FirstChoice Employer Super default insurance cover by age

FirstChoice Employer Super gives eligible members default cover automatically: 2 units of death (life) cover and 2 units of TPD cover, on the Light blue collar scale, paid from the member's super balance. The figures below are from the fund's current PDS (dated 23 February 2026), insured through AIA Australia.

Default death cover here peaks at $111,112 at age 15 and is $9,222 by age 60, a fall of 92%.

Default cover by age on the Light blue collar scale. Death and TPD are separate benefits and are never added together.
Age	Death cover	TPD cover	One death unit is worth	Weekly cost per death unit
15	$111,112	$111,112	$55,556	$1.49
16	$111,112	$111,112	$55,556	$1.49
17	$111,112	$111,112	$55,556	$1.49
18	$111,112	$111,112	$55,556	$1.49
19	$111,112	$111,112	$55,556	$1.49
20	$111,112	$111,112	$55,556	$1.49
21	$111,112	$111,112	$55,556	$1.49
22	$111,112	$111,112	$55,556	$1.49
23	$111,112	$111,112	$55,556	$1.49
24	$111,112	$111,112	$55,556	$1.49
25	$111,112	$111,112	$55,556	$1.49
26	$111,112	$111,112	$55,556	$1.49
27	$111,112	$111,112	$55,556	$1.49
28	$111,112	$111,112	$55,556	$1.49
29	$111,112	$111,112	$55,556	$1.49
30	$111,112	$111,112	$55,556	$1.49
31	$111,112	$111,112	$55,556	$1.49
32	$111,112	$111,112	$55,556	$1.49
33	$111,112	$111,112	$55,556	$1.49
34	$111,112	$111,112	$55,556	$1.49
35	$111,112	$111,112	$55,556	$1.49
36	$66,666	$66,666	$33,333	$1.49
37	$66,666	$66,666	$33,333	$1.49
38	$66,666	$66,666	$33,333	$1.49
39	$66,666	$66,666	$33,333	$1.49
40	$66,666	$66,666	$33,333	$1.49
41	$42,222	$42,222	$21,111	$1.49
42	$42,222	$42,222	$21,111	$1.49
43	$42,222	$42,222	$21,111	$1.49
44	$42,222	$42,222	$21,111	$1.49
45	$42,222	$42,222	$21,111	$1.49
46	$25,000	$25,000	$12,500	$1.49
47	$25,000	$25,000	$12,500	$1.49
48	$25,000	$25,000	$12,500	$1.49
49	$25,000	$25,000	$12,500	$1.49
50	$25,000	$25,000	$12,500	$1.49
51	$14,888	$14,888	$7,444	$1.49
52	$14,888	$14,888	$7,444	$1.49
53	$14,888	$14,888	$7,444	$1.49
54	$14,888	$14,888	$7,444	$1.49
55	$14,888	$14,888	$7,444	$1.49
56	$9,222	$9,222	$4,611	$1.49
57	$9,222	$9,222	$4,611	$1.49
58	$9,222	$9,222	$4,611	$1.49
59	$9,222	$9,222	$4,611	$1.49
60	$9,222	$9,222	$4,611	$1.49
61	$5,888	$5,888	$2,944	$1.49
62	$5,888	$5,888	$2,944	$1.49
63	$5,888	$5,888	$2,944	$1.49
64	$5,888	$5,888	$2,944	$1.49
65	$5,888	$5,888	$2,944	$1.49
66	$5,888		$2,944	$1.49
67	$5,888		$2,944	$1.49
68	$5,888		$2,944	$1.49
69	$5,888		$2,944	$1.49
70	$5,888		$2,944	$1.49

Weekly costs are the fund's published rates. FirstChoice Employer Super passes the super contributions tax benefit back to members, so the effective cost is about 15% less than the published rate.

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General Advice Warning

This information is general advice only and does not take into account your personal objectives, financial situation, or needs. Before acting on any information, you should consider its appropriateness having regard to your own objectives, financial situation, and needs.