Peace of mind today, protection for tomorrow
Equip Super is here to equip you with the products, services and information you need to achieve your best possible retirement outcomes. And that means more than simply providing great super. Insurance through your super has as a valuable role to play when it comes to helping you protect your assets and your future lifestyle.
Insurance cover can significantly reduce the financial pressure for you and your loved ones if you’re ever in a position where you can’t earn an income due to disablement, or if you pass away. And it can give you considerable peace of mind today, knowing that you and your loved ones are covered.
Peace of mind for you and your loved ones
Cover options when you first join
Learn more about your insurance options when you first join Equip Super, including eligibility for automatic cover.
Death or Terminal illness cover
A lump sum benefit for your family and loved ones if you pass away, or an advanced payment if you’re diagnosed with a terminal illness.
Total and permanent disablement (TPD) cover
A lump sum benefit to help ease the financial burden if you become totally and permanently disabled.
Income protection (IP) cover
A monthly income to replace part of your regular income if you’re unable to work due to illness or injury.
Award-winning cover
We’ve designed our default death and TPD insurance cover with affordability and flexibility in mind. It’s why Money Magazine awarded us Best value death and TPD insurance in super in 2024.*
Money Magazine: Best of the Best 2024
Best value death & TPD insurance super: Women
Money Magazine: Best of the Best 2024
Best value death & TPD insurance super: Men
So why get insurance through super?
The main advantages of having insurance through your super include:
- Insurance costs are generally less in super, as super funds use group life cover – this allows them to purchase insurance at cheaper bulk rates.
- Insurance costs are usually taken straight from your super account, so it doesn’t come out of your take-home pay, without the hassle of having to pay a regular bill.
- In some cases, your employer may pay the insurance costs for you.
- Automatic, or ‘default’ cover for eligible members, usually doesn’t require a health check or completion of lengthy forms.
- Some funds claim a tax deduction on the costs they deduct from your account to pay for your insurance cover. For example, at Equip Super, we pass this benefit back to you directly by reducing the amount of tax that’s deducted from your account. This means you’re essentially receiving a 15% refund of the cost of your cover.
Insurance with Equip Super
When you join Equip Super, you may automatically receive a certain level of death and total and permanent disablement (TPD) cover – no health checks required.
Flexible cover
Your needs can change over time, so it’s good to know your insurance can change with you. You can adjust your cover any time through Member Online.
Affordable protection
Our cover is purchased at bulk rates, which means we can offer competitively priced insurance to our members – so you know you’re getting value for money.
Pay direct from your super
Insurance costs are deducted directly from your super account. It’s convenient, and your take-home pay won’t be affected.
Insurance means peace of mind
Learn more about the benefits of insurance through your super, and how it can protect you and your loved ones.
Insurance means peace of mind
Learn more about the benefits of insurance through your super, and how it can protect you and your loved ones.
We're here to help
If you have any queries about your insurance cover, or if you’d like to talk to someone about the types of cover that may suit your needs, our team can help.
We acknowledge all First Peoples of the beautiful lands on which we live and work, and their enduring knowledge and connections to Country. We honour the wisdom of and pay respect to Elders past and present.