In which one of the following situations can insurance be provided on an 'opt-out' basis in superannuation? 

A 24-year-old opened an account in 2018, which had a balance of $12,000 in July 2019 and continues to grow as a result of regular contributions 

An account holder is a 21-year-old student who today opened their first superannuation account 

The superannuation account balance was less than $6,000 on 1 July 2019 and remains under $6,000 today 

A 22-year-old account holder opened their account last year with $10,000 and has since made regular contributions to the account, which currently has a balance of $12,000