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),
  • access to Income Protection (IP) cover,
  • 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 2.80 1.70
30

250,000

8.00 5.60
40

186,000

9.80 8.20
50

83,000

60

25,000

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

Check the premium rates that will apply from 1 July 2016 [PDF 628KB].

Apply for more cover

Having the right level of insurance cover can give you peace of mind about the 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 Get 50% more Death and TPD cover at no additional cost. If outside of 120 days
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

On joining, you are eligible for automatic Standard cover in your Super-savings account if: 

  • you are age 15 to 69 (TPD cover is not available from age 67), and
  • you haven’t previously received or been eligible to receive a Terminal Illness benefit, TPD benefit, or a benefit as a result of Permanent Incapacity or a Terminal Medical Condition from Sunsuper or another fund or insurer, and
  • you are ‘Employed’ (not a Self-Employed Person) and we receive an SG contribution for you.

If we receive your first superannuation guarantee (SG) contribution within 120 days from the date you joined your employer, your Standard cover starts from your Date Joined Employer. If we receive your first SG contribution outside 120 days from the date you joined your employer, your Standard cover starts from date of receipt of your first SG contribution. 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.

If you are a contractor or self-employed you can apply for Tailored cover, but restrictions apply. Call 13 11 84 for more information.

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.

Want to learn more?