Most TWUSUPER members get automatic Death and Total and Permanent Disablement (TPD) cover when they join.
All members can apply for Income protection. See cover and costs to find out more.
You can call us on 1800 222 071 from 8am to 8pm (AEST/AEDT) weekdays to talk it through.
To see your cover, login to Member Access.
Your insurance needs
Before making any decisions about changing cover, call us on 1800 222 071 between 8am and 8pm (AEST/AEDT) weekdays. We can tell you your basic insurance cover (if eligible) and what it costs, and let you know what your insurance premiums would be if you changed your cover. Insurance premium tables are also available in our Insurance guide.
You can see what your insurance needs might be, and the cost of that insurance, with the Insurance cover and cost calculator.
- Cover and cost calculator
Apply for additional insurance or reduce your cover
If you're a new TWUSUPER member, you can apply for an additional unit of Death and TPD cover without providing evidence of health. You need to apply within 120 days of the date of issue of the letter confirming your membership.
This can be applied for through your member application when you first join the Fund, or you can complete the Application for an additional unit of basic cover form.
Death and TPD cover
You can apply for extra Death and TPD cover by completing an Application for insurance cover form.
Income protection cover
Fixed cover lets you keep the dollar amount of your basic insurance cover the same over time so it doesn't decrease with your age.
Use this form to apply for fixed cover or revert back to basic cover.
Have insurance elsewhere?
If you have insurance with another super fund or life insurer, you can apply to transfer that cover to your TWUSUPER account without providing medical history.
The type of cover you are transferring must be the same as the type of cover you are applying for with TWUSUPER.
Lifetime event insurance cover
Lifetime event cover provides extra Death and TPD cover for specific life events such as marriage, having a child, getting a mortgage, the death of a spouse, divorce, a child starting school or becoming eligible for Centrelink Carer's Allowance.
The insurer must receive your application:
- no more than 60 days after the event, or
- within 60 days after the first member statement is issued to you after the event.
Reducing or cancelling cover
You can reduce or cancel cover, but if you reapply for cover later you will need to provide health evidence.
You can reduce or cancel cover by calling 1800 222 071 from 8am to 8pm (AEST/AEDT) weekdays.