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Useful terms and info

The main insurance types of cover to know about and consider:


Death cover

Pays a benefit to your dependants, estate, or legal beneficiaries if you die.

Advantages - Helps to ease financial stress on your loved ones by paying money in a lump sum should the unexpected happen to you.


Total & Permanent Disability (TPD)

Pays a benefit if you’re unable to ever work again due to injury of illness.

AdvantagesHelps by paying money in a lump sum which you can use to cover the costs of care, rehabilitation, loan repayments and future costs involved with day-to-day living expenses.


Terminal Illness

Pays a benefit if you’re medically certified as likely to die within 24 months—applies if you have either life cover or TPD.

AdvantagesHelps to ease some of the financial stress on your loved ones by providing money in a lump sum which you can use to help with medical treatment and future support for your family.


Salary Continuance insurance (SCI)

Pays a replacement income, typically a percentage of your income, if you’re temporarily unable to work due to illness or injury. You can generally only claim on one SCI policy so you should check if you have other SCI cover elsewhere.

AdvantagesHelps if you become injured or ill (at or outside of work) and can’t work temporarily. It provides temporary payments to assist you to meet your day-to-day living expenses while you’re not earning an income.

Did you know that you can log on to your super account via our website at any time if you have online access?

Get started now to view the most up-to-date information on your account.

Manage insurance forms

Download and send these documents to let us know you’d like to change your insurance in super:

Younger members and members with low super balances

We're not able to automatically provide any insurance until you're at least age 25 and your account balance has reached $6,000.

Use this form to tell us if you want insurance in super or if you don’t want us to provide cover automatically.

Use this form to tell us that you’d like to reinstate your insurance in super that was cancelled because you’re not at least age 25 and your account balance hasn’t reached $6,000.

Members with inactive accounts

Use this form when you want to keep your insurance in super even if your account becomes inactive (Over 16 months without a contribution or rollover).

Use when you want to change your insurance by increasing or decreasing your sum insured.

Use when you want to make a beneficiary nomination to confirm who you’d like to receive your super when you die.

Product information

Plum Personal Plan
Total & Permanent Disablement flyer


Learn more about the Plum Personal Plan update to the Total & Permanent Disablement (TPD) definition from 1 July 2019
Plum Personal Plan Premium Rates flyer View the latest Premium Rates for the Plum Personal Plan effective from 1 August 2019

To learn more about Plum Personal Plan, click here