Improve Your Life Insurance Cover (and more)
Follow these steps to check your current cover, understand your needs, and explore better options for protecting your family’s needs
1. Check your current cover
Before making any changes – or any decisions – you need to understand what life cover you have through your Super.
- Log into your Super fund’s online portal or app. (You can also check your annual statement, typically mailed out each November, if you still have it. 😏)
- Navigate to the “Insurance” or “Cover” section. Here it is – as an example – on the Australian Super app:
- Review your current coverage amount, premium, and policy details. You’re looking for life insurance, income protection insurance and total permanent disability (TPD) insurance.
- Download or request a copy of your insurance policy document.
- Call your Super fund’s customer service (many offer online chat too) if you can’t find this information online. And to help you out:
Australian Super: 1300 300 273
Australian Retirement Trust: 13 11 84
REST: 1300 300 778
Hostplus: 1300 467 875
Aware Super: 1300 650 873
HESTA: 1800 813 327
Mercer Super: 1800 682 525
Cbus: 1300 361 784
MLC Super Fund: 132 652
UniSuper: 1800 331 685
Colonial First State: 13 13 36
AMP Super: 13 12 67
Care Super: 1800 005 166
IOOF: 1800 913 11
Tip:
Make note of your current coverage amount, premium cost, policy exclusions and expiry age. You might need this information to compare with other options.
2. Assess your coverage needs
Everyone’s situation is different. For some, working out how much coverage to have is straightforward. For others, it can feel a bit overwhelming.
The key is to ensure you have the right cover or thereabout.
The good news? You don’t have to figure it all out on your own.
We’ve made it easier to get started — no jargon, no pressure.
Use our simple calculator to get a quick idea of your cover needs.
And if you want to go deeper, we’ll point you in the right direction.
Factors to consider:
| Income replacement | Debt obligations |