Super Funds Comparison Fact Sheet

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Super Funds Comparison Fact Sheet"

Transcription

1 Super Funds Comparison Fact Sheet This fact sheet has been prepared for new and prospective members of. However, it is not relevant to: members who have been issued with a Part Two Information former ESI Super or SPEC Super members (who became members on 1 April 2011), or Income Stream, Market Linked Pension or Defined Benefit members. This fact sheet aims to help you compare the costs and benefits of to another super. It is modelled on the Australian Securities and Investments Commission s (ASIC) comparison table, which is available for download at fido.gov.au by clicking on Superannuation and Super comparison worksheet under the About financial products tab. To complete the worksheet, you will need to obtain information about the other super you are comparing us with by contacting that or referring to their Product Disclosure Statement. Any further information you require on s product and services offering can be obtained from the Member Guide and Information (if applicable). recommends that members considering changing s read the Super decisions booklet, also available from fido.gov.au, and seek financial advice before acting. Please note: If you are employed by an participating or registered employer, you may have arrangements that differ from those outlined in this fact sheet. Please contact us to confirm the specific arrangements that apply to your membership. Super Funds Comparison Worksheet Questions to ask when comparing s Extra employer contributions 1 Some employers make additional contributions for employees who are members of. An Energy Super Information provides information about these arrangements, if applicable. Redundancy benefits Fees & costs as at 1 April 2011 Management costs for your investment option as % of your total account? Please note: In this is the amount deducted from the earnings of the Fund before returns are applied to your account. It includes a percentage based administration fee of 0.22% plus the asset management fees that apply to each investment option. The 0.22% is capped at $2,200 in a financial year for your total account balance including any linked accounts. Updated estimates are posted on our website from time to time, when updated information about fees and expenses becomes available. provides support services (education and advice) for members facing redundancy. 0.22% for the Cash Deposit option (annual cost is $2.20 per $1,000) 0.32% for the Cash Enhanced option (annual cost is $3.20 per $1,000) 0.54% for the Stable option (annual cost is $5.40 per $1,000) 0.58% for the Capital Managed option (annual cost is $5.80 per $1,000) 1 of 6

2 Fees & costs as at 1 April 2011 Continued... Amount of any additional dollar-based management costs Contribution fee, as % of contribution Withdrawal fee, as % of each amount withdrawn Termination fee, as % of your total account on closing it Service fees switching fee (changing investment options) Service fees withdrawal fee Service fees adviser service fee Service fees international transfer fee Service fees finding a lost member fee 0.68% for the Balanced option (annual cost is $6.80 per $1,000). 0.99% for the SRI Balanced option (annual cost is $9.90 per $1,000). 0.72% for the Growth option (annual cost is $7.20 per $1,000). 0.31% for the Australian Shares option (annual cost is $3.10 per $1,000). 0.71% for the International Shares option (annual cost is $7.10 per $1,000). $52.00 p.a. fixed administration fee per member account, deducted monthly. One free switch annually, then $25.00 per switch. An agreed fixed dollar fee (with a possible subsidy 2 ) may be charged for advice from ESI Financial Services. This is not a fixed fee. will charge members for this service on a cost recovery basis. Indicative cost is between $300-$400 per transfer. This is not a fixed fee. will charge members for this service on a cost recovery basis. Indicative cost is between $30-$50 per lost member found. 2 of 6

3 Insurance Automatic cover or subject to medical questionnaire or examination Death Only insurance: $ cost per annum for the amount of cover you want or cost of compulsory cover Death and Total & Permanent Disability (TPD): $ cost per year for the amount of cover you want or cost of compulsory cover Automatic cover provided to members joining through an participating or registered employer. If joining by direct application (public offer) to the Fund cover may be subject to medical questionnaires and possible medical checks. Standard cost of $34.32 per unit per annum for Death Only (age based amount covered/unit). 3 Discounted costs apply if a member works in a White Collar/Professional occupation. Standard cost of $57.20 per unit per annum for Death and TPD (age based amount covered/unit). 3 Discounted costs apply if a member works in a White Collar/Professional occupation. Income Protection cover for up to 2 years of income protection payments: $ cost per year for the amount of cover you want Cost of default IP cover with a 14 day wait period is $1,040 per annum 4. (Default IP cover is valued at $104,000 per annum). Any members who are not eligible for Workers Compensation pay a higher cost for IP cover. Any relevant restrictions on benefit payments, e.g. age limits, dangerous jobs, maternity leave Death and TPD insurance cover stops at age 70. Cover ceases if a member joins the armed forces of any country. Income Protection - No benefit is payable for a disability arising from intentional self-inflicted injuries, any consequence of war, invasion or civil war, normal pregnancy and maternity leave, any preexisting sickness within the first 2 years after cover commences. Please note: Some employers have different insurance cover and cost arrangements through. Read your Information (if applicable) to determine your employer s insurance arrangements. 3 of 6

4 Investment options At least one growth and one conservative (defensive) option Defensive options: Cash Deposit, Cash Enhanced, Stable, Capital Managed Growth options: Balanced, SRI Balanced, Growth, Australian Shares, International Shares Enough investment options for you? Yes or No? Investment performance % each year, based on average five-year performance of your investment option. (performance figures are compound average annual returns, net of administration & management fees.) Please see our latest Annual Report for more comprehensive investment return information. Past performance is not indicative of future performance. 5 year investment performance as at 30 June 2010: Cash Deposit (This option commenced on 17 December Therefore five year performance data is not available.) Cash Enhanced 4.56% Stable 4.97% Capital Managed investment option 5.07% Balanced 3.57% SRI Balanced (This option commenced on 24 July Therefore, five year performance data is not available.) Growth 4.55% Australian Shares 5.04% International Shares -0.82% services Member access to view and make changes to your account on the web Interactive online education modules Income streams including Transition to Retirement Subsidised financial advice Yes Yes Yes, Income Streams or Transition to Retirement Income Streams available. members have access to subsidised in-house financial advice. Please note: Advice subsidy is based on the member s account balance. For more information, go to the Financial Advice section at energysuper.com.au 4 of 6

5 services Anti detriment benefit On the death of a member an anti-detriment benefit is payable to eligible beneficiaries. It is only payable as an addition to a lump sum death benefit. Anti-detriment benefits generally apply if a member dies when they are in the accumulation phase of super. 1. Your employer may have conditions for making extra contributions or may have an arrangement with about extra contributions. You should check with your employer regarding this issue. 2. can provide information and general advice free of charge to members. You can also receive personal financial advice at an agreed fee from ESI Financial Services. may provide a subsidy (between $300-$800) to eligible members to reduce the cost of the advice where it is related to and/or retirement planning. For more information, please go to the Financial Advice section of our website at energysuper.com.au 3. You access Death & TPD insurance by paying a premium for each unit of insurance cover. The level of cover is age based, shown in the table below. 4. Your Income Protection cover is accessed by paying a premium based on your level of cover. IP payments are made fortnightly in arrears and are limited to the lesser of 90% of your income, plus a 10% contribution or the amount you are insured for plus a 10% contribution. Please note: For more information about the Fund please read the Member Guide Product Disclosure Statement (PDS) available on the website. For more information about s income stream please read the Income Stream PDS also at energysuper.com.au. Or you can request a hard copy of either PDS by contacting our team on ENERGY ( ). Cost of Death & Total and Permanent Disablement (TPD) insurance cover Insurance cover depends on your age and the amount of insurance cover you wish to have. Insurance premiums are deducted each year from your account. The amount deducted is shown on your Annual Statement. The table below shows the amount of insurance cover for each unit of insurance cover you have. The level of cover is based on your age next birthday. Age next birthday More information Amount of cover per unit Age next birthday Amount of cover per unit Age next birthday $108, $34, $5, $103, $31, $4, $98, $27, $4, $97, $24, $4, $97, $21, $3, $83, $18, $3, $77, $16, $3, $71, $14, $2, $66, $12, $2, $60, $10, $2, $55, $9, $2, $49, $8, $1, $44, $7, $1, $39, $6,300 Amount of cover per unit Example: Calculating the cost of Death & TPD Insurance cover A Member of the Fund is 44 years old and has 5 units of Death & TPD cover. At this age (45 next birthday) their insured amount is $155,000 (5 x $31,000). The member s standard insurance cost is $ per annum (5 x $1.10/week x 52 = $286 per annum). 5 of 6

6 Cost of Income Protection insurance cover The cost you pay for your insurance depends on the level of cover you choose and whether or not you are covered by a Workers Compensation scheme (such as WorkCover Queensland). Cost of cover for a benefit payment period of 2 years Standard cover Description Income Protection benefit 1, 2 up to: Cost for members with Workers Cost for members without Workers A Major Projects or income up to $173,333 p.a. $3,000 per week $36 per week $57.60 per week B (default) Commercial Construction or income up to $115,555 p.a. $2,000 per week $20 per week $32.00 per week C Construction or income up to $92,444 p.a. $1,600 per week $16 per week $25.60 per week D Power Generation or income up to $69,333 p.a. $1,200 per week $12 per week $19.20 per week E /Office workers or income up to $57,777 p.a. $1,000 per week $9 per week $14.40 per week F Apprentices/Office workers or income up to $46,222 p.a. $800 per week $7 per week $11.20 per week Additional cover Income Protection benefit 1, 2 up to: $4,000 per week $5,000 per week $6,000 per week $7,000 per week Cost for members with Workers Additional $12 per week for each $1,000 of cover above Category A Cost for members without Workers Additional $19.50 per week for each $1,000 of cover above Category A 1 To a maximum benefit of 90% of income plus 10% super contribution 2 Indexed annually by 5% More information Call ENERGY ( ) or visit energysuper.com.au This document provides general financial product advice only and should not be relied on as legal or taxation advice, nor does it take the place of such advice. It has been prepared for the general information of members of. It does not take into account any member s individual financial objectives, financial situation or needs. Any statements of law or proposals are based on our interpretation of the law or proposals as at 1 April We recommend that you seek help from a licensed financial adviser before acting on any information in this fact sheet or making any decision about your benefit. You should obtain a Product Disclosure Statement (PDS) and consider the PDS before making any decision. While all due care and diligence has been taken in the preparation of this document, the Trustee reserves the right to correct errors or omissions. If there are inconsistencies between the terms of s Trust Deed and this document, the terms of the Trust Deed prevail. Any information or advice included in this Fact Sheet is provided by ESI Financial Services Pty Ltd (ABN AFSL ). Electricity Supply Industry Superannuation (Qld) Ltd (ABN AFSL ) is the Trustee for (ABN ). 6 of 6

Super Funds Comparison Worksheet

Super Funds Comparison Worksheet Super Funds Comparison Worksheet This worksheet has been prepared for new and prospective Defined Contribution members of. However, it is NOT relevant to Income Stream, Market Linked Pension or Defined

More information

Super Funds Comparison Worksheet

Super Funds Comparison Worksheet Super Funds Comparison Worksheet This worksheet has been prepared for new and prospective Defined Contribution members of. However, it is NOT relevant to Income Stream, Market Linked Pension or Defined

More information

Income Protection Fact Sheet

Income Protection Fact Sheet Income Protection Fact Sheet Who should read this fact sheet? The information in this fact sheet applies to most Defined Contribution (accumulation) members of Energy Super. It is not relevant to Defined

More information

Energy Super Insurance Guide. Prepared and issued 30 April 2013

Energy Super Insurance Guide. Prepared and issued 30 April 2013 Energy Super Insurance Guide Prepared and issued 30 April 2013 Contents Insurance Overview 1 Death & Total and Permanent Disablement cover 1 Income Protection cover 9 Other insurance information 15 Definitions

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

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

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

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

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

Changes to UniSuper products. AA Leah Heiss, RMIT NOVEMBER 2013. INSURANCE AA What will happen while we transfer our external insurance arrangements

Changes to UniSuper products. AA Leah Heiss, RMIT NOVEMBER 2013. INSURANCE AA What will happen while we transfer our external insurance arrangements Changes to UniSuper products NOVEMBER 2013 Read this brochure to find out about: What will happen while we transfer our external arrangements from Hannover Life Re of Australasia (Hannover) to TAL Life

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

ADDITIONAL DESCRIPTION DATE INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015. Tailored Employer Plans

ADDITIONAL DESCRIPTION DATE INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015. Tailored Employer Plans ANZ Smart Headline Choice goes Super here ADDITIONAL DESCRIPTION DATE INSURANCE GUIDE FOR EMPLOYERS AND THEIR EMPLOYEES 25 MAY 2015 Tailored Employer Plans Legal entity referred to in this Guide Name of

More information

Super Informed Accumulation 2

Super Informed Accumulation 2 Super Informed Accumulation 2 This special edition of Super Informed should be read together with your personalised letter and estimate, which together form a Significant Event Notice. October 2014 2 About

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

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

LIFE, DISABILITY AND INCOME PROTECTION

LIFE, DISABILITY AND INCOME PROTECTION This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 14 August 2015 LIFE, DISABILITY AND INCOME PROTECTION * FACT SHEET 6 14 AUGUST 2015 It s vital that you re prepared

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

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

Issued ₁ July ₂₀₁₅. Insurance Guide. SignatureSuper AIA fact sheet. AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379.

Issued ₁ July ₂₀₁₅. Insurance Guide. SignatureSuper AIA fact sheet. AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. Issued ₁ July ₂₀₁₅ Insurance Guide SignatureSuper AIA fact sheet AMP Corporate Super Registered trademark of AMP Life Limited ABN 84 079 300 379. The information in this document forms part of the product

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

Core Super MySuper. Insurance & Other Important Information 3 August 2015

Core Super MySuper. Insurance & Other Important Information 3 August 2015 Core Super MySuper Insurance & Other Important Information 3 August 2015 As a Core Super MySuper member you have Income Protection as well as Life and Total and Permanent Disablement [TPD] Insurance available

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

Superannuation Product Disclosure Statement effective 1 January 2016

Superannuation Product Disclosure Statement effective 1 January 2016 Superannuation Pensions Insurance Financial Advice Superannuation Product Disclosure Statement effective 1 January 2016 Contents About us 2 How super works 3 Benefits of investing with us 3 Risks of super

More information

Manildra Flour Mills Retirement Fund (ABN 32 448 411 930)

Manildra Flour Mills Retirement Fund (ABN 32 448 411 930) Manildra Flour Mills Retirement Fund (ABN 32 448 411 930) Announcement: New Income Protection benefit in the Manildra Flour Mills Retirement Fund from July 2013 The Trustee of the Manildra Flour Mills

More information

Insurance guide. SignatureSuper MetLife fact sheet. Issued ₁ July ₂₀₁₅

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

More information

ANZ Super Advantage INSurANce GuIde

ANZ Super Advantage INSurANce GuIde ANZ Super Advantage Insurance Guide 27 February 2012 ANZ Super Advantage Entity details in this Insurance Guide Name of legal entity Registered numbers Abbreviated terms used throughout this Guide OnePath

More information

Nestlé Australia Group Superannuation Fund

Nestlé Australia Group Superannuation Fund Nestlé Australia Group Superannuation Fund Information about your super Greg Hughes - Russell Investments What we are going to talk about today.. How to find out more about your super In particular: Your

More information

protecting you and your family

protecting you and your family protecting you and your family Insurance guide Effective 1 July 2015 Issued by CSF Pty Limited ABN 30 006 169 286, AFSL 246664, Trustee of the MyLifeMyMoney Superannuation Fund ABN 50 237 896 957 mylifemyinsurance.com.au

More information

Flexible Lifetime Super

Flexible Lifetime Super Issued ₁ July ₂₀₁₅ Flexible Lifetime Super Insurance fact sheet Registered trademark of AMP Life Limited ABN 84 079 300 379. This document is a fact sheet for the product disclosure statement (PDS) dated

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

Reliance Super (a membership category of Maritime Super) Maritime Super Division Insurance Supplement

Reliance Super (a membership category of Maritime Super) Maritime Super Division Insurance Supplement Reliance Super (a membership category of Maritime Super) Maritime Super Division Insurance Supplement 1 July 2015 About this Supplement The information in this Supplement forms part of the Reliance Super

More information

Super for creative people. INSURANCE GUIDE. Issued 1 July 2014 MY SUPER AUTHORISED PRINT. MEDIA. ENTERTAINMENT. ARTS.

Super for creative people. INSURANCE GUIDE. Issued 1 July 2014 MY SUPER AUTHORISED PRINT. MEDIA. ENTERTAINMENT. ARTS. Super for creative people. INSURANCE GUIDE Issued 1 July 2014 PRINT. MEDIA. ENTERTAINMENT. ARTS. MY SUPER AUTHORISED CONTENTS 1. Protection when you need it most 3 Three types of cover available 3 Which

More information

SignatureSuper Insurance Guide Fact Sheet Association and SignatureSuper Personal Plans AMP Life Limited

SignatureSuper Insurance Guide Fact Sheet Association and SignatureSuper Personal Plans AMP Life Limited SignatureSuper Insurance Guide Fact Sheet Association and SignatureSuper Personal Plans AMP Life Limited Issued 30 June 2014 AMP Corporate Super The information in this Fact Sheet forms part of the SignatureSuper

More information

Insurance in your super

Insurance in your super Insurance in your super The information in this document forms part of the: UniSuper Accumulation 1 Product Disclosure Statement issued on 3 January 2015 UniSuper Defined Benefit Division and Accumulation

More information

BT Lifetime Super Employer Plan

BT Lifetime Super Employer Plan BT Lifetime Super Employer Plan 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

More information

REST Super Insurance Guide

REST Super Insurance Guide REST Super Insurance Guide Including Application for insurance Effective 1 January 2016 The information in this document forms part of the REST Super Product Disclosure Statement (PDS) effective 1 October

More information

PROTECT YOUR INCOME IF YOU CAN T WORK

PROTECT YOUR INCOME IF YOU CAN T WORK This document forms part of the NGS Super Member Guide (Product Disclosure Statement) dated 1 April 2014 PROTECT YOUR INCOME IF YOU CAN T WORK FACT SHEET 7 1 APRIL 2014 It s vital that you re prepared

More information

Defined Benefits Fund guide

Defined Benefits Fund guide Defined Benefits Fund guide Queensland local government employees other than Brisbane City Council, Queensland Urban Utilities and associated employees Closed to new members from 1 July 1998 Date prepared:

More information

we make it easy for you

we make it easy for you Insurance Guide PDS Supplement we make it easy for you Dated 10 November 2015 CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725 PDS Supplement The information

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

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

Terry White Chemists Superannuation a sub plan of FirstChoice Employer Super

Terry White Chemists Superannuation a sub plan of FirstChoice Employer Super July 2013 Page 1 Contents Category 1 - Permanent and Part Time staff working more than 15 hours per week Benefits in Brief...1 Getting Started...1 Your Investment Choices...2 Benefits of Insurance Cover...2

More information

Your Guide. to the Meridian. Personal. Super Plan. Product Disclosure Statement. Issued 1 January 2004 MPS 4

Your Guide. to the Meridian. Personal. Super Plan. Product Disclosure Statement. Issued 1 January 2004 MPS 4 Your Guide to the Meridian Product Disclosure Statement Issued 1 January 2004 Personal Super Plan MPS 4 What this Guide is about MPSuper Product Disclosure Statement This Guide was prepared and issued

More information

Protecting you and your family. Insurance guide. www.csf.com.au. Effective 1 April 2014

Protecting you and your family. Insurance guide. www.csf.com.au. Effective 1 April 2014 Protecting you and your family Insurance guide Effective 1 April 2014 www.csf.com.au Issued by CSF Pty Limited ABN 30 006 169 286, AFSL 246664, Trustee of the Catholic Superannuation Fund ABN 50 237 896

More information

ENERGY SUPER CORPORATE INSURANCE GUIDE. Prepared and issued 1 July 2015

ENERGY SUPER CORPORATE INSURANCE GUIDE. Prepared and issued 1 July 2015 ENERGY SUPER CORPORATE INSURANCE GUIDE Prepared and issued 1 July 2015 CONTENTS Insurance Overview Death & Total and Permanent Disablement cover Income Protection cover Other insurance information Definitions

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

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

Insurance. Who should read this? What you re covered for. What you should know up front. Why should I have Death, TPD and IP cover?

Insurance. Who should read this? What you re covered for. What you should know up front. Why should I have Death, TPD and IP cover? PSSap11 04/12 Insurance Who should read this? Members who want information about death, total permanent disability (TPD) income protection (IP) insurance. What you should know up front It is important

More information

Insurance Guide. Employer Sponsored Division. www.amist.com.au service@amist.com.au Issued: 20 April 2015. AMIST Super Hotline

Insurance Guide. Employer Sponsored Division. www.amist.com.au service@amist.com.au Issued: 20 April 2015. AMIST Super Hotline Insurance Guide Employer Sponsored Division AMIST Super Hotline 1800 808 614 The information in this document forms part of the Product Disclosure Statement for AMIST Super Employer Sponsored Division

More information

Product Disclosure Statement

Product Disclosure Statement Product Disclosure Statement 30 September 2013 ClearView LifeSolutions is issued by ClearView Life Assurance Limited: ABN 12 000 021 581, AFS Licence No. 227682. ClearView LifeSolutions Super is issued

More information

BT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS) Dated 22 August 2011

BT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS) Dated 22 August 2011 BT Protection Plans Supplementary Product Disclosure Statement and Policy Addendum (SPDS) Dated 22 August 2011 This SPDS is dated 22 August 2011 and supplements the information contained in the BT Protection

More information

Product Disclosure Statement

Product Disclosure Statement AMP Retirement Savings Account Product Disclosure Statement Contents 1. About AMP Retirement Savings Account 2. How super works 3. Benefits of investing with AMP Retirement Savings Account 4. Risks of

More information

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

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

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated 1 July 2014 Contents BT Super for Life Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with BT Super for Life 3 4. Risks of super 5 5.

More information

Supplementary Product Disclosure Statement SuperWrap

Supplementary Product Disclosure Statement SuperWrap Supplementary Product Disclosure Statement SuperWrap This Supplementary Product Disclosure Statement ( SPDS ) is dated 20 November 2015 and supplements the Product Disclosure Statement ( PDS ) for SuperWrap.

More information

Your guide to what is included in the MLC MasterKey Business Super Product Disclosure Statement. MLC MasterKey Business Super Insurance Guide

Your guide to what is included in the MLC MasterKey Business Super Product Disclosure Statement. MLC MasterKey Business Super Insurance Guide MySuper Compliant Contents 1 About MLC MasterKey Business Super 1 2 How super works 2 3 Benefits of investing with MLC MasterKey Business Super 2 4 Risks of super 3 5 How we invest your money 3 6 Fees

More information

RBF Tasmanian Accumulation Scheme Redundancy

RBF Tasmanian Accumulation Scheme Redundancy Fact sheet RBF Tasmanian Accumulation Scheme Redundancy Important note This information is only for members of the RBF Tasmanian Accumulation Scheme. Please refer to the Membership Category as shown on

More information

Concept ne. Great News. Concept ne. and Concept One Superannuation Plan will merge to form... the Industry Superannuation Fund

Concept ne. Great News. Concept ne. and Concept One Superannuation Plan will merge to form... the Industry Superannuation Fund Great News FOR EMPLOYERS! The Industry Superannuation Fund and Concept One Superannuation Plan will merge to form... Concept ne the Industry Superannuation Fund SIGNIFICANT EVENT NOTICE On 22 February

More information

Tasplan Super Insurance Booklet ISSUED JANUARY 2015

Tasplan Super Insurance Booklet ISSUED JANUARY 2015 Tasplan Super Insurance Booklet ISSUED JANUARY 2015 TASPLAN INSURANCE BOOKLET Contact Details Head Office: Level 8, 1 Franklin Wharf Hobart TAS 7000 Postal Address: GPO Box 1547 Hobart TAS 7001 Telephone:

More information

The benefits of insuring through super. Macquarie Life

The benefits of insuring through super. Macquarie Life The benefits of insuring through super Macquarie Life While your clients are accumulating wealth, they also need to ensure adequate insurance cover is in place so they and their families are looked after

More information

Important insurance changes are on the way

Important insurance changes are on the way LGsuper Level 20, 333 Ann Street Brisbane Qld 4000 GPO Box 264 Brisbane Qld 4001 Toll free 1800 444 396 Facsimile 07 3244 4344 info@lgsuper.org www.lgsuper.org The Queensland Local Government Superannuation

More information

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015

BT Super for Life. Product Disclosure Statement (PDS) Contents. Dated: 1 July 2015 Contents BT Super for Life Product Disclosure Statement (PDS) Dated: 1 July 2015 1. About BT Super for Life 2 2. How super works 2 3. Benefits of investing with 3 BT Super for Life 4. Risks of super 5

More information

Personal super insurance changes Adviser Q&A

Personal super insurance changes Adviser Q&A Personal super insurance changes Adviser Q&A What is happening? During 2010/2011, IOOF negotiated new insurance terms and conditions with the Insurer of the IOOF Portfolio Service Superannuation Fund,

More information

To find out more visit www.supersa.sa.gov.au IN THIS FACT SHEET

To find out more visit www.supersa.sa.gov.au IN THIS FACT SHEET > 1 Income Protection insurance provides a fortnightly income of up to 75% of your salary while you are off work due to temporary or permanent incapacity for a maximum period of 24 months or to age 60,

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

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

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

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

CLIENT FACT SHEET. If you are under age 65 you may make personal contributions to superannuation on your own behalf.

CLIENT FACT SHEET. If you are under age 65 you may make personal contributions to superannuation on your own behalf. CLIENT FACT SHEET July 2010 Understanding superannuation and superannuation contributions Superannuation is an investment vehicle designed to assist Australians in saving for their retirement. The Government

More information

LifeTrack Personal Superannuation

LifeTrack Personal Superannuation This product disclosure statement has been produced for the successor fund transfer of existing members of the LifeTrack Superannuation Fund to the IOOF Portfolio Service Superannuation Fund. LifeTrack

More information

BT Select Portfolio SuperWrap

BT Select Portfolio SuperWrap BT Select Portfolio SuperWrap Product Disclosure Statement BT Select Portfolio SuperWrap Personal Super Plan BT Select Portfolio SuperWrap Pension Plan Dated 11 March 2013 The distributor of BT Select

More information

Professional Insurance Portfolio

Professional Insurance Portfolio Product Disclosure Statement Please read this Product Disclosure Statement carefully. It contains important information about the above product. Version 9 Issued 6 June 2014 Professional Insurance Portfolio

More information

Product Disclosure Statement

Product Disclosure Statement AMP Retirement Savings Account Product Disclosure Statement Contents 1. About AMP Retirement Savings Account 2. How super works 3. Benefits of investing with AMP Retirement Savings Account 4. Risks of

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

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

Insurance Guide. Super. 1 October 2015

Insurance Guide. Super. 1 October 2015 Super Insurance Guide 1 October 2015 The information in this document forms part of the Product Disclosure Statement (PDS) for the Mine Wealth and Wellbeing Superannuation Fund. You should read the PDS

More information

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3.

BT Lifetime. Personal Super. Contents. 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Contents BT Lifetime Personal Super Product Disclosure Statement (PDS) Dated 1 July 2014 1. About BT Lifetime Personal Super 2 2. How super works 2 3. Benefits of investing with BT Lifetime Personal Super

More information

SUPER SA PRODUCT DISCLOSURE STATEMENT. Date of issue: 10 August 2015. m e m be r g u id e:

SUPER SA PRODUCT DISCLOSURE STATEMENT. Date of issue: 10 August 2015. m e m be r g u id e: SUPER SA PRODUCT DISCLOSURE STATEMENT Date of issue: 10 August 2015 m e m be r g u id e: S e l p i r T Triple S > PDS CONTENTS > 2 1. About Triple S 3 2. How super works 4 3. Benefits of investing with

More information

Welcome to the AYSF Group Insurance Plans.

Welcome to the AYSF Group Insurance Plans. An introduction to Group Insurance Plans - Members Booklet Welcome to the AYSF Group Insurance Plans. Important note: This document is provided by AYSF and has been prepared with the assistance of Certainty

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

ANZ Smart Choice Super. Insurance Guide For employers and their employees

ANZ Smart Choice Super. Insurance Guide For employers and their employees ANZ Smart Choice Super Insurance Guide For employers and their employees INSURANCe GUIDE 11 NOVEMBER 2013 ANZ Smart Choice Super Entity details in this Insurance Guide Name of legal entity Registered numbers

More information

Insurance in Prime Super

Insurance in Prime Super Insurance in Prime Super September 2015 This fact sheet outlines why insurance is important and the benefits of having insurance through your super account. Why is insurance so important? Insurance is

More information

Supplementary Product Disclosure Statement

Supplementary Product Disclosure Statement AMA Financial Services Medical & Associated Professions Superannuation Fund a sub-plan of IOOF Employer Super Employer and Personal Super Supplementary Product Disclosure Statement Dated: 1 June 2014 Issuer:

More information

2013 Benefit Statement Notes

2013 Benefit Statement Notes 2013 Benefit Statement Notes At 30 June 2013 Important information The Board of Trustees of the State Public Sector Superannuation Scheme (ABN 32 125 059 006) (QSuper Board) is required to provide you

More information

Energy Super Corporate Member Guide - Ergon Energy

Energy Super Corporate Member Guide - Ergon Energy Energy Super Corporate Member Guide - Ergon Energy Product Disclosure Statement - Defined Contribution members Prepared and issued 1 September 2013 CONTENTS 1. About Energy Super 2 2. How super works 2

More information

Personal Choice Private ewrap Super/Pension

Personal Choice Private ewrap Super/Pension Personal Choice Private ewrap Super/Pension Product Disclosure Statement PART 1 General Information I 1 July 2014 PERSONAL CHOICE PRIVATE Trustee of Personal Choice Private ewrap Super/Pension and issuer

More information

Important changes to insurance

Important changes to insurance Important changes to insurance Effective 1 July 2013 rest.com.au 1800 063 627 Contents Why have these changes been made? 2 New cover levels 2 New insurance costs 5 Access to higher cover under the new

More information

ADVANCE RETIREMENT SAVINGS ACCOUNT Annual Report for year ended 30 June 2014. Issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724

ADVANCE RETIREMENT SAVINGS ACCOUNT Annual Report for year ended 30 June 2014. Issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 ADVANCE RETIREMENT SAVINGS ACCOUNT Annual Report for year ended 30 June 2014 Issued by BT Funds Management Limited ABN 63 002 916 458 AFSL 233724 CONTENTS Introduction... 1 Recent developments in superannuation...

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

Concept One Superannuation Plan and The Industry Superannuation Fund will merge to form. Concept ne

Concept One Superannuation Plan and The Industry Superannuation Fund will merge to form. Concept ne Prepared: 9 November 2012 SIGNIFICANT EVENT NOTICE On 22 February 2013 The Industry Superannuation Fund (TISF) will merge with the Concept One Superannuation Plan (Concept One) and this will result in

More information

MLC Personal Protection Portfolio MLC Life Cover Super

MLC Personal Protection Portfolio MLC Life Cover Super MLC Personal Protection Portfolio MLC Life Cover Super Product disclosure statement This Product Disclosure Statement was prepared by: MLC Limited ABN 90 000 000 402 AFSL 230694 Issuer of MLC Personal

More information

Defined Benefit Account Guide. Including the Deferred Retirement Benefit Issued 7 September 2015

Defined Benefit Account Guide. Including the Deferred Retirement Benefit Issued 7 September 2015 Defined Benefit Account Guide Including the Deferred Retirement Benefit Issued 7 September 2015 2 Defined Benefit Account Guide Who s this guide for? Read this guide if you have a Defined Benefit account

More information

What is insurance?... 3. What types of insurance are there?... 4. Life insurance... 5. Total and Permanent Disability insurance...

What is insurance?... 3. What types of insurance are there?... 4. Life insurance... 5. Total and Permanent Disability insurance... Contents What is insurance?... 3 What types of insurance are there?... 4 Life insurance... 5 Total and Permanent Disability insurance... 6 Trauma insurance... 7 Income Protection insurance... 8 Insurance

More information

Adviser - Frequently Asked Questions

Adviser - Frequently Asked Questions ACCOUNT BASICS Can a client hold more than one of the same account type? ING DIRECT currently allows the following combination: Super and TTR or Pension. You cannot have a pension and TTR account. What

More information

Priority Protection for Platform Investors

Priority Protection for Platform Investors Priority for Platform Investors Product Disclosure Statement Version 1.1, Date Prepared 22 August 2014 Life s better with the right partner Important Notes This Product Disclosure Statement ( PDS ) describes

More information

Super taxes, caps, payments, thresholds and rebates

Super taxes, caps, payments, thresholds and rebates Fact Sheet Super taxes, caps, payments, thresholds and rebates This fact sheet provides a useful one-stop reference guide to the tax rates, caps, thresholds and rebates that apply or are related to superannuation

More information

Priority Protection. Product Disclosure Statement Version 13, Date Prepared 1 March 2014. Life s better with the right partner

Priority Protection. Product Disclosure Statement Version 13, Date Prepared 1 March 2014. Life s better with the right partner Priority Product Disclosure Statement Version 1, Date Prepared 1 March 2014 Life s better with the right partner Important Notes This Product Disclosure Statement ( PDS ) describes the main features of

More information

AMP Superannuation Savings Trust Register of significant event notifications

AMP Superannuation Savings Trust Register of significant event notifications AMP Superannuation Savings Trust Register of significant event notifications This register provides a summary of significant event and material change notifications issued to members of the AMP Superannuation

More information

HOSTPLUS Superannuation Fund and HOSTPLUS Personal Super Plan Member Guide. Everything you need to get the most from your super.

HOSTPLUS Superannuation Fund and HOSTPLUS Personal Super Plan Member Guide. Everything you need to get the most from your super. Everything you need to get the most from your super Product Disclosure Statement 31 October 2011 Issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL No. 244392 as trustee for the HOSTPLUS Superannuation

More information

Inside... Back cover. 1: Your insurance options at a glance 03 2: Death and TPD cover 04 3. Payment of TPD benefits 06 4: Income Protection cover 10

Inside... Back cover. 1: Your insurance options at a glance 03 2: Death and TPD cover 04 3. Payment of TPD benefits 06 4: Income Protection cover 10 Issued 1 July 2015 Insurance in Your Super booklet The information in this document forms part of the Mercy Super Product Disclosure Statement (PDS) Issued by Mercy Super Pty Ltd (ABN 98 056 047 324, AFSL

More information

Priority Protection for Platform Investors Supplementary Product Disclosure Statement

Priority Protection for Platform Investors Supplementary Product Disclosure Statement Priority for Platform Investors Supplementary Product Disclosure Statement 1 July 2014 Life s better with the right partner This Priority for Platform Investors Supplementary Product Disclosure Statement

More information