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Contact us

Super - 1300 963 720
Monday to Friday 8:00am - 8:00pm (Melbourne time)

GPO Box 4303, Melbourne VIC 3001

How much cover do I need?

Work out how much insurance cover you might need

To make sure you have enough insurance, it’s important to look at your current circumstances and calculate how much insurance you might need if you were unable to work.

Launch insurance needs calculator

Death and Total and Permanent Disablement (TPD) Cover

The level of Death & TPD Cover you need depends on your personal situation, including your age, the number of dependants you have, any additional family income (e.g. from investments or your spouse), and the amount of your savings and debt

Income Protection Cover

The level of Income Protection (IP) cover is based on your annual salary.  If you have not provided this to your super fund, you can do so at the time of applying for insurance to ensure your income is sufficiently covered. You will need to work out your maximum allowable IP cover which will be 85% of your salary or maximum cover of $30,000 per month.
You can work this out by using our IP cost tool.

If you are still unsure about how much cover you need book an appointment with one of our financial planners.

Cost of Insurance Cover

Calculate how much it will cost for your insurance using our cost tools.