If you have super, you may also have some automatic insurance cover.
It’s called insurance in super and is exactly what it sounds like - insurance cover available through your super account.
Insurance in super can be tax-effective and convenient. This is because the cost of your insurance cover, also known as premiums, are deducted from your super account - which means your take-home income won’t be impacted.
It offers peace of mind, helping to protect you and your family when life takes an unexpected turn. Want to understand how insurance in super works and why it matters? Watch our video to learn some things you should know.
Head to moneysmart.gov.au to find out more on claims and disputes for most life insurers using the insurance claims comparison tool.
It’s easy to use and there’s some helpful information about the percentage of claims insurers pay out for each cover type, how long the process takes and how many disputes are lodged, including us.

Getting the cover that suits your needs is important because the cost of insurance cover will reduce your retirement savings.
If you die or diagnosed as likely to die within 24 months due to a terminal illness - you’ll be able to financially assist your loved ones through a paid benefit.
Sometimes the unexpected happens. If you were to become totally and permanently disabled, Total and Permanent Disablement (TPD) cover can help ease financial pressures by paying you a benefit payment.
If you’re temporarily unable to work due to illness or injury - Salary Continuance Insurance (also known as Income Protection) can provide you with ongoing income and financial support.