Colonial First State (CFS) is one of Australia's largest wealth management platforms, offering super products including FirstChoice, FirstWrap and other managed investment and super accounts. CFS was previously owned by Commonwealth Bank and is now a standalone business. Many Australians hold CFS super accounts, often with associated life and TPD insurance.
CFS TPD insurance
Insurance within CFS super products is typically provided by AIA Australia or other underwriters depending on the product and vintage. Members may have default death and TPD cover, or additional voluntary cover added through a financial adviser. Review your CFS account documentation to confirm your insurance details.
Checking your cover
Log into your CFS online account or review your annual statement to find:
- Whether TPD cover is attached to your account
- The cover amount and definition (own or any occupation)
- Whether cover is current or has lapsed
Older CFS accounts
Some older CFS products were sold when "own occupation" definitions were more common. If you have a policy established before around 2014, it may have a more favourable definition. Check carefully. Start with our free eligibility check.