Insurance in Super

Cover provided through your super fund or by your employer.

When it comes to life insurance, there can be a lot to consider – from how you access cover, to thinking about the types and levels of insurance that are right for you.

One way to access life insurance is through your super fund. Most super funds offer a base level of cover for their members – with the ability to switch it off if you wanted to, or adjust the cover to meet your needs.

What benefits are available inside of super?

life insurance
Life Insurance

Provides a lump sum payment to you or your loved ones if you’re no longer around. Learn more.

total and permanent disablement (TPD) insurance
Total and Permanent Disablement (TPD) Insurance

Provides a lump sum payment in the event you become permanently disabled. Learn more.

income protection insurance
Income Protection Insurance

Replaces part of your monthly income if you’re temporarily unable to work due to illness or injury. Learn more.

How do I know what insurance I have inside my super?

It’s worth checking with your super fund to understand what insurance you’ve got in place now, and whether it’s right for you. As with any purchase, it’s best to compare the costs and details of other life insurance products available to you.

There are many resources available to help you make an informed decision about your life insurance. A handy place to start could be ASIC’s MoneySmart website, which provides information on a range of financial topics.

So, what is insurance in super?

To help you understand insurance through super and whether it’s the right option for you, watch our video below. It explores the different types of cover, how it works and some of the benefits.





Understanding the recent legislative changes

Recent changes to the law have affected the way many Australians are provided with life insurance through super.

Understanding what these changes are can help you identify whether you're likely to be affected, and if so, what options you have.

Find out more

Still have questions?

If you have any questions about the insurance you have in place or what your options are, please get in touch with your super fund, or speak to a financial adviser.

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