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In addition to ensuring your super savings are invested in ways that accord with your personal values by avoiding activities resulting in the exploiting animals, people and the planet, you can also ensure that your health and family security are protected as well. Cruelty Free Super offers valuable additional insured benefits, a summary of which is given below:

Overview of Insurance

The Fund's Insurance Options offer you and your family assistance in the event of your death, or if you become totally and permanently or temporarily disabled. The following insurance cover is available in the Fund:

Death and Total & Permanent Disablement (TPD):

Death & TPD: Provides the member or their dependants (in the case of Death) with a lump sum payment in the event of Death or Total & Permanent Disablement. The amount of insurance cover can be selected by the member up to a maximum of $5 million for Death and $2 million for TPD, in $25,000 multiples.

Income Protection:

Income Protection: Provides a monthly income stream in the event that a sickness or injury causes the member to be unable to work and earn an income. This insurance covers 75% of your monthly Income up to a maximum Monthly Benefit of $20,000 for up to two years (or to age 65 if earlier). Monthly payments commence after expiration of the Waiting Period of 30, 60 or 90 days. The amount of cover can be selected by the member up to the maximum available benefit. The Waiting Period is calculated in accordance with provisions in the insurance policy and may be affected by any days that you return to work during the period.

Insurance cover is only available on application to the Fund's Insurer, and subject to the Insurer’s insurance policy. Full details of the types, levels and costs of cover, as well as important terms and conditions, are contained in the PDS - click here to download a copy.




For existing members (that is, members who joined the Fund prior to 1 January 2017) who are aged less than 55, default cover is available for opt-in between 1 January 2017 and 9 April 2017 (inclusive).  Both references to 1 March 2017 on Page 3 of our Insurance Guide should be replaced with 9 April 2017)



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