Life is unpredictable and changes constantly. So, if your life has changed then your insurance policies might need to as well.

You may not have enough cover - or you might even have too much cover!

For example, if you or your partner were diagnosed with a terminal illness, disability or pass away, changes to your income could impact your family greatly.

Or, if your children have grown up and are no longer dependant on you, or you’ve paid off some of your debt, you may no longer need as much income protection or life insurance cover.

Find out more on reviewing your insurance cover

Work out your needs now

Use our calculator

Insurance cover inside super

Most super funds provide life insurance to members within their super policy. It is worth checking your super policy to make sure you are covered appropriately for your needs.

If you are a First State Super member, you can view you cover easily online via our online portal.

View insurance cover online

Calculate your retirement income

Create a plan for your retirement

Project your income

Find out how much cover you need

Our insurance calculator is designed to help you work out how much cover you need,
and how much it will cost.

To calculate the cost of changing your cover, simply enter a few details including
your age, marital status, how many dependent children you have, and your pre-tax salary.

Use our calculator