• Insurance options

  • Australian Catholic Superannuation offers three types of insurance cover to members:

    1. Death cover (including terminal illness cover)—which pays a lump sum to your beneficiaries if you die, or to you if you suffer a terminal illness
    2. Total and permanent disablement (TPD) cover—which pays a lump sum if illness or injury means you are unlikely to ever be able to work again
    3. Income protection (Temporary salary continuance [TSC]) cover—which pays a monthly income while you are temporarily unable to work because of illness or injury.


    Death and TPD cover are available as either a fixed-dollar amount or in units. Income protection (TSC) cover is available only in units.

    You can choose your own mix of cover, but your TPD cover cannot be more than your Death cover and you cannot hold TPD cover without Death cover.

  • Automatic cover

    • When you join the Fund, you will automatically receive a certain amount of cover, provided you meet certain eligibility criteria.

      If you were enrolled into the Fund by an employer sponsor, you will automatically receive both Death/TPD cover and income protection (TSC) cover.

      If you are a personal member (i.e. you were not enrolled into the Fund by an employer sponsor), you will receive Death/TPD cover only.

      For details of the amount of cover you will receive, the premiums you will be charged and the conditions that apply, you can download our:


      If you do not want automatic insurance cover, you will need to notify us by completing a Change your insurance arrangements form (PDF). A copy of this form is provided when new members join the Fund.

      However, please be aware that if you do cancel or reduce your cover, you will need to apply and be accepted for underwriting by our insurer if you want insurance in future.

  • Changing your cover

    • You can apply to make changes to your current insurance cover with the Fund at any time.

      If you want to increase, reduce or cancel your level of death, total and permanent disablement (TPD) or income protection (temporary salary continuance – TSC) insurance cover, you will need to complete our Change your insurance arrangements form (PDF).

      You can also convert to fixed or unitised cover, transfer external cover to your Australian Catholic Superannuation account and apply for additional types of insurance such as Lifestyle cover. Depending on the change you want to make, you can download the relevant form from the list below.

      Please be aware that if you do reduce or cancel your cover and then decide to take up insurance again in future, you will need to apply and be accepted for underwriting by our insurer.

      If you need help working out which is the correct insurance form for your situation, call us on 1300 658 776.

  • Transferring cover from another fund

    • You can apply to transfer cover you have in another superannuation fund, subject to meeting certain terms and conditions.

      Download our Insurance application: Transfer cover to Australian Catholic Superannuation (see below).

  • Age limits

      • The minimum age for starting any insurance cover is 15.
      • The maximum age for starting income protection (TSC) cover is 64.
      • The maximum age for starting Death and TPD cover is 69.
      • Income protection (TSC) cover ceases at age 65.
      • Death and TPD cover cease at age 70.
  • Want to know more?

    All member insurance cover obtained through Australian Catholic Superannuation is subject to the terms and conditions of our insurance policies.

    More detailed information is contained in the following documents:


    Download the relevant insurance form listed below to change, convert or transfer your cover.

    Please contact us if you:

    • Have any questions about insurance cover through the Fund
    • Are unsure which is the correct form you should use
    • Would like over-the-phone financial advice so we can help you determine whether your current type and level of insurance cover is adequate for your personal circumstances.