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Death & TPD Insurance Cover 

You can apply for additional Death and Total and Permanent Disability (TPD), Death only or TPD only insurance cover that is paid for out of your Nationwide Super account, up to the following maximum limits:

  • Death cover pays a lump sum on your death or the diagnosis of a terminal illness. Maximum benefit of $10 million, for terminal illness cover is included as part of Death cover, the maximum Terminal illness benefit payment is $3 million.
  • TPD cover pays a lump sum if you become totally and permanently disabled and are unlikely to ever work again in a job which you are reasonably qualified for by education, training and experience. Maximum benefit of $3 million

Unitised or fixed – the choice is yours

When you apply for voluntary Death and/or TPD cover, you can select to hold your cover on either a unitised or fixed basis.

Unitised cover means that the amount of Death & TPD cover provided per unit will change with your age, however your monthly premium will remain fixed.

Fixed cover means that your level of cover remains fixed and your premium changes with your age. The premium cost of fixed cover depends on your age, the type of cover selected, your gender and occupation rating. Fixed cover is available in multiples of $10,000.

For full details of insurance fees and cover options, simply refer to the Insurance, Fees and Costs Guide available from our Forms section.

The right amount of cover

If you would like advice on your insurance needs that is tailored to you, you can obtain personal advice from a Super Adviser over the phone.

Applying is easy

To apply for additional insurance cover, simply complete the Insurance Application form.