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Picture Book · Insurance

The insurance hiding in your super

Story pages

A man in his thirties opening a large envelope at a letterbox outside a townhouse
Meet Marcus. He didn't know it, but his super fund has been paying for insurance.
A sturdy umbrella tucked inside a large glass jar of coins on a shelf
Most funds automatically give members aged 25 and over life cover and TPD. Some also include income protection.
A glass jar of coins with a small tap at the bottom letting out a slow drip of coins
Premiums come out of your super balance, not your pay, which reduces your retirement savings over time.
A dusty forgotten glass jar of coins on a high shelf with cobwebs
By law, cover is cancelled on accounts with no contributions for at least 16 months. Your fund contacts you before it ends.
A young woman in her early twenties on the phone at a cafe
New members under 25, or with a balance under $6,000, generally need to ask their fund to start cover.
A man pouring coins from two jars into one
Check your cover before you change funds or combine accounts, so you don't lose cover you need.

The end

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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