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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 guarantee to renew your benefits every year.*

New 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 effective from 1 April 2020, we 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. Sunsuper applied these age and account balance requirements from 29 March 2020.

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 and Permanent Disability Assist Cover

Eligible members are provided with automatic Death and Total & Permanent Disability Assist cover. 
 
Death cover is paid as a lump sum. 
 
Total & Permanent Disability Assist cover provides a payment to you should you suffer an injury or illness that permanently prevents you from working to retirement age. In the event of a successful Total and Permanent Disability Assist Cover claim, you may receive up to six support payments over at least five years where you continue to remain injured or ill. Should you suffer a specified Medical Condition that you are unable to perform basic activities associated with work ever again, you may receive a lump sum benefit.

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Tailored cover

Tailored Total & Permanent Disability insurance cover provides a lump sum payment to you should you suffer an injury or illness that prevents you from working to retirement age.

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Income Protection cover

Income Protection insurance 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 their being sufficient funds available in your Super-savings account to pay the weekly premium. For full terms and conditions, refer to the Sunsuper for life Insurance guide.