Protecting your lifestyle through super

Is maintaining your lifestyle important to you? Do you have credit card, personal loan or mortgage debt you need to make repayments on? Don’t worry, most people your age are in the same position.

Having insurance can provide you with peace of mind knowing that if you can’t work and earn an income you can still pay your bills and support yourself, or if you pass away unexpectedly you can provide financial support for your loved ones.

Think you can’t afford it? Think again. Insurance cover through super is paid for from your super account so your take home pay isn’t impacted. We also negotiate premiums with the insurer in bulk on behalf of all our members, which generally means lower premiums than what you’d be able to get for the same cover outside of super.

The good news – you probably already have insurance!

When you join EISS Super and providing you don’t choose to opt out, you automatically receive Default Cover which provides Death and Total and Permanent Disablement (TPD) insurance. Your Default Cover is given to you without undergoing any health checks or seeking approval from our Insurer.

The value of your Default Cover changes with your age at your next birthday.

  • From age 16 to 20 years you receive $108,000 of cover.
  • From age 21 to 25 years you receive $232,000 of cover.
  • From age 26 to 30 years you receive $304,000 of cover.

Default Cover can provide protection for you and your family if you can’t work for the rest of your life due to serious illness, injury, disability or in the event of your death.

As Default Cover is provided to you without any knowledge of your health and lifestyle, there may be some limitations, exclusions and other eligibility criteria that apply.

How much insurance do I need?

Your Default Cover provides a base level of insurance, but everyone has different needs based on things like age, lifestyle, family situation, debt etc. It’s important to have the right level of cover to suit your specific needs.

Our insurance calculator, available at can help you work out how much you may need, or you can speak to one of our financial planners.

Can I get more cover through EISS Super?

We offer the following additional insurances:

  • Voluntary Death Cover
  • Voluntary Death and TPD Cover
  • Salary Continuance Insurance
  • Life Event Cover

More information about the different types of cover available through EISS Super is offered in our Insurance in Your Super document available at

We’re here to help

For more information or to make an appointment with one of our financial planners to discuss your insurance needs, please call 1300 369 901 and select option 2.