The information below applies to Division 5 (Accumulation) members only.

Division 2, 3 and 4 members should contact us for more information on their benefits.

Death & total permanent disability (TPD) insurance ensures that if something happens to you, your income is protected and your loved ones will be taken care of financially.

What you need to know

Death & TPD insurance options available to you depend on whether you are an active member, retained member, or spouse. Read about levels of cover and how benefits and premiums are calculated for your membership type.

Making changes

It’s easy to make changes to your insurance cover. Simply download the relevant form below, fill out your choices and email it to us at

Call 1300 307 844

For more information and help making the right choices.

When should I review my cover?

When your personal circumstances change, you may wish to review your insurance cover. Major life events can significantly alter your family’s expenses or income. If this happens, you should consider adjusting your level of cover to ensure the difference is always accounted for.

Division 5 members can apply to increase their cover by one level without health evidence when a specific life event occurs. This includes marriage, the birth or adoption of a child, taking out or increasing your home mortgage, turning 30, or turning 50.

How much do I need?

When working out how much cover to take out, there are three main steps to follow.

  1. Consider your expenses. This includes day-to-day living expenses, as well as longer-term costs like education and mortgage.
  2. Determine the amount your family would receive in the case of your death or disablement. This can include your super, any savings you have, as well as shares.
  3. Take out the level of cover that will provide the difference between these two amounts.

What's next?


If the worst happens, who would you like to receive your super balance and life insurance benefit?

My life changes

As your life changes, you may wish to make changes to your options to better protect you and your family.

Income protection insurance

If you are unable to work due to illness or injury, know that your finances will still be taken care of.

What our members say

“I gained a better understanding of my current superannuation position, other superannuation products available to me & general retirement options.”


Ensure that your loved ones are looked after if anything unexpected happens. Insurance provides peace of mind by protecting your income if you are unable able to work. We can talk you through the options to make sure that you get right level of cover.

Learn more

Come and talk to us

Get your super sorted with a face to face consultation.

No cost. Start growing your super today.