If you were too sick or injured to work, insurance can protect you and your family by helping you afford your day-to-day living expenses and other financial commitments.

Most LGIAsuper members automatically receive death and disability insurance. So you’ll enjoy peace of mind knowing there’s financial support available if the unthinkable happens.

Why have insurance through LGIAsuper?

Having insurance through LGIAsuper means:

  • you receive a minimum level of cover without needing to apply or show evidence of good health (if you receive automatic cover1)
  • you generally enjoy lower premiums than if you applied for insurance outside of a super fund thanks to our group buying power
  • premiums are automatically deducted from your super account so you won’t have to dip into your take-home pay

What cover is available?

Here’s a snapshot of the insurance benefits we offer.

Type of coverDetails
Death and Total and Permanent Disablement cover (TPD)
  • Provides you with a one-off lump sum if you are permanently disabled due to illness or injury or die.
  • Terminal illness cover is also included as part of your Death cover. This provides an early payment of your Death benefit if you’re diagnosed with a terminal illness.
Income Protection
  • Provides a benefit of up to 75% of your salary for up to 2 years to replace part of your income if you become totally or partially disabled due to sickness or injury

What cover do I have?

The amount and type of insurance you automatically receive depends on your age, when you joined LGIAsuper and how you’re employed. Find out what cover you automatically receive.

Can I change my cover?

Absolutely. Your insurance needs are driven by your lifestyle and financial commitments and these factors will change depending on where you are in life. That’s why it’s a good idea to regularly review your cover. You can apply to increase your cover if you feel you don’t have enough. Or, if you think you have more cover than what you need you can reduce your cover or cancel it altogether. Find out more about tailoring your cover.

How do I make a claim?

Although we hope you never have to claim, you can count on LGIAsuper to action your insurance claim as quickly and fairly as possible. To help make the process easier for you, we have put together some tips to help get your claim underway.

Where can I get more information?

For detailed information about your insurance cover, including exclusions, increasing or decreasing your cover, and making a claim, download our Insurance guide.

If you have an LGIAsuper Defined Benefit account, your insurance cover is different. For details on the benefits you receive read the relevant Defined Benefit guide on our PDSs and guides page.

1. If you joined LGIAsuper as the spouse of a member you do not receive automatic insurance but you can apply for cover and get a better deal as part of your LGIAsuper membership.

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Do you have enough insurance cover?

Our Insurance needs calculator will help you work out how much death, TPD and Income Protection you need.

Open calculator

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Control who inherits your super

Tell us where you want your super death benefit to go when you die by nominating a beneficiary.

Learn more