What is superannuation insurance?

Insurance gives you peace of mind knowing you and your family will have financial support if you pass away or can’t work because of sickness or injury.

Super insurance lets you get insurance cover through your super account with us.

You could automatically get Standard Death and Total & Permanent Disability (TPD) Assist insurance cover when you join as a member, without health checks.

Benefits of super insurance

  • Flexible so you can make changes anytime

  • Hassle-free payments from your super account

  • Cost of cover paid from your super

  • Protection 24 hours a day, 7 days a week

What are my needs?

Our insurance calculator can help you find the cover for your lifestyle.

Use the calculator
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What will it cost?

Work out how much you'll pay for the insurance cover you want.

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How to manage my insurance

Make a claim, review your cover, tell us who gets your payments, and more.

Our insurance cover options

The cost of insurance paid from your super account may reduce your retirement savings, so it’s important to make sure you have the right cover.

Death cover

  • One-off payment to you or your loved ones if you have a life-ending sickness or pass away.

  • Basic, lower cost Standard insurance cover included automatically for eligible members.

  • You can choose to opt-in to Standard insurance or personalise your cover for your needs.

Explore Death cover

Total & Permanent Disability Assist cover

  • Support payments if you can't work because of permanent injury or sickness.

  • Basic, lower cost Standard insurance cover included automatically for eligible members.

  • You can choose to opt-in to Standard insurance or personalise your cover for your needs.

Income Protection cover

  • Monthly payments if you can't work because you're sick or injured for the short term.

  • Money to help pay for bills while you focus on your health and getting better.

  • You can choose to opt-in for basic income protection insurance or personalise your cover.

Other important information

Download Super Savings Insurance Guide

Features, benefits and costs of insurance cover with us.


Download Insurance in super factsheet

Details on automatic insurance cover for eligible members.


View Insurance forms

Apply for White Collar cover, Life and Age Events, occupational rating and more.

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Are you under 25?

You can choose to get Standard insurance cover with us even if you're under 25 and/or have an account balance less than $6,000.

Manage your insurance

It's important to have flexible insurance cover that can be updated as life changes. And that's exactly what you get with us.

Make a claim

We'll support you or your beneficiaries every step of the way to sort out a claim.

Change or cancel your insurance cover

Increase, reduce or cancel your cover anytime.

Restart your insurance cover

Restart cover that stopped because you didn't get paid super for over 12 months.

Keep your insurance cover

Tell us to keep your cover even if you don't get paid super.

Transfer your insurance cover

Easily move your cover to us from another fund.

Nominate a beneficiary

Tell us who should get your super and insurance payments if you die.

We've got you covered

Get the right level of insurance cover to keep you protected in tough times. Our financial advisers can help you make the best choice for your needs as part of your membership.

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Fund name: Australian Retirement Trust 
Account type: Super Savings 
ABN: 60 905 115 063 
USI: 60 905 115 063 003

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Acknowledgement of Country
We want to respectfully acknowledge the Traditional Owners and Custodians of these lands, seas, and waters throughout Australia. We pay our respects to Elders both past and present. We acknowledge the history, the resilience and the continual contributions of Aboriginal and Torres Strait Islander peoples of their Country.

The information on this website contains general information only. It doesn’t consider your personal objectives, financial situation, or needs. Before making any decisions about ART, you should read the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD) to consider whether the product is right for you.