GESB - Insurance through super

Why super is the best place to have your insurance cover

Insurance cover is important, to protect your wealth and your family's future. Taking out insurance cover through your super account has many advantages, these include:

Feature	Benefit
Automatic cover	No medicals or personal history is required Your cover starts from your first employer superannuation contribution
Flexibility to tailor your cover	Increase, decrease, fix or opt-out to suit personal circumstances 'Free trial' period with no penalty
Competitive premium rates	GESB's size allows us to pass on lower premiums compared to cover you'd buy directly from an insurer
Tax benefits	For a taxed fund such as GESB Super, premiums are tax deductible to the fund and passed back as a rebate to you For untaxed funds such as West State Super, it reduces the tax payable on your benefit as insurance premiums are paid from pre-tax contributions and earnings
Pay premiums directly from your super account	Paying your insurance cover through super means you don't need to worry about finding money to pay regular premiums
Cover no matter what your occupation	Hazardous occupations such as Police and Prison Officers are generally not able to obtain insurance cover with other super funds or insurers

If you were to die while insured, a lump sum benefit will generally be paid to your estate. For this reason it is advisable you have a current Will, specifying how the benefit should be distributed.

For more information about the features and benefits of having life insurance through your super, read our Super and Insurance fact sheet 'Protecting yourself and your family' or refer to the relevant Product Information Booklet for your super scheme.

Note: GESB provides GESB Super and West State Super members with access to three types of insurance cover that can be tailored to suit your individual needs through the Insurer, AIA Australia.

Manage your insurance in Member Online

You can work out how much cover you need, get a quote, change your occupation category and increase or decrease your insurance cover in Member Online. Just go to the Your insurance page.

Not registered for Member Online? Try the AIA Australia LIFEapp tool to work out how much cover you need and how much it will cost.