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Even the most carefully made financial plans can fail due to unexpected circumstances. So it makes sense to protect your greatest asset - you! Please review the below information and click continue to select and adjust your available cover amount and premium options.

Current cover and premiums

Death cover

Death cover provides your loved ones with a lump sum payment. In the event of your death or you suffer a terminal illness. Learn more

Tailored Death cover

Death cover provides your loved ones with a lump sum payment. In the event of your death or you suffer a terminal illness. Learn more

Total & Permanent Disability Assist cover

Total & Permanent Disability Assist cover assists you and your loved ones financially, by providing up to six annual support payments, each equal to one sixth of your cover amount as at your Date of Disablement. Learn more

Tailored Total & Permanent Disability cover

Tailored Total & Permanent Disability cover provides you with a single lump sum benefit to help you fund any special medical needs and assist with your costs of living, if you are totally and permanently disabled and meet the Total & Permanent Disability definition. Learn more

Opt In Income Protection cover

Income Protection cover is designed to protect you by providing a monthly income for a period of time in the event you are unable to work due to injury or sickness. Learn more

Tailored Income Protection cover

Income Protection cover is designed to protect you by providing a monthly income for a period of time in the event you are unable to work due to injury or sickness. Learn more

Full terms and conditions of insurance are available in the PDS and Sunsuper for Life Insurance guide

How premiums get paid

Premiums are calculated weekly and normally deducted from your super account each month, so it doesn't impact your take-home pay.

It is important to understand that using your superannuation account now for the payment of insurance premiums before retirement will impact upon your future balance when you do retire.

How premiums are calculated

The premiums quoted are based on the type of cover, the amount and basis of cover, your age, your gender and the occupation details you have provided as part of this quote. Any current occupation ratings applied to existing cover will be taken into consideration by the insurer should you submit an application

Not sure what insurance cover you need?

Use the insurance needs calculator to work out the type and the amount of cover you may need, by answering a set of personal and financial questions.

Do you need some help?

Call 13 11 84 Monday to Friday to speak to one of our qualified financial advisers, who can give you simple advice about your Sunsuper account at no additional cost, quickly over the phone.

All questions are mandatory unless marked as optional.

About you
Your employment

This means your current occupation that you are working in at the time of application.

Professional - White-Collar professionals performing no manual duties (e.g. doctor, lawyer, accountant). Usually those with a tertiary qualification or registered with a professional body (they must be using these qualifications in their occupation).

White Collar - Clerical, administration and managerial occupations involving office duties only. Include those who do less than 10% light manual duties (e.g. administrator, book keeper, computer operator).

Light Blue Collar - Certain light- manual skilled workers (e.g. photocopy/TV repairers), purchasing officer, travelling sales representatives, claims/loss assessor, business owners in non-hazardous industries involved in light manual work (e.g. coffee shop owner) and supervisors of medium blue-collar workers.

Medium Blue Collar - Qualified tradespeople involved in non-hazardous industries doing light manual work (e.g. cabinet-maker, carpenter, plumber, mechanic).

Heavy Blue Collar - Heavy manual workers, unskilled or performing higher risk occupations (e.g. interstate bus driver, armored vehicle driver, warehouse worker, groundsman, labourer, carpet layer, house removalist).

Hazardous - Hazardous occupations including airline crew and pilots, fire fighters, professional sportspeople, police, underground workers, miners, those working at heights above (10) metres, abalone driver, asbestos worker, bouncer.

Professional -  White-Collar professionals performing no manual duties (e.g. doctor, lawyer, accountant). Usually those with a tertiary qualification or registered with a professional body (they must be using these qualifications in their occupation).

White Collar - Clerical, administration and managerial occupations involving office duties only. Include those who do less than 10% light manual duties (e.g. administrator, book keeper, computer operator).

Light Blue Collar - Certain light- manual skilled workers (e.g. photocopy/TV repairers), purchasing officer, travelling sales representatives, claims/loss assessor, business owners in non-hazardous industries involved in light manual work (e.g. coffee shop owner) and supervisors of medium blue-collar workers.

Medium Blue Collar - Qualified tradespeople involved in non-hazardous industries doing light manual work (e.g. cabinet-maker, carpenter, plumber, mechanic).

Heavy Blue Collar - Heavy manual workers, unskilled or performing higher risk occupations (e.g. interstate bus driver, armored vehicle driver, warehouse worker, groundsman, labourer, carpet layer, house removalist).

Hazardous - Hazardous occupations including airline crew and pilots, fire fighters, professional sportspeople, police, underground workers, miners, those working at heights above (10) metres, abalone driver, asbestos worker, bouncer.

Annual income means your pre-tax income derived from your occupation, less any expenses incurred in deriving that income. For a Self-Employed person, Annual Income means income generated by the business or practice due to your personal exertion or activities, less your share of necessarily incurred business expenses and investment income.

Death cover

Death cover provides your loved ones with a lump sum payment. In the event of your death or you suffer a terminal illness. Learn more

Tailored Death cover

Death cover provides your loved ones with a lump sum payment. In the event of your death or you suffer a terminal illness. Learn more

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A Fixed Cover basis means your amount of insurance cover stays the same, but your weekly premium will generally increase as you get older. A Fixed Premium basis means your weekly premium stays the same, but your insurance cover will generally decrease as you get older.

If you don't make a choice, your cover will be provided on a Fixed Cover basis.

Total & Permanent Disability Assist cover

Total & Permanent Disability Assist cover assists you and your loved ones financially, by providing up to six annual support payments, each equal to one sixth of your cover amount as at your Date of Disablement. Learn more

Tailored Total & Permanent Disability cover

Tailored Total & Permanent Disability cover provides you with a single lump sum benefit to help you fund any special medical needs and assist with your costs of living, if you are totally and permanently disabled and meet the Total & Permanent Disability definition. Learn more

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A Fixed Cover basis means your amount of insurance cover stays the same, but your weekly premium will generally increase as you get older. A Fixed Premium basis means your weekly premium stays the same, but your insurance cover will generally decrease as you get older.

If you don't make a choice, your cover will be provided on a Fixed Cover basis.

Cover unavailable

To be eligible for this cover:

  • You must be above 15 and under 66 years of age

Please call us on 13 11 84 to discuss your options further.

Opt In Income Protection cover

Income Protection cover is designed to protect you by providing a monthly income for a period of time in the event you are unable to work due to injury or sickness. Learn more

Tailored Income Protection cover

Income Protection cover is designed to protect you by providing a monthly income for a period of time in the event you are unable to work due to injury or sickness. Learn more

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The Benefit Period is the maximum period you can claim benefits whilst you are Totally or Partially Disabled.

The Waiting Period is the length of time you must be injured or ill before you can claim a benefit.

The maximum level of monthly income you can receive in the event of claim is, the lesser of:

  • 75% of your income (plus an additional 10% to be paid directly to your superannuation account as a super contribution),
  • a Maximum Monthly Benefit; and
  • the Amount Insured

The maximum amount you can apply for is the lesser of:

  • 85% of your gross annual income; and
  • $30,000 per month

Note: If you are a casual or contract employee you can only apply for a 2 year benefit period.

Cover unavailable

To be eligible for this cover:

  • You must be above 15 and under 64 years of age
  • You must be working a minimum of 15 hours per week

Please call us on 13 11 84 to discuss your options further.

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Submission confirmation

Thanks!

Your request has been received and does not require completion of an application.

We're updating our records to reflect this change and you'll be able to see this change on Member Online in the next five business days.

Any questions?

If you need help or have any questions, call 13 11 84.

Summary

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*TPD means Total & Permanent Disability.

**IP means Income Protection.

† Estimated premium amounts are inclusive of taxes and other government charges. Results generated by the quotation tool are for illustration only and only reflect changes to the cover types you have calculated. They neither constitute an offer nor do they represent terms of any product offered by Sunsuper's life insurance partner AIA Australia Limited. They are also not to be taken as financial advice. Please seek independent financial advice to ascertain the suitability of any product you may consider. Please refer to the Sunsuper for life Product Disclosure Statement (PDS) and guides for applicable terms and conditions. You can download a copy of the PDS and guides here. An offer or acceptance of insurance cover will be subject to normal underwriting terms and conditions and the insurer and the PDS. You must also be a member of Sunsuper (as defined in the PDS) to be eligible for insurance cover.

Full terms and conditions of insurance are available in the PDS and Sunsuper for Life Insurance guide