Could you or your family survive without your income? How would you meet living expenses, mortgage payments, school fees and other bills?

Your ability to earn an income is the biggest asset you have. Should you die or become disabled through illness or injury, having adequate insurance cover will help to relieve any unnecessary financial stress.

There are many benefits to having insurance through superannuation including ease of obtaining cover, lower cost due to group discounts, and fewer bills to pay, as your premiums are taken out of your super balance.

From 1 July 2019, the government has introduced new legislation through the 'Protecting your Super' package. If your account becomes inactive (that is if your account hasn't received contributions for 16 consecutive months) all your insurance will be cancelled.

Remember to opt in to keep your insurance if you don't want this to happen. You can do this via Member Online or the LGS mobile app, and go to the 'Profile and Preferences' tab and tick the 'insurance opt in' box. Alternatively, you can complete the 'Opt in to insurance' form.

Basic Insurance Cover

LGS provides you with Basic Death and Basic Total and Permanent Disablement cover in a linked combination of units for eligible members of the LGS Accumulation Scheme. The amount of cover you receive is tailored to the general needs and risk profile of your age group.

Learn about the basic cover you get as an LGS super fund member.

Voluntary Insurance Cover

If you would like insurance cover tailored to your individual needs, LGS offers the following voluntary cover at competitive rates:

  • Lump Sum Death cover
  • Lump Sum Death and TPD cover
  • Salary Continuance Insurance cover. 

Learn about the voluntary insurance options available to you.


When to take a closer look at your cover

Taking out the right insurance cover is particularly important if you:

  • rely on your salary to meet your living expenses or
  • have debts such as a mortgage, car loan or credit cards to pay off or
  • have dependants such as children, a spouse or ageing parents who rely on your income.

You should also review your insurance cover when circumstances in your life change, such as marriage, divorce or the addition of children in your family.

Need further information?

Please read our fact sheets:

You can use our insurance calculator to work out your insurance needs and premiums.


If you would like to apply for additional insurance or update your existing cover, please use the relevant form:

The information on this website is of a general nature only and does not take into account your personal objectives, situation or needs. You should consider obtaining professional financial, taxation and or legal advice tailored to your personal circumstances prior to making any financial decision.