Standard cover

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Insurance needs calculator
Work out how much insurance cover you may need.

Make it happen

Check your insurance cover online
Find out how much cover you have by logging into Member Online.

Sunsuper provides access to competitive insurance to help protect yourself, your family and your lifestyle if something happens to take away your earning power.

As a Sunsuper Solutions member, you receive:

automatic insurance cover for Death and Total and Permanent Disability (TPD), provided you meet the eligibility criteria (see below),
options to increase your cover to meet your needs,
competitive premiums, usually lower than cover you would organise yourself, and
premiums deducted from your super, so they have no impact on your take-home pay.

Standard cover and premiums

Age	Death cover	TPD cover	Premium for Death & TPD cover - male	Premium for Death & TPD cover - female
20	$62,500	$125,000	$1.60 / week	$0.80 / week
30	$250,000	$250,000	$4.40 / week	$3.00 / week
40	$186,000	$186,000	$5.00 / week	$4.00 / week
50	$83,000	$83,000	$5.00 / week	$4.00 / week
60	$25,000	$25,000	$5.00 / week	$4.00 / week
Eligible white collar workers can get double the cover for the same cost.

View the cover and premiums for all ages [PDF 66KB].

Apply for more cover

Having the right level of insurance gives you peace of mind of a secure financial future for you and your family. We offer extra cover through Standard insurance and Tailored insurance.

Insurance type	How it works	Requires underwriting
White Collar cover	Double your standard cover for no extra cost.	No
Life and Age Event options	Increase your cover at key life stages (eg. when you turn 30, 40, 50, get married, have a child, buy a house, increase your mortgage by $100,000 or more).	No
New Member options	Get 50% more Death and TPD cover and the option to take out Income Protection cover.	No
Tailored cover	Apply for more Death, TPD and Income Protection cover than provided through standard insurance. You can also apply for Tailored cover if you're not eligible for Standard insurance.	Yes

If you're not sure how much insurance you need, try our insurance needs calculator.

Eligibility for Standard cover

To be eligible for insurance cover under Sunsuper Solutions, you must be:

aged between 15 and 70 (TPD cover not available from age 67), and
actively employed* by a Sunsuper participating employer (who has submitted a Participating employer application form to Sunsuper), or
actively employed* by a non- participating employer who has started paying your Superannuation Guarantee (SG) contributions to Sunsuper.

Contractors and Self Employed - you can apply for Tailored cover, but restrictions apply. Call 13 11 84 for more information.

*Actively employed means you are performing your normal paid duties for this employer and they are making SG contributions to Sunsuper on your behalf at the date your automatic standard insurance cover starts.

Making a claim

If an event that is likely to result in a claim occurs, it is important that you notify us as soon as possible, by calling 13 11 84.

Please note: The needs calculator, quote tool and online application are on AIA’s website. Their terms of use will apply.

Insurance cover is provided through group life policies issued by AIA Australia Limited ABN 79 004 837 861