Life is unpredictable — it's important to be prepared for the unexpected. Our Life and Total and Permanent Disablement (TPD) insurance can provide financial protection for you and your family if you were to die, become terminally ill or were unable to work due to illness or injury.

Check your Life and TPD cover

What is it?

In a nutshell, Life insurance can provide a lump sum if you die or become terminally ill. TPD insurance can provide a lump sum if you are permanently unable to work due to illness or injury. A lump sum can play a huge role in financially protecting your family through challenging times. Having Life and TPD insurance in super means that your premiums are paid directly from your super account. Our Insurance in super page explains how insurance in super could work for you.

Default Life and TPD cover

Once eligible, NGS members may receive Default Life and TPD insurance within super. Default Cover is age-based — this means, the level of cover you initially receive will depend on how old you are when you become eligible. This level of cover will change as you get older.

You can get an idea of how much Life and TPD cover you may need using our insurance quote calculator. If you don’t think your Default Cover suits your needs, there are various ways (described further below) you can apply to change it.

Get a Life and TPD quote

Transfer your cover

If you are planning to roll your full account balance from another super fund into your NGS Super account, you can apply to transfer any insurance attached as well. 'Transfer' in this context refers to new cover in your NGS Super account (subject to our insurer's definitions, terms and conditions) that will be issued to replace the cover you have with your other super fund.

It's important to make sure your insurance transfer is complete before you roll your super account balance across, otherwise your previous super fund may cancel your insurance completely. Please read our Insurance guide for more information.

Change your cover

You can change your insurance by applying to:

Increase your cover or apply for cover

Increase your cover following a Life Event

Change from age-based cover to fixed cover

Change your insurance category (to reduce your premiums)

Reduce or cancel your cover

Depending on the type of change you wish to make, you'll need to meet certain eligibility criteria.

You should read our Insurance guide before applying to change your insurance online or by completing a form.

Member online Insurance forms

Income Protection

Income Protection can provide 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.

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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.

Financial advice and support

NGS provide ongoing support, financial education and tailored advice from a team of qualified professionals.

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Insurance guide

For full details on how our insurance works and the options available to you, read our Insurance guide.


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