferring or paying

More information

Reliance Super. Taxation Supplement. 14 March 2014. a membership category of Maritime Super

Reliance Super. Taxation Supplement. 14 March 2014. a membership category of Maritime Super Taxation Supplement 14 March 2014 Contents Tax on contributions 2 Tax on rollovers 3 Tax on investment earnings 3 Tax on super benefits 3 Spouse tax offset 7 Tax deductions for the self-employed 7 Low

More information

WHOLE BALANCE TRANSFER TO A KIWISAVER SCHEME

WHOLE BALANCE TRANSFER TO A KIWISAVER SCHEME WHOLE BALANCE TRANSFER TO A KIWISAVER SCHEME Issued 1 November 2014 Please use this form to transfer your whole superannuation balance to a KiwiSaver scheme. Transferring only part of your superannuation

More information

grow your super Seven ways to Some handy hints to help you grow your super investments December 2014 Now incorporating Find out how you can:

grow your super Seven ways to Some handy hints to help you grow your super investments December 2014 Now incorporating Find out how you can: Find out how you can: Make regular personal contributions a small amount can make all the difference. Salary sacrifice your contributions and reduce your tax at the same time. Seven ways to grow your super

More information

Insurance Personal Questionnaire

Insurance Personal Questionnaire Insurance Personal Questionnaire Name of Client 1: Name of Client 2: This section is completed by your Adviser Adviser Name: Adviser Code: Interview Date: FSG Version Number Provided: Adviser Profile Number

More information

Member Booklet: RBF Tasmanian. Accumulation Scheme. Table of contents. About the RBF Tasmanian 2. Accumulation Scheme

Member Booklet: RBF Tasmanian. Accumulation Scheme. Table of contents. About the RBF Tasmanian 2. Accumulation Scheme Member Booklet: RBF Tasmanian Accumulation Scheme Information in this booklet is current as at 1 July 2015 Table of contents About the RBF Tasmanian 2 Accumulation Scheme How super works Benefits of investing

More information

Insurance guide. SignatureSuper AMP Life Association and Personal fact sheet. Issued ₁ July ₂₀₁₅

Insurance guide. SignatureSuper AMP Life Association and Personal fact sheet. Issued ₁ July ₂₀₁₅ Issued ₁ July ₂₀₁₅ Insurance guide SignatureSuper AMP Life Association and Personal fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document

More information