More...
Join

Super

Join

Employer

Join

Pension

Join
Login

Member

Login

New user?

Register now

Employer

Login

New user?

Register now
Home Insurance Default cover Personal member

Personal member

The default amount you may be covered for depends on your age & account type, and eligibility.

Default insurance for Personal (self-employed) members

You may be joining legalsuper as a Personal member if you are self-employed or substantially self-employed. Personal members will receive default cover of a fixed amount of $250,000 of Death (including Terminal Illness) and TPD insurance cover.  You can apply to increase, decrease or vary your insurance at any time. Health evidence is not required for default cover. However, eligibility conditions apply and are tested at the time a claim is lodged. Default cover for Personal members will commence once a contribution is made which is sufficient to cover your insurance fees, which depend on your age & gender.

What is Fixed Cover?

Fixed Cover means the amount of cover is fixed and does not change as you get older. However the insurance fee you pay will be subject to increases on certain birthdays (and annual increases from your 60th birthday). The insurance fee for Fixed Cover also depends on your gender. The insurance fee will be deducted from your account on a monthly basis in arrears.

For more information and to check your eligibility, & how much default fixed will cost you, please refer to our Additional Information publication and the list of occupations which has been provided by legalsuper’s insurer, OnePath Life Limited (below).

Additional Information, Employer Sponsored & Personal Super - Product Disclosure Statement (812.49 KB) OnePath occupational guide (80.28 KB)