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Intrust Super insurance options

Intrust Super offers Life insurance, combined Life and Total and Permanent Disablement (TPD) insurance and ‘PayGuard’ Income Protection insurance to all eligible members.

With the strength of over 96,000 members across Australia, we’ve been able to negotiate very competitive insurance premiums for our members. Our insurance covers you 24 hours a day, seven days a week. Best of all, premiums are deducted from your Intrust Super account, so you’re never out of pocket.

Protect your most important asset

Intrust Super’s PayGuard Income Protection insurance is a great way to protect you and your pay. Simply put, PayGuard can replace up to 90% of your income for up to two years if you’re unable to work due to injury or illness (52 weeks if the illness is a Mental Condition). Plus, we’ll pay an additional 10% of your benefit into your super account until you’re ready to return to work.

Conditions apply. Find out more about PayGuard income protection insurance below.

Protect the things that matter

Intrust Super’s Life and TPD insurance gives our members peace of mind that their loved ones will be looked after financially should the unthinkable occur.

Find out more about Life and TPD insurance below.

How long could you survive without your income?

For most people, the ability to work and earn money is one of their most valuable assets, so it makes sense to put measures in place to protect your income should the unexpected occur.

Through our PayGuard Income Protection insurance, you can rest assured that you’ll continue to receive up to 90% of your income, plus 10% of your benefit into your Intrust Super account, if you’re unable to work due to injury or illness for up to two years (52 weeks for Mental Conditions). Best of all, the cost of cover is deducted directly from your Intrust Super account, not your back pocket.

Other benefits of our PayGuard Income Protection include:


  • A choice of waiting periods (21, 30, 45 or 90 days) to suit your needs and budget.
  • Your benefit payment effective start date will be backdated to commence up to 21 days earlier if you’ve had continuous cover for two or more years with no claims.
  • Premiums are deducted from pre-tax monies, making it a tax-effective way to access insurance cover.
  • Cover is provided for Core Super | MySuper and Executive Super members when you join Intrust Super, unless you opt out (but not for the Select Super product, where you will need to opt in).

What am I covered for?

With PayGuard income protection insurance, you’re covered 24 hours a day, seven days a week, as long as your current employer is paying contributions into your Intrust Super account for you (note that work-related events are only covered within Australia)*. As with all insurance, some exclusions apply – download the relevant Product Disclosure Statement here for more information.

How much does it cost?

Our PayGuard Income Protection insurance is very affordable, partly because we’ve negotiated great rates for our members, and partly because premiums are paid straight out of your superannuation account and not your back pocket. If you don’t elect a longer waiting period, as a Core or Executive Super member, you can access peace of mind for 0.615% of your income, which equates to $1.54 a week for someone with a gross income of around $250 a week.

Of course if you elect a longer waiting period the premium will be reduced. To find out more, see Insurance ‘Other Important Information’.

The table below gives you an idea of how little it costs to ensure you’re covered when you need it most.

Weekly gross payWeekly premiumWeekly benefitPayGuard super contribution

^^Benefits are paid fortnightly in arrears and are subject to tax. Benefits may also be reduced by the amount of any statutory income benefit (e.g. Worker’s Compensation) that you receive. If you receive a not-at–work payment (e.g. sick leave payments), any benefit will be calculated as the difference between that benefit and 90% of your accepted income.

Of course, PayGuard isn’t compulsory, and you can cancel it at any time simply by letting us know.

Want to know more?

If you’re a Core Super member or are interested in joining Core Super, you can download our Core Super Insurance ‘Other Important Information’ document here.

For all other products, refer to Product Disclosure Statements.

*Cover continues for Select Super members while your account has a sufficient balance to pay the required premium.

^ Providing you meet the conditions of a PayGuard payment.

# Your waiting period starts from when you are first unable to work, on the advice of a legally qualified medical practitioner.

What is Life and TPD Insurance?

No one likes to think about bad things happening, but it’s important that you have measures in place to protect your loved ones should the worst occur. Life insurance provides peace of mind that your family will be looked after financially if you die. Similarly, Total and Permanent Disablement (TPD) insurance covers you and your loved ones if a serious injury or illness permanently prevents you from earning a living.

Intrust Super lets you combine TPD insurance with your Life insurance in one neat package.

Why get insurance through your Intrust Super account?

Here are a number of reasons why obtaining Life and TPD insurance cover through Intrust Super is a smart idea:


  • The cost of cover is deducted from your superannuation account, not your back pocket.
  • It can be cheaper than other options because we’ve negotiated special rates for our members.
  • Our Life insurance is provided on an ‘automatic acceptance’ basis, which allows you to access the default level of cover without providing medical evidence.

What cover can I get?

Our automatic acceptance levels (AAL) are fantastic, offering you cover without medical checks so you don’t have to jump through hoops to be covered. All new eligible members are provided with our default level of Life and TPD insurance when they join the fund, which is:

  • 2 units of cover for Core Super members
  • 3 units of cover for Executive Super members
  • 2 units of cover for Select Super members (Limited Cover applies for the first 24 months^).

Core and Executive Super members can apply for an additional 2 units of Life and TPD cover within 180 days* of being eligible without the need to provide medical evidence. You can also reduce your level of cover at any time.

It’s important to note that you can hold Life insurance only (i.e. without TPD), but you can’t hold TPD insurance without Life insurance or have more TPD insurance than Life insurance.

For more information about our insurance options, what’s included and how much it costs, please download the relevant document:


Already a member?

If you’re already a member of Intrust Super but don’t currently have insurance with us, simply complete the relevant Application for Changes to Insurance Form available on our Forms and PDSs page and return it to us. Your application will be sent to our insurer and you will be notified when your requested cover has been approved.

^ Limited Cover means cover for an illness diagnosed or an injury that occurred on or after the date that your cover commences.

* All units of cover over the default 2 units will need to be underwritten if you have chosen to use the Select Super product.

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We have been delivering first-class service to employers and members since 1988. We are a 100% Industry fund built around putting our members first.