Standard cover

A safety net for you and your family's future

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 for life member with a Super-savings  account, 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 last birthday1	Standard cover
	Amount of cover		Premium2($) per week
	Death	TPD	Death and TDP
			Male	Female
20	62,500	125,000	1.60	0.80
30	250,000		4.40	3.00
40	186,000		5.00	4.00
50	83,000
60	25,000

1 As all ages are not listed refer to the Sunsuper for life guide [PDF 2.4MB] for full details.
2 Premiums for Death only cover are detailed in the Sunsuper for life guide [PDF 2.4MB].

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 or adopt a child, take out a residential mortgage, or increase your current 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 as a Sunsuper for life member with a Super-savings account, you must: 

• be aged between 15 and 70 (TPD cover not available from age 67), and
• be actively employed³ by a Sunsuper participating employer (who has submitted a Participating employer application form to Sunsuper), or
• be actively employed³ by a non- participating employer who has started paying your Superannuation Guarantee (SG) contributions to Sunsuper.

You can also continue your insurance cover in retirement if you continue to hold a Super-savings account (with a minimum account balance of $1,500) subject to eligibility and age based limits.

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

3 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 for Death and TPD, and Income Protection, issued by AIA Australia Limited ABN 79 004 837 861.

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Want to learn more?

Sunsuper for life guide
Download the Sunsuper for life guide [PDF 1.91MB]Death claims factsheet
Download the factsheet [PDF 383KB]Total and permanent disability how to make a claim factsheet
Download the factsheet [PDF 287KB]Income protection- How to make a claim factsheet
Download the factsheet [PDF 328KB]Applying for terminal illness benefits
Download the factsheet [PDF 307KB]

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