Energy Super's Death and TPD insurance provides a lump sum to you on the diagnosis of a terminal illness or if you’re disabled to such an extent that you will no longer be able to work.

A lump sum can also be paid to your beneficiary/ies in the event of your death.  In the event of your death, your beneficiaries will receive this insurance payout in addition to the balance of your Energy Super benefit.

Energy Super's size means we’re able to negotiate great premium rates for our members.  You may be eligible for even lower premiums if your job is performed primarily in an office environment.

You can choose from two types of Death and TPD insurance

  • unit-based, where you purchase a number of units and the value of each unit decreases each year on your birthday while the cost of your premium remains the same, or
  • fixed-dollar cover, where you choose a level of cover and the cost of your premium rises each year on your birthday.

How much Death and TPD insurance do I have?

You may have received automatic cover  depending on how you joined Energy Super. You can apply for extra cover using the following forms:

Requirements depend on your employment situation so you may need to submit medical evidence to raise your level of cover.

You can learn more about our Death and TPD insurance in the Energy Super Insurance Guide or the appropriate Energy Super Corporate PDS (if applicable to you).

To check your current level of cover look at your Annual Statement, call our contact centre on 1300 436 374 or email us

If you were previously a member of SPEC Super or ESI Super, please call or email us for details of your cover and options for increasing it.

If you’d like some personalised expert advice about your insurance cover over the phone you can access our single issue advice service at no extra cost.

For more information on insurance, you can also view our YouTube video.

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