Work out the insurance you need as your life changes

Having insurance cover through your superannuation account can be an easy way of financially protecting you and your family. As life and finances change, we can help tailor your insurance to fit these changes. Our policies are cost-effective, easy to manage, and can offer default cover with minimal health checks. When choosing the right amount of cover, consider critical factors such as your occupation, existing debts, income needs, future family costs, and the tax implications of your choices.

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Death & Total & Permanent disability (TPD) Coverage: how much do you need?

Understanding the right amount of Death and Total and Permanent disablement (TPD) cover is crucial to financial planning. Death cover is designed to provide your beneficiaries with a lump sum or income stream in the unfortunate events of your death or to you if you suffer terminal illness. It's important to consider how much financial support your family would require in your absence, including covering expenses and debts. These are challenging scenarios to contemplate, but being prepared can offer peace of mind and ease the burden during difficult times. TPD cover may provide you a lump sum if you are unable to work again due to injury or illness.

Explore Death & TPD cover

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Salary Continuance: how much do you need?

Salary Continuance insurance is essential for anyone whose daily expenses are met through the income they earn in their occupation. This type of insurance acts as a financial safety net, offering you a stream of income if you're temporarily unable to work due to illness or injury. It's essential to evaluate your living expenses and the necessity of continuous income during recovery periods. This insurance provides the reassurance of financial stability, allowing you to focus on your health.

Explore Salary Continuance cover

Work out your ideal cover

Working out the right insurance protection for you and your family can be complicated and a little overwhelming, but it doesn’t need to be.

Work out how much cover you need

Apply for the right cover

If you're ready to increase your insurance cover, find out how to apply for more comprehensive protection.

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Need more help? Contact our Client Services team

As a member, you can get personalised support from our Client Services team at no cost or obligation. They can provide general information and limited personal advice on managing the super of a member who has passed away.