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This insurance calculator is provided by MetLife Insurance Limited (the Insurer), ABN 75 004 274 882, AFSL No. 238096, Level 9, 2 Park Street, Sydney NSW 2001 on behalf of REI Superannuation Fund Pty Limited ‘The Trustee’ ABN 68 056 044 770, AFSL. 240569, SPIN REI0001AU RSE L0000314. REI Super ‘The Fund’ ABN 76 641 658 449 RSE R1000412. MySuper unique identifier 76641658449129.

The purpose of this calculator is to provide information about the insurance cover available through REI Super. The calculator is provided for illustrative purposes only and outcomes are not guaranteed in any way. The calculator does not apply to the REI Super Pension. For information about that product read the REI Super Pension Product Disclosure Statement (PDS).

The calculator is based on terms of cover available from 1 July 2016. Full terms and conditions, including any exceptions or offsets, are contained in the policy documents between REI Super and the Insurer, and take precedence over this calculator. Any changes to terms of cover may impact on the results produced by the calculator.

You should be aware that increasing your Death or Disability insurance fees (including by fixing your cover) will reduce your retirement savings, and, as your retirement savings increase, there may be less of a need to maintain higher levels of insurance. It is important that you reach a considered decision about the amount and type of cover that best meets your needs.

The calculator is based on information that has not taken into account your personal financial needs, circumstances and objectives, and is not intended to be relied on for the purposes of making a decision in relation to financial products. You should look at your own financial position and requirements before making a decision. You may wish to consult a financial adviser when doing this.

The insurance cover offered by the Fund is provided under policies of insurance issued to the Trustee by the Insurer for Death, Total and Permanent Disablement (TPD) and Salary Continuance Insurance. The Trustee has the right to change the Insurer from time to time. The Fund’s insurance provider is currently MetLife Insurance Limited (the Insurer), ABN 75 004 274 882, AFSL No. 238096, Level 9, 2 Park Street, Sydney NSW 2001.

Insurance fees quoted include stamp duty and taxes which may change over time, affecting the amount of insurance fees. Actual insurance fees will depend on a range of factors, including the waiting period for Salary Continuance benefits. Premium rates and terms of insurance may vary in the future.

All cover is subject to assessment and acceptance by the Insurer, the terms and conditions of the policy, and payment of insurance fees. Cover may be declined or accepted on non-standard terms. Cover limits may apply.

While every attempt has been made to ensure the accuracy and reliability of the information, REI Super makes no representations in respect of the accuracy, currency or completeness of the results provided by the calculator, and, accepts no liability for any loss or damage as a result of any person relying on any information obtained by using the calculator.

You should obtain and consider the relevant REI Super PDS before making any financial decision in relation to REI Super products.

Information you provide to REI Super via the calculator will be collected in accordance with the REI Super Privacy Policy.

Use of the calculator is subject to Terms and Conditions.