Why have insurance?

When it comes to affordable, flexible insurance - we’ve got you covered. Our insurance gives you comfort knowing you, your family and your lifestyle is protected, at most stages of your life.

Best of all, premiums are deducted from your super, not your take-home pay.

Insurance cover options

Death Only (including Terminal Illness)

A lump sum amount if you die or have a terminal illness.

Death and Total & Permanent Disablement (TPD)

A lump sum amount if you die, have a terminal illness or become totally and permanently disabled.

Income Protection

An income paid for a selected period if you become disabled and are temporarily unable to work due to sickness or injury. This type of cover will provide you with a monthly benefit.

For definitions, read the Insurance Guide.

When you join AustSafe Super you’ll automatically receive two units of Death and TPD cover. Eligibility conditions apply. 

If you want a higher level of cover or need Income Protection, you’ll need to apply for it. For more information on our insurance cover, read the Insurance Guide.

Not sure of how much cover you need?

Use our Insurance Calculator to find out how much insurance cover you may need and how much it will cost.

Insurance calculator

Already a member and not sure what cover you have?

Login to MemberOnline (you'll need your Member Number and password). If you haven't registered yet, get started here. Alternatively, call us on 1300 131 293. 

Need advice

If you need help determining the type, level or how much cover you need, call an AustSafe Super Financial Planner1 on 1300 131 293 to arrange an appointment, either in person or over the phone.

Super affordable insurance

AustSafe Super’s insurance is provided by CommInsure (a registered business name of The Colonial Mutual Life Assurance Society Limited ABN 12 004 021 809). Throughout this website when we talk about insurance, we may refer to CommInsure as the ‘Insurer’.


1Austsafe Pty Ltd ABN 96 010 528 597 AFSL 314183 RSE Licence L0002035 has engaged Industry Fund Services Limited (IFS) ABN 54 007 016 195 AFSL No 232514 to facilitate the provision of financial advice to members of AustSafe Super. Advice is provided by one of our financial planners who are Representatives of IFS. Fees may apply. Further information about cost of advice is set out in the relevant Financial Services Guide, a copy of which is available at austsafe.com.au or by calling 1300 131 293. IFS is responsible for any advice given to you by its Representatives. Any reference made to an AustSafe Super Financial Planner refers to the IFS service.