If you pass away or have a life-ending sickness (terminal illness), our Death insurance cover will help provide financial security for you and your loved ones. It's peace of mind knowing your family is taken care of if you no longer can.
One-off payment to you or your family in case of death or terminal illness.
Standard cover included automatically for eligible members.
Costs are paid from your super, not bank account.
Flexible options to get the best insurance cover for you.
If you're part of a corporate or business plan, please visit your employer's microsite for your Super Savings PDS and guides.
If you die, we may pay out Death cover to your beneficiary (that's the person you choose to receive the payment). Or you can get a terminal illness payout. The payout amount is made up of your super balance plus the total amount of your Death cover. Compare our options below.
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Includes Standard Death and Total & Permanent Disability (TPD) Assist cover.
No medical details needed
Automatic or opt-in once you're eligible
Extra insurance cover options available
Changes with age to cater to your needs through different life stages.
For example, at age 30 you may receive $250,000.
It depends on your level of cover, age and gender. It also goes up at certain ages.
Join online for automatic cover to start once you're eligible. For earlier coverage, opt-in through Member Online if you're under 25 or have less than $6,000 balance.
Join todayAlready a member? Apply for cover to start now
Flexible cover to suit your budget and situation.
Choose your death cover amount
Cost of cover based on age, gender, etc
Add disability and income protection for total cover
Death: unlimited
Terminal illness: maximum $5 million
It depends on your level of cover, age, gender and other factors. It also goes up at certain ages.
As a member you can apply for Tailored Death cover anytime through Member Online.
Apply onlineNot a member? Join today
Consider disability and/or income protection insurance to get payments if you can't work due to injury or sickness. As a new member, you can apply for Income Protection within 120 days of joining.
The Super Savings Insurance Guide has details of the features and benefits of insurance with us.
Download GuideCan’t find an answer here? Check out the Super Savings Insurance Guide or contact us on
13 11 84.
Life insurance can include different types of insurance cover including Death, TPD, Trauma and IP cover. Death cover pays a lump sum to your beneficiaries (the people you choose to get your payout) if you die.
Get a life insurance quote to see how much you need for your lifestyle.
We've partnered with AIA Australia to give you more financial security through life's ups and downs. With 50 years of experience, AIA Australia's innovative insurance solutions aim to protect your future.
Your insurance cover will continue for 12 months, even if you’re not receiving money in your super account. You’ll just need to have enough money in your account to pay for it.
After 12 months, your cover will stop if you’re no longer getting paid super. We’ll let you know before this happens and give you options including keeping, reducing or cancelling your cover.
If you cancel cover, you’ll need to reapply and provide detailed health information for the insurer to consider if you want to restart your cover.
If you’ve made a claim, your premiums won’t increase above the normal cost for your age, gender, and cover amount.
However, you may not be able to claim for that specific illness or injury again, depending on your claim and your insurance cover.
If you start Standard Death and TPD Assist but cancel it within 60 days, we'll refund any premiums that you've paid back to your super account.
Keep in mind that if you cancel cover, you’ll need to reapply and answer health and lifestyle questions to decide eligibility if you want to restart your cover.
No. If your partner is a member with us, they can get their own insurance cover.
If they're not a member yet, they can join online in minutes and start enjoying the benefits.
The easiest way to manage your insurance at any time is through Member Online.
Premiums are taken out of your super balance, not your take-home pay. This could mean less in your super for retirement, so make sure you have the cover that's right for you. Try our insurance calculator.
If you have more than one super account, consider consolidating. Paying premiums for multiple insurance covers will not only reduce your retirement savings, but you may also not be able to claim on multiple covers.
Let us know who you want your insurance payout to go to in case something happens to you.
Not a member yet? Join now
