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Find the right insurance for you

Many of our members are eligible for insurance cover through their super (once they meet the criteria for automatic acceptance).

There are some great benefits to being insured through your super. Premiums are deducted from your Super-savings account balance so it doesn't affect your take home pay. It also means you don't have to remember to pay for it. Once your insurance cover commences we renew your benefits every year until cover stops.*

Eligibility criteria introduced 29 March 2020

Australian Government reforms restrict when super funds can provide automatic insurance cover to members. The purpose of this is to help protect members’ retirement savings from being eroded by premiums for insurance cover they may not want or need.

Under the Putting Members' Interest First reforms, we generally cannot automatically provide insurance cover to members before they attain age 25 or before their account balance reaches $6,000. These age and balance requirements are now a key component of the eligibility criteria for you to automatically receive Standard insurance cover.

However, members have the option to request Standard insurance cover before the age 25 and $6,000 account balance requirements (subject to them meeting the other eligibility criteria). 

For full terms and conditions, refer to the Sunsuper for life Insurance guide.

Cover available to you 

Standard Death and Total & Permanent Disability Assist Cover

Eligible members are automatically provided with Standard Death and Total & Permanent Disability Assist cover. 
 
Death cover, including Terminal Illness cover, is paid as a lump sum. 
 
Total & Permanent Disability Assist cover provides support payments to you should you suffer an injury or illness that permanently prevents you from working to retirement age. If you are approved for a Total & Permanent Disability Assist benefit, you may be paid up to six support payments over a minimum of five years (where you continue to meet the Total & Permanent Disability Assist definition). In limited circumstances, Total & Permanent Disability Assist may be paid as a single lump sum payment.

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Tailored cover

We provide the opportunity to tailor your insurance cover to your specific needs through Tailored cover. Sunsuper for life members with a Super-savings account can apply for:
  • Tailored Death cover (this includes Terminal Illness),
  • For our Tailored disability cover, you can choose the type of cover that best suits your needs:
    • Tailored Total & Permanent Disability Assist, or
    • Tailored Total & Permanent Disability.
  • Tailored Income Protection cover

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Income Protection cover

Income Protection cover provides you with ongoing income and financial support should you become temporarily unable to work due to an injury or illness. It can give you the peace of mind that you have income that can help pay your expenses while you focus on your health and recovery.
 

* Continuation of cover is subject to there being sufficient funds available and ongoing contributions in your Super-savings account to pay the weekly premium. For full terms and conditions, including details on when cover stops, refer to the Sunsuper for life Insurance guide.