Your insurance options
We offer 3 kinds of cover and you may be eligible for default (automatic) insurance cover
Income Protection (IP)
Income Protection covers your most valuable asset – your future earnings.This cover will help pay for daily living expenses by providing you with a monthly benefit, replacing part of your income while you are unable to work due to illness or injury for up to 5 years – so you don’t need to worry about paying your regular expenses.
Total and Permanent Disablement (TPD) cover
TPD cover provides you with a lump sum payment if you are incapable of returning to work again due to illness or injury. It can help you pay for medical expenses, modifications to your home and any other financial needs.
Death only cover
Death only cover is designed to provide your dependants or beneficiaries with a lump sum payment to meet any ongoing financial obligations, if you were to become terminally ill or pass away. Your estate or dependents would receive this payment in addition to your super account balance. Make sure you make a Binding or Non-binding Death Benefit Nomination.
Understand your insurance needs
For peace of mind, it’s important to have enough insurance cover to meet your regular expenses and financial commitments – so you and your family can make the choices you need to without worrying about what may happen in the future.
This depends on things like your age, the number of children you have, your income and any savings or debt you may have. Our Insurance needs calculator makes it easy to work out – and one of our financial planners can guide you if you need any help.
We're here to help
We're here to help guide you if you have any questions about your insurance options.