1. GHD Superannuation Plan
Special Insurance Offer September 2011
Peter Treseder National Education Manager

2. General Warning
This material is of a general nature and does not take into account your personal objectives, situation or needs. Before making a decision about AustralianSuper, consider your financial requirements and read our Product Disclosure Statement, available at www.australiansuper.com/GHDguide or by calling 1300 300 273.
AustralianSuper Pty Ltd - ABN 94 006 457 987 AFSL 233788
Trustee of AustralianSuper - ABN 65 714 394 898
3. Default insurance prior to 1 May 2011
3 units of Death cover only for $1.47 per week
Low risk occupation
4. Default insurance from 1 May 2011
Low risk occupation
Death cover costs $3.928 pw
TPD cover costs $1.527pwTotal cost = $5.455 pw
5. Special offer
You will have received an email about this special offer.
Offer ends: Midnight Friday, September 30, 2011
New cover starts: When correct or eligible application received
6. Special offer
Your options
Do nothing - remain on your current cover
or
Apply for the level of cover right for you
7. Apply for cover without the usual health checks, up to:
Special offer
Apply to increase your cover through your personal website
8. Special offer applying for increased cover
The website will:
Show your personal details and current level of cover
Ask you if you want to increase your cover
Ask you 5 eligibility questions
Ask you to indicate your gross salary
Allow you to nominate the level of cover you wish to have
Notify you, if you are not eligible for increased cover
Confirm your application has been received (via email)
9. 10. 11. 12. Special offer applying for increased cover
If you increase your Death or TPD cover under the special offer your total cover will become Fixed Cover
Under fixed cover, your cover amount will not change and premiums will increase with age
Limited Cover will apply to the increased amount of your cover only.
Limited cover means you are not covered for medical conditions that existed before your cover increased
Limited cover will apply for two years
13. Use our online calculator to work out your cost of cover
14. Choosing the right level of cover
Consider:
GHD currently provides income protection insurance of up to 75% of salary to age 65, if you are temporarily unable to work through illness, injury or accident
What would happen if you got sick, were injured or died?
How much would you need to cover
the mortgage and other debts
childrens education
the familys living costs?
15. Reviewing your insurance needs
Marriage, divorce, new baby?Review cover to ensure that you have the appropriate level of cover
If you no longer wish to have insurance cover through AustralianSuper you must notify us in writing
16. General information - 1300 300 273
Limited financial advice: Financial Education & Advice Team* 1300 300 273
Putting extra savings into super
your investment options
transition to retirement and the AustralianSuper Pension
Insurance cover
Full financial plan:
Industry Fund Financial Planning - 1300 138 848
* Financial Education and Advice Team services are provided to AustralianSuper members by Superpartners Pty Ltd ABN 57 078 907 883 AFSL 238761
Getting help What do you need?
17. Key points
Read the important information about this offer that has been sent to you
Determine your insurance needs
Offer closes 30 September 2011