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Insurance cover options

Death (including terminal illness) and TPD cover provides a lump sum payment to you or your dependants in the event of death, or you suffer from an illness or serious injury which makes it impossible for you to work. This insurance can help protect against unforeseen circumstances to ensure the ongoing well-being of you or your family members

Short Term Income Protection cover provides a replacement income of up to 90% (plus the employer Superannuation Guarantee contribution of 9.5%) for up to two years if you are unable to work temporarily due to illness or injury (conditions and waiting periods apply). This means you can continue to pay your bills while taking the time to recover.

Long Term Income Protection cover can provide replacement income of up to 75% (plus the employer Superannuation Guarantee contribution of 9.5%) until age 65. This cover complements the Short Term Income Protection cover as it has a two year waiting period.

Learn more about our insurance products

Insurance made for you

Insurance is not a “one-size fits all” solution, so our insurance offering is designed to be tailored based on the age of the member being insured.

We’ve set default insurance levels to align with member needs at certain ages and set the insurance premiums accordingly, making our insurance offerings affordable and sustainable.

Members wishing to apply for additional insurance can also access customised cover based on their age, increasing their cover through additional units or fixed cover.

Ins 1
Meet Lauren (19 years old)

Young and without debts, she doesn’t need a large amount of Death & TPD cover. But as she gets older, her needs will change.

Learn more.

Ins 2
Meet Peter (45 years old)

He has elected to increase his Death & TPD cover to ensure that he has enough cover for his current personal situation.

Learn more.

Ins 3
Meet John (35 years old)

His income is protected in case he cannot work which means he can maintain his lifestyle and keep paying his bills.

Learn more.

Not sure what cover you already have?

For assistance, call 1800 680 627 between 8am and 6pm, Monday to Friday AEDT weekdays. Alternatively, you can submit an enquiry or discuss your options with your local Member Services Manager.

For personal financial advice, call us on 1800 680 627 and we can refer you to Club Plus Financial Planning*.

Why choose Club Plus Super cover?


Outstanding value

We offer great value options, helping you get the right insurance directly through your super.


Industry recognition

Club Plus Super has won a range of industry awards and endorsements.


Designed for members

We have designed our insurance to suit your needs at different stages in your life.

¹Club Plus Financial Planning Pty Ltd ABN 14 143 636 766 is a Corporate Authorised Representative #367058 of Link Advice Pty Ltd ABN 36 105 811 836, AFSL 258145 (Licensee).
All Club Plus Financial Planning’s financial advisers are sub authorised representatives of the Licensee.