Why insurance matters, at any age

Protect what matters in your 20s, 30s, 40s and beyond

Insurance through your super is like a safety net. Here are four reasons why insurance matters, no matter what your age is.

Could you be injured at work?

If like many of our members you do physical work, or dangerous work, like working from heights or confined spaces, you probably have a higher risk of injury than normal.

Maybe you also have hobbies that put you at a higher risk of injury, like extreme sports or riding motorbikes. What would happen if you couldn’t work for a long time, or ever again?

Insurance cover could help keep you financially independent, and it might mean you don’t have to depend on others (like your parents) to pay the bills.

You could have a random accident

You never know what’s going to happen on an ordinary day. Our member Jerome was closing an aluminium framed window at home when the frame broke, and the glass fell down and guillotined his thumb.

“It was a completely random accident, but it’s meant I can’t use my favoured right hand, and I've had multiple surgeries over the past couple of years,” Jerome explained.

Jerome can no longer work in his trade, but fortunately the Total and Permanent Disablement insurance through his super has made a huge difference.

You bought a home or made a big purchase

Maybe you’ve bought a home or investment property, or you’ve borrowed money to buy a car. Now you’ve got ongoing loan payments, but what if you have to stop work?

Having the right insurance cover could make a big difference in staying on top of your debts, if something goes wrong.

You moved in with your partner, got married, or had kids

If your partner or family relies on your income, and something bad happens to you, having insurance cover could mean your family’s home and lifestyle are secure.

It could give them the money they need to cover long-term costs like mortgage payments, rent, living expenses and education costs.

Insurance cover 101

Learn about the different types of Cbus insurance cover and how you can check yours.

Watch our 2 minute video.

Know your insurance

Insurance that gets you

Not all insurance policies are the same. Here are some benefits to having insurance through your super with us:

Due to our size, we can offer affordable insurance premiums.
Premiums are paid from your super, instead of your take-home pay.
We offer a loyalty rebate to eligible long-term members. Find more information on our insurance page.
We provide cover for high-risk jobs, but not all super funds do this.
Because we have a dangerous occupation exemption, we can offer automatic cover when other funds don’t. See our insurance page for more details.
It’s easy and flexible. Most members are eligible for automatic death and TPD cover. You can change your cover any time.
You can get help with insurance from our advice team, at no additional cost.

Is your insurance right for you?

Log into your account to check or change your insurance cover.

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Insurance is subject to eligibility criteria. Insurance is issued under a group policy with our insurer, TAL Life Limited ABN 70 050 109 450 AFSL 237848.