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Most TWUSUPER members aged 18 and over automatically get Death and Total and Permanent Disablement (TPD) cover when they join.

Members aged under 18 can also receive insurance cover, but need to apply for it as voluntary cover.

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 discuss your insurance.

To see your cover, login to Member Online.

  • 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 fees (premiums) would be if you changed your cover. Insurance premium tables are also available in our Insurance guide.

    Use calculator

  • Cover and cost calculator

    Calculate what your insurance fees (premiums) could cost with the Insurance cover and cost calculator. If you have any questions, please call us on 1800 222 071 between 8am and 8pm (AEST/AEDT) weekdays.

    Use calculator

  • Apply for additional insurance or reduce your cover

    If you're a new TWUSUPER member, you can apply (through Member Online) 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 your Insurance Welcome letter.

    And if you're a new Group 2 or 3 member, you can apply (through Member Onlinefor income protection cover within 120 days of the date of your Insurance Welcome letter, with an easier, quicker and simpler application process than would otherwise apply.

    Death and TPD cover

    You can apply for extra Death and TPD cover through Member Online. You can also:

    1. Apply with this online form
    2. Apply over the phone

    Apply online

    Income protection cover

    You can apply for income protection cover through Member OnlineYou can also:

    1. Apply with this online form
    2. Apply over the phone

    Apply online

    Fixed 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.

    To apply for fixed cover or revert back to basic cover, call us on 1800 222 071 from 8am to 8pm (AEST/AEDT) weekdays.

    Note: Before making any decisions about changing your insurance, see cover and costs or call us on 1800 222 071 from 8am to 8pm (AEST/AEDT) weekdays.

  • 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.

    Transfer insurance

  • Lifetime event insurance cover

    Throughout your life insurance needs change.

    Lifetime event cover provides extra Death and TPD cover for specific life events such as a salary increase, marriage, having a child (including adoption), 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:

      • within no more than 60 days of the event, or
      • within 60 days after the next member statement is issued to you after the event.

    You can apply for this online by logging into Member Online.

    Apply online

  • Reducing or cancelling cover

    You can reduce or cancel cover, but if you reapply for cover later you will need to provide medical evidence.

    You can reduce or cancel cover by calling 1800 222 071 from 8am to 8pm (AEST/AEDT) weekdays.

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