Protecting your family and your future
Most of us insure our homes and cars but often, our most important asset is overlooked - our ability to earn an income and provide for our families. If something were to happen to you, it’s essential to have a backup plan in place to protect your family and your future.
Upon joining NGS Super, most members will receive a default level of insurance cover, offering a safety net for life’s most challenging times.
Benefits of insurance in super
Premiums are deducted from your super account - not your take-home pay. It's a tax-effective, automatic way to pay for protection and there's no need to adjust your monthly budget to cover the costs.
Our award-winning insurance is more than just a competitive product – we’re passionate about providing members with genuine support during their most difficult times.
We've partnered with TAL, a leading Australian life insurer, to provide insurance cover that's not only reliable but affordable. Reducing the cost of cover means minimal impact on your retirement savings.
Life and disablement coverLife is unpredictable so it’s important to have a backup plan for worst case scenarios. In the event of your death, disablement or serious illness, how would your family continue to cover costs like mortgage repayments or school fees? If you’re unsure, you should consider insurance.
Income protectionIf you're ill or injured, your first priority should be your recovery (and not your bills). Income protection provides you with an income if you're unable to work due to illness or injury - so you can focus on getting better without the financial stress.
How much is enough?Depending on your eligibility, you may receive a default level of insurance cover when you open an NGS Accumulation account. It's important to check that the level of cover you have is enough for your personal needs. Our calculator can help provide an estimate on how much insurance you need and what it will cost.
Find out more
Making a claim
We’re here to support you through your claim process. To begin, please call us on 1300 133 177. We’ll assign a designated claims officer to guide you through each step of the way.Find out more
Financial advice and support
NGS provide ongoing support, financial education and tailored advice from a team of qualified professionals.Find out more
For full details on how our insurance works and the options available to you, read our Insurance guide.Download
Insurance in Superannuation Voluntary Code of Practice
The Insurance in Superannuation Voluntary Code of Practice (the Code) is the superannuation industry’s commitment to high standards when providing insurance to members. In accordance with the Code, we work to deliver insurance products that are consistently understandable, transparent, and meet the best interests of our members.
The Code came into effect on 1 July 2018 and is being transitionally implemented until 30 June 2021. For more details about the Code and what it means for you, download the full document below.Download
Learn with NGS MoneyCoach
You might think super is tricky to understand but it doesn't have to be.Learn more
Just thinking about insurance contracts and disclosure statements can make your eyes glaze over but it pays to be 'in the know'.Learn more