Super insurance when you need it
Life is full of of surprises. So it’s good to know that through your super, you can access different ways to get super equipped and help protect you and your family against some of those curveballs.
Learn more about our insurance offering, and associated support services below.
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.
Total and permanent disablement (TPD) cover
A lump sum benefit to help ease the financial burden if you become totally and permanently disabled.
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.
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.
Proud to be awarded Best Value Insurance!
Insurance in super isn’t just about protecting you and your loved ones financially – it’s also about peace of mind. But a truly great insurance offer needs to be designed with affordability and flexibility in mind, so you get value-for-money cover that suits your needs.
At Equip Super, that’s exactly how we’ve designed our insurance offer, and it’s why we’ve been awarded ‘Best value insurance’ by Money magazine. What’s more, we’ve been awarded ‘Best value death and TPD insurance in super’ – again – for men and for women. That’s four years in a row!
Best value insurance in super
Money magazine awards 2025
Best value death & TPD insurance super: Women
Money magazine awards 2025
Best value death & TPD insurance super: Men
Money magazine awards 2025
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.
Super equipped
If you need some guidance or advice on your Equip Super account, our team is here to help. We can provide personal advice and information on a range of common account topics, including;
- investments,
- contribution strategies and
- transitioning to retirement.
And all at no extra cost for our members - it's just one of the ways we help you get super equipped.
We’ve got a theory and it goes a little something like this...
We reckon, when it comes to super, most of our members fall into one of two camps – octopus or chicken. Octopus is all over it. Chicken prefers to keep it simple. The important thing is, however you identify – as your super partner, we’re here to help you get super equipped.
We’ve got a theory and it goes a little something like this...
We reckon, when it comes to super, most of our members fall into one of two camps – octopus or chicken. Octopus is all over it. Chicken prefers to keep it simple. The important thing is, however you identify – as your super partner, we’re here to help you get super equipped.
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.
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