Many of our members are eligible for insurance cover through their super (once they meet the criteria for automatic acceptance).
There are some great benefits to being insured through your super.
Premiums are taken from your account balance so it doesn’t affect your take home pay
You don’t have to remember to pay for it
We renew your benefits every year until cover stops.1
We use our size and scale and work hard to provide flexible, affordable insurance cover for our members.
Automatic Death and Total & Permanent Disability Assist cover
You can get automatic protection for what matters most – your earning capacity and your family's financial security.
We provide the opportunity to tailor your insurance cover to your specific needs through Tailored cover.
This provides you with ongoing income and financial support should you become temporarily unable to work due to an injury or illness.
Download the insurance in super factsheet
This factsheet relates to our automatic insurance cover for Super Savings members.
We're here to support you and your loved ones through the process of making a claim. When something goes wrong, you need the claims process to be easy. That's why we're here – to support you every step of the way. Just call us on 13 11 84.
As life changes, so will your insurance requirements. The right insurance cover can you peace of mind the people you love are most protected. Find out more about managing your insurance.
Change or cancel your insurance
You can apply to increase, reduce or cancel your insurance cover any time easily through Member Online or via a form.
If we haven't received an eligible contribution over a 12 month period you may be at risk of having your insurance stopped.
If your insurance cover stopped within the last 60 days because we didn't receive an eligible contribution over a 12 month period, you can restart it.
Learn more about how transferring your insurance from other fund(s) to Australian Retirement Trust works.
Related information you may find useful.
Get quick access to insurance forms like White Collar cover, Life and Age Events, occupational rating and more.
View Australian Retirement Trust's intention statements
Get information around the intentions of our insurance cover options.
Putting Members' Interests First (PMIF) legislation
The PMIF legislation is designed to protect members' super savings from unnecessary erosions by insurance premiums.
Expert advice could make a big difference to your lifestyle in retirement. It's worth a little involvement early on to make sure you're on track for the future.
Or call us! We’re here to help 13 11 84
1. Continuation of cover is subject to there being sufficient funds available and ongoing contributions in your Accumulation account to pay the weekly premium. For full terms and conditions, including details on when cover stops, refer to the Super Savings Insurance Guide.
