Partnering for Mutual Member Benefit
Introducing APS Benefits Group
At First Option, we’re always looking for ways to offer more value and support to our members. That’s why we’ve partnered with APS Benefits Group, a fellow member-owned organisation that shares our commitment to trust, service and community.
APS Benefits Group has been serving Australians for over 120 years, starting as a funeral benefit fund for public service workers has grown into a trusted provider of more than 25 financial and legal services. Today, APS Benefits Group provides over 30,000 members across the country with everything from funeral benefits to loans, superannuation, tax and accounting, legal services, financial planning and more.
As a mutual organisation, APS Benefits Group exists to serve its members, not shareholders. That means profits are reinvested into better products, lower fees and enhanced services for their members. With a strong focus on ethical financial services and long-term relationships, they’re the perfect fit for First Option members.
It’s financial and legal services that put people first, just like we do.

APS Benefits Group Services
Funeral Benefits
As an APS member, you automatically receive a funeral benefit, giving you and your loved ones one less thing to worry about when you are no longer here. It’s their way of helping ease the financial burden so your family can focus on what matters most.As a profit-for-member organisation, APS Benefits Group exists solely to support their members which means any profits tjeu make are reinvested into member benefits, including the opportunity to receive annual bonuses on your funeral cover*.
Legal Services
Make life’s big decisions with confidence, knowing the friendly APS legal team is here to guide you. From estate planning, online wills and conveyancing to leases, trusts and probate, the expert team at APS will be by your side every step of the way.APS takes the time to listen, explain things clearly and make sure you feel supported throughout the whole process.
Tax & Accounting
Take the stress out of tax time with our expert tax and accounting services for both personal and business finances.Whether it’s tax returns, accounting, business advisory, bookkeeping, or even crypto tax, the APS team are here to help you stay on top of it all.
The friendly and experienced APS team is committed to making the process simple, streamlined and personalised.
Financial Planning
APS Financial Planning services cover everything from superannuation strategies and self-managed super funds to salary sacrifice, managed funds, income protection and life insurance.Whether you are planning for retirement or looking to protect what matters most, the APS team will guide you with trusted advice tailored to your goals so you can make informed decisions and enjoy the peace of mind that comes with being prepared.