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Insurance Inside Super

Your super may already be protecting you with built-in life insurance so check your insurance inside your super today

What is insurance inside super?

One of the best ways to protect yourself and those you care most about is with life insurance.

A large number of superannuation funds have a built-in life insurance policy that provides this sort of cover and for many Australians, this is an affordable way to manage life insurance.

It is important to regularly check the insurance cover inside your super and make sure it meets your needs.

Insurance inside super is more than just death cover

Default life insurance in superannuation can include: 

Life insurance Life Insurance

Life Insurance can sometimes be called Death Cover 

Total and Permanent Disablement Insurance Total and Permanent Disablement

Sometimes known as TPD, this insurance is for serious accidents or illness which permanently stop you from working

Income Protection Insurance Income Protection

Income Protection provides a regular payment during prolonged illness

What are the benefits?
Buy in bulk
Buy in bulk

Super funds purchase life insurance in bulk making insurance generally cheaper for their members 

Tax advantages
Tax advantages

Premiums are paid from your superannuation account which could offer tax advantages

Cash flow
Good for cash flow

Premiums don’t come out of your regular income which can be good for cash flow

Automatic cover
Automatic cover

Many super funds automatically accept you for cover without requiring a health check

Fund support
Fund support

Your super fund manages your claim and supports you through the process

What to consider when reviewing your insurance

We recognise everyone's situation is different and it's important to think about your needs and your family circumstance when reviewing your insurance cover. 

  • How much insurance do you currently have and would it cover your lifestyle if you couldn’t work?
  • How much are you paying for it?
  • What are you covered for?
  • Do you have debts that would need to be covered if you could no longer work?
  • What are your long-term costs associated with living, including medical and children’s education?

How to adjust your insurance cover



To review your current insurance, look at your superannuation statement, log in to the secure portal or call them.



Think about what type of insurance you may need to suit your life stage.



Use the calculator on your super fund’s website to get a guide on how much insurance cover you may need.



To alter or apply for additional cover, log in to your super fund's secure portal. If not available, head to your super fund's website or contact them direct.



Once you’ve submitted your application you’ll get confirmation of your cover or an indication of what other steps might be required.

Putting Members' Interests First (PMIF)

From 1 April 2020, insurance rules change for super fund members under age 25 or with an account balance below $6,000.

MetLife's Superannuation Partners

Discover what protection you have by selecting your fund below

Insurance news from MetLife

What is life insurance
What is life insurance?
Katrina Mellor, MetLife’s Head of Delivery, explains everything you need to know about life insurance – and making the right choices so you and your loved ones are protected.
Is income insurance worth it right now?
Is income insurance worth it right now?
You insure your home and contents as well as your car, but how much do you think about insurance that protects your income? Find out if income protection is right for you.
How much life insurance do I need?
How much life insurance do I need?
Life insurance is designed to give you peace of mind – ensuring your loved ones can cope financially if something happens to you. Here are tips for working out the right amount of life insurance to provide certainty for your family.
8 life insurance tips to get you started
8 life insurance tips to get you started
Life insurance doesn’t need to be complicated. With the right information, you can navigate the process with confidence.
When should I review my life insurance cover?
When should I review my life insurance cover?
When was the last time you checked on your life insurance and insurance inside super? Does your existing cover meet your current needs? It might be time for a review.

How else can we help you?

Need a form? Have a question? Or simply want to find out more about the benefits of MetLife insurance solutions.



This website contains general information only, which does not take into account your personal financial situation, objectives or needs. Before deciding whether to acquire, or continuing to hold, any of our products, please seek appropriate independent financial advice to assess whether it is suitable for you. You should also consider the relevant Product Disclosure Statement, available upon request by calling 1300 555 625, before making any decision. Life insurance products are issued by MetLife Insurance Limited ABN 75 004 274 882, AFSL 238096.

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