You may be able to access insurance cover through your super fund for events such as loss of income, disablement and death.
Insurance through your super can be cheaper
Insurance needs calculator
If you're an Accumulation 1, Accumulation 2 or Personal Account member, our insurance calculator gives you a guide to how much insurance cover you or your family may need to maintain your/their current lifestyle if you die or become disabled.
It can also be more convenient than taking out your own policy directly with an insurance company.
Because UniSuper insures a lot of members at once, we receive bulk-buying power which helps drive costs down.
How we can help cover you
If you’re eligible you’ll automatically receive one unit of Death and Total and Permanent Disablement (TPD) insurance cover when you join UniSuper. The premiums for this insurance will be deducted from your accumulation account (or your accumulation component if you’re a DBD member).
If you’re an Accumulation 1, Accumulation 2 or Personal Account member you can also access Income Protection cover. Depending on the circumstances, you may be required to provide the Insurer with additional medical information.
You can manage your cover online, including applying for more cover, reducing your cover or cancelling it altogether.
Type of insurance cover available through your super
Insurance through UniSuper is provided by TAL Life Limited (TAL), ABN 70 050 109 450, AFSL No. 237848. We refer to TAL as 'the Insurer'.