Skip to Content

Government changes to insurance in super

Protecting super balances from the cost of
insurance members may not need, want or
be able to claim on


Government changes to insurance in super

Protecting super balances from the cost of insurance members may
not need, want or be able to claim on

Want to have insurance in super?

Insurance needs calculator

Find the right level of cover for you..

Get Started

Members with inactive accounts

If your super account hasn't received a contribution or rollover for 16 months, you need to choose if you want to keep your insurance.

Learn more

Younger members and members with low super balances

If you're not at least age 25 and/or your super hasn't reached $6,000, you need to choose if you want insurance.

Learn more

Government changes to insurance in super

If you’ve recently received a letter from us about Government changes which may impact your insurance in super, learn more about the changes here and what you can do.

Find out more

Think ahead. Act now for the future

Things to know and consider when reviewing what type of insurance cover you need to help protect your financial future.

Find out more

Benefits of insurance in super

Insurance within your super can be an easy way to pay for life insurance cover without impacting your take home pay.

Find out more

Useful forms, terms and info

Need to understand more about insurance product names and terms?

Find out more

Are you aware of the future of insurance in super?

28:43 Recorded 11 June 2019

Join nabtrade's Gemma Dale and MLC's Helen Murdoch to learn more about the recent Government changes to insurance in super. Listen and discover more about whether your super account will be impacted.

  • Information current as at 21 June 2019. This communication has been prepared by NULIS Nominees Australia Limited (‘NULIS’) ABN 80 008 515 633 AFSL 236465, in its capacity as trustee of the MLC Super Fund. NULIS is a member of the National Australia Bank group of companies (‘NAB Group’). Where insurance cover is provided through policies issued by MLC Limited to NULIS, please note that MLC Limited is part of the Nippon Life Insurance Group and not a part of the NAB Group of Companies and MLC Limited uses the MLC brand under licence. An interest in the MLC Super Fund, including interests arising from insurance cover, doesn’t represent a deposit or liability with the NAB or other related bodies corporate of NAB nor is it guaranteed by NAB. Any advice provided and information in this communication is of a general nature only and does not take into account your objectives, financial situation or needs. Before you make any decision, you should obtain professional advice from your licensed financial adviser. Any opinions expressed constitute our views at the time of issue and are subject to change.

Protect the financial security of
you and your family

If something were to happen to you, would your partner, children or other family experience financial difficulty?

  • If you were to die
  • If you were unable to work for the rest of your life
  • If you were temporarily unable to work

If you have answered yes to any of these questions you should ensure you have sufficient insurance.  

Life Insurance

Your most important asset is probably your family, but how can you provide for them if you are not around?

  • Life cover pays a lump sum in the event of death or terminal illness.
  • Life cover can also be referred to as death cover.

Total & Permanent Disablement

Small and regular contributions could be one way to increase your super balance. What would happen if you had a serious accident that left you unable to take care of yourself or your family?

  • TPD pays a lump sum if you are totally and permanently disabled due to an illness or injury.

Income Protection Cover

Who will look after your bills if you are unable to work due to illness or injury.

  • IP replaces up to 75% of your regular monthly employment income if can't work due to disability or injury.
  • IP can also be referred to as salary continuance.


Assistance over the phone

If you prefer to talk to someone about your super, we also provide assistance over the phone.

We understand that every member is unique and as such offer varying levels of phone support to ensure you receive the service best suited to your needs.

Call us on 1300 55 7586 between 8.00am and 7.00pm AEST (8.00pm daylight savings time), Monday to Friday.

Please note: If your insurance arrangements are complex you may not have access to the Insurance Advice Calculator but you are still able to call us for help.