Insurance protection within super

What insurance cover is available in super?

Most AMP superannuation products include insurance, to provide some financial protection to you and your family if you die or are injured.

Your super plan may offer one or more of the following:

• Death cover – This is a lump sum paid in addition to your superannuation account balance if you die while being an insured member of your plan.
• Total and permanent disablement (TPD) cover – This is a lump sum paid if you become 'totally and permanently disabled' while being an insured member of your plan. This is only available if you have death cover.
• Temporary salary continuance (TSC) cover – This acts as a replacement income (paid monthly) if you are temporarily disabled. This cover is only available in combination with death and TPD cover.
• Temporary total disablement (TTD) cover – This is a monthly payment if you meet the definition of 'Temporary Total Disablement'. This cover is only available in combination with death and TPD cover.

This information is a summary only and you will need to check if any or all of these apply to you and your plan. Conditions apply to each form of insurance.

How do I know if I’m covered?

Your Annual Statement will show the insurance cover provided by your superannuation plan. You can also read the Product Disclosure Statement for more details about each product’s insurance options.

What if I want to add more insurance to my super account?

Most AMP superannuation plans provide insurance cover and allow you to choose additional cover for which premiums can be deducted from your super account. When applying for additional insurance cover, you may need to provide evidence of your health.

What other insurances are available to protect my family?

AMP has a comprehensive range of insurance options available to protect you, your family and your business.