Having the right level of insurance cover can give you the confidence to get on with life, knowing you and your family are protected. The amount of insurance cover you'll need will depend on your unique circumstances, including your family situation and financial commitments.

Work out how much life insurance you need

If you have a QSuper account, you may already have life insurance1 included in your super, with the flexibility to change or cancel your cover according to your needs. Here are some things to consider when working out how much of each type of cover you may need. You can check your current level of cover in Member Online.

 

Income protection

Think about:

  • Your current income
  • You and your family's day-to-day living expenses
  • Any ongoing debts you have to pay such as mortgages, car loans, or credit cards
  • How much sick leave you have
  • Whether you have access to other emergency funds or savings.
Find out more about income protection insurance.
 

Total and permanent disability (TPD) cover

Think about:

  • How much you might need to cover medical expenses
  • Whether you'll need money for home or transport modifications
  • Any debts you'll want paid off, such as mortgages, car loans, or credit cards
  • Your family's ongoing living expenses, such as rent, bills, and school fees.
Find out more about TPD cover.
 

Death cover

Think about:

  • Any debts you'll want paid off, such as mortgages, car loans, or credit cards
  • Your family's ongoing living expenses, such as rent, bills, and school fees
  • Immediate expenses your family may face if you die, such as funeral or legal costs
  • Other assets your family will receive if you die, such as cash, property, or shares.
Find out more about death cover.

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Calculate the level of cover that's right for you

Our insurance needs calculator can help you work out how much insurance you need.

Calculate now

What to do next

Find out how much your insurance costs

How much you'll pay for insurance cover will depend on your age, the type and amount of cover you hold, and how you've personalised it. Use our insurance premium estimator to get an idea of how much different levels of cover will cost with us.

Get a quote

Tailor your cover to suit your needs

Our insurance is flexible. You can increase or decrease your level of cover, and choose your income protection waiting and benefit periods (except for police officers). You can also cancel or permanently opt in to cover, or change how much you pay to better reflect your job by applying an occupational rating.

Change cover