Whether you are saving for a house deposit, a holiday or are just enjoying living in the moment – there is a way you can protect your lifestyle without out of pocket expenses.

For most of our members, maintaining a regular income is crucial - there are bills, rent or mortgage repayments that need to be paid! Fortunately, there is a way you can ensure that you are protected should the unexpected happen.

Income protecting without out-of-pocket expenses

As a member of First State Super, you can apply for income protection through your account with us. Premiums are automatically deducted from your super, so you don’t need to worry about paying for them out of your day-to-day budget.

Find out more on our income protection cover

Simple advice at no extra cost to members

If you are wondering how much cover you might need, and how the cost for your cover is calculated, we can help you. Our over-the-phone superannuation advisers can take the guesswork out of the technical stuff, answer your questions, and provide advice that’s all about you.
Best of all, our simple advice service is already included in the cost of your membership - so you don't pay any extra.

Book an appointment now

Life’s key events

If you’ve enjoyed what you read, we can help you.

Check out the animated case studies, tools and resources designed by First State Super to help you make the right financial decisions in times like: starting out, coupling up, planning a family, caring for a young family, having adult independent children, planning for retirement and enjoying retirement.

Learn more


Financial planning advice is provided by First State Super Financial Services Pty Ltd ABN 37 096 452 318, AFSL 240019. General advice is provided by FSS Trustee Corporation (FTC) ABN 11 118 202 672, AFSL 293340, the trustee of the First State Superannuation Scheme (First State Super) ABN 53 226 460 365. You should consider the Member Booklet (Product Disclosure Statement) for the product before making any decisions. Call Customer Service for a copy, free of charge, or visit firststatesuper.com.au.