GHD Superannuation Plan

Special Insurance Offer – September 2011

Peter Treseder – National Education Manager

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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

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Default insurance prior to 1 May 2011

Age Low Risk

21 300,000

30 300,000

40 232,200

50 99,300

60 29,700

3 units of Death cover only for $1.47 per week

Low risk occupation

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Default insurance from 1 May 2011

Age Death – 8 units ($) TPD – 3 units ($)

21 800,000 300,000

25 800,000 300,000

30 800,000 300,000

35 684,800 256,800

40 619,200 232,200

45 397,600 149,100

50 264,800 99,300

55 169,600 63,600

60 79,200 29,700

Death cover costs $3.928 pw

TPD cover costs $1.527pw Total cost = $5.455 pw

Low risk occupation

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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

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Special offer

• Do nothing - remain on your current cover

or

• Apply for the level of cover right for you

Your options

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Apply for cover without the usual health checks, up to:

Special offer

Death & TPD coverUp to $1.5 million or limit of 10 times salary if cover above $600,000

Apply to increase your cover through your personal website

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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)

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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

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Use our online calculator to work out your cost of cover

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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

– children’s education

– the family’s living costs?

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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

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• 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?

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Key points

• Read the important information about this offer that has been sent to you

• Determine your insurance needs

• Offer closes 30 September 2011