Insurance-in-your-super

Life insurance in super

Life insurance in super can help keep you and your loved ones secure during life's most challenging times.

Why is insurance important to have?

Ensuring you have adequate cover is one of the most powerful ways to protect yourself and the ones you love. 

There are many benefits to having insurance through superannuation, including ease of obtaining cover, lower costs due to group discounts, and fewer bills to pay as premiums are taken out of you super balance.

You may already have life insurance cover included in your super. Taking a few minutes to see what you have is a great way to ensure you're appropriately covered and whether you should review, add or adjust your cover. Simply log-in to Member Online , navigate to the Insurance section, and then the calculator.

Types of cover

There are three types of cover (Death, Total and Permanent Disability and Salary Continuance). You may already have a default amount of cover (Basic cover) or you can request additional cover tailored to your specific needs (Voluntary cover).

Death cover

DEATH COVER

Provides a lump sum payment to you or your loved ones if you pass away or are diagnosed with a terminal illness.

Total and Permanent Disability cover (TPD)

Total and Permanent Disability cover (TPD)

Provides a lump sum payment if you are unable to work for the rest of your life due to injury or illness.

Income Protection cover

Salary Continuance

Provides a monthly payment if you are unable to work for some time due to injury or illness.

How to adjust your cover?

Applications to change your cover can be done online in minutes. Simply login to Active Super Online and head through to the insurance section.

How to make a claim?

Call us on 1300 547 873 to get started with your claim. We'll ask you a few questions to help you choose the best way to make a claim. Remember to have your super account details handy.

How much insurance do i need?

The amount of insurance you might need depends on your family, lifestyle and circumstance. Everyone's situation is different. Our new insurance estimator is an easy, powerful way to calculate your needs. Simply log-in to Active Super online, navigate to the insurance section, and then the calculator.

Active Super Online

Had a big change in your life recently?

We want you to stay on top of your insurance, so we've made it easier to increase your cover at key points in your life. Active Super may be able to help you with a new fast-tracked application process.

THINGS YOU SHOULD KNOW 

New members joining the Fund must be at least 25 years of age and have a super balance of at least $6,000 to obtain automatic insurance cover. 

If your account becomes inactive (that is if your account hasn't received contributions for 16 consecutive months) all your insurance will be cancelled. You can ensure this doesn't happen by opting in to keep your insurance via Active Super Online