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Additional Basic Cover

This is no longer available to apply for. 

Some members were eligible for Additional Basic Cover. If you have Additional Basic Cover, the premium rates are as follows (per $1,000 of cover).

Please note, 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 retention' box. Alternatively, you can complete the 'Opt in to insurance' form.

Please enter your age:

 Death onlyDeath & Total and
Permanent Disablement
Age Next
Birthday
Male Female Male Female
16 0.45 0.244 0.063 0.083
17 0.45 0.244 0.063 0.083
18 0.45 0.244 0.063 0.083
19 0.45 0.225 0.062 0.083
20 0.45 0.225 0.063 0.083
21 0.45 0.225 0.063 0.083
22 0.45 0.225 0.063 0.083
23 0.45 0.225 0.063 0.083
24 0.469 0.244 0.063 0.083
25 0.49 0.244 0.063 0.083
26 0.506 0.263 0.075 0.075
27 0.525 0.281 0.075 0.075
28 0.526 0.281 0.094 0.094
29 0.525 0.299 0.113 0.112
30 0.525 0.318 0.131 0.131
31 0.539 0.347 0.15 0.15
32 0.559 0.367 0.186 0.188
33 0.578 0.385 0.204 0.243
34 0.617 0.403 0.224 0.295
35 0.657 0.441 0.244 0.352
36 0.71 0.459 0.279 0.423
37 0.771 0.519 0.321 0.482
38 0.829 0.553 0.355 0.547
39 0.882 0.608 0.424 0.616
40 0.941 0.665 0.498 0.687
41 1.004 0.725 0.597 0.768
42 1.067 0.803 0.671 0.842
43 1.162 0.859 0.747 0.918
44 1.269 0.915 0.809 1.003
45 1.385 0.977 0.89 1.06
46 1.548 1.069 0.973 1.174
47 1.698 1.192 1.064 1.341
48 1.814 1.314 1.149 1.488
49 1.94 1.457 1.277 1.655
50 2.082 1.687 1.403 1.94
51 2.28 1.904 1.59 2.168
52 2.452 2.117 1.754 2.408
53 2.65 2.306 1.951 2.527
54 2.88 2.526 2.202 2.906
55 3.121 2.703 2.54 3.131
56 3.407 2.96 2.747 3.401
57 3.771 3.176 2.95 3.708
58 4.26 3.417 3.607 4.052
59 4.952 3.783 4.177 4.579
60 5.576 4.199 4.998 5.457
61 5.843 4.627 5.433 6.154
62 6.917 5.593 6.925 7.695
63 7.486 6.423 7.698 9.678
64 8.463 6.787 9.245 10.537
65 9.257 7.52 9.597 11.999
66 10.958 9.424 11.579 16.468
67 12.375 10.476 12.942 19.207
68 15.726 11.909 17.526 22.133
69 17.453 12.685 17.828 25.19
70 20.191 14.14 21.608 24.757

All Death and TPD insurance is subject to the terms and conditions in the PDS.
Trustee fee of 1.5%  of premiums is included
For members age 65 and over, the ‘Everyday Working Activities’ definition of TPD applies.
Rates are per $1,000 of sum insured and are based on the Insured Person’s age next birthday and gender.

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.