Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
An interactive way to get financial education and tailored advice* online to help supercharge your future.
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*Members with Term Allocated Pension, Lifetime Pension, Defined Benefit Pension, nil balances, non-standard investment options and some Maritime Contributory Accumulation members cannot access SuperSmart financial advice services.
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Introducing CPIplus, a Pension investment option that aims to deliver a consistent and predetermined return above inflation each year.
Not available for Transition to Retirement Pensions. Though returns above inflation are predetermined annually, Hostplus can shorten the return period. Hostplus may also adjust the rate of return with at least 30 days’ notice.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
Enter your Member Number and Password to access your account anytime.
Log in to manage your Pension account 24 hours a day, 7 days a week.
Pay your employees super contributions across multiple super funds.
Enter your Username and Password to access your account and start managing your investments.
Everyone is welcome to join us as a member of our personal super plans.
Starting a Hostplus Pension or joining Hostplus if you’re not already a member is easy.
No fees. Easy payments. Become a registered Hostplus employer in less than 10 minutes.
It only takes a few minutes to register to invest with Hostplus Self-Managed Invest.
When you apply for life insurance, the insurer will ask you a number of questions.
MetLife’s questions will be clear and specific. They will be about things such as your health and medical history, occupation, income, lifestyle, pastimes, and other insurance.
The answers given in response to their questions are very important. They use them to decide if they can provide cover to you and, if they can, the terms of the cover and the premium they will charge.
Care must be taken to answer all questions the insurer asks as part of your insurance application honestly and accurately.
Otherwise, you may not be able to rely on your insurance when it’s needed the most.
When applying for insurance, there is a duty to take reasonable care not to make a misrepresentation.
A misrepresentation could be made if an answer is given that is false, only partially true, or that does not fairly reflect the truth. This means when answering the Insurer’s questions, you should respond fully, honestly and accurately.
The duty to take reasonable care not to make a misrepresentation applies any time you answer the Insurer’s questions as part of an initial application for insurance, an application to extend or make changes to existing insurance, or an application to reinstate insurance.
You are responsible for all answers given, even if someone assists you with your application.
MetLife may later investigate the answers given in your application, including at the time of a claim.
If there is a failure to comply with the duty to take reasonable care not to make a misrepresentation, it can have serious consequences for your insurance, such as those explained below:
| Potential consequences | Additional explanation | Impact on claims |
|---|---|---|
| • Your cover being avoided | This means your cover will be treated as if it never existed | Any claim that has been made will not be payable |
| • The amount of your cover being changed | Your cover level could be reduced | If a claim has been made, a lower benefit may be payable |
| • The terms of your cover being changed | We could, for example, add an exclusion to your cover meaning claims for certain events will not be payable | If a claim has been made for an event that is now excluded, it will not be payable |
If the Insurer believes there has been a breach of the duty to take reasonable care not to make a misrepresentation, they will let you know the Insurer’s reasons and the information they relied on and give you an opportunity to provide an explanation.
In determining if there has been a breach of the duty, the Insurer will consider all relevant circumstances.
The rights the Insurer have if there has been a failure to comply with the duty will depend on factors such as what they would have done had a misrepresentation not been made during your application process and whether or not the misrepresentation was fraudulently made.
If the Insurer decides to take action on your cover, they will advise you of their decision and the process to have this reviewed or make a complaint if you disagree with their decision.
When answering MetLife’s questions, please:
Your application for cover will be treated as if you are applying for an individual ‘consumer insurance contract’. For this reason, the duty to take reasonable care not to make a misrepresentation applies.
Before your cover starts, the Insurer may ask about any changes that mean you would now answer their questions differently. As any changes might require further assessment or investigation, it could save time if you let the Insurer know about any changes when they happen.
If after the cover starts, you think you may not have met your duty, please contact us immediately and we’ll let you know whether it has any impact on your cover.
It’s important that you understand this information and the questions we ask, so if you have any queries please contact us on 1300 467 875.
