Determining the right amount of insurance protection for yourself and your family can be complex, but it doesn't need to be. Our Insurance Needs Calculator will help you to work out how much cover you need.

Life and disability insurance protects you and your family from the financial consequences of death and disability. At legalsuper we provide our members with access to:

  • Death cover - to provide financial support for your family if you die*
  • Total and Permanent Disablement (TPD) cover - to protect against the financial consequences of total and permanent disability*
  • Salary Continuance cover - to replace your income if you are affected by an injury or illness that impacts on your ability to earn an income*

This Insurance Needs Calculator requires some personal and financial details to determine how much cover you may need.

* For further information on the terms and conditions, please see legalsuper PDS and the relevant Additional Information document.

Why Have Insurance?

Research shows that Australians are overwhelmingly optimistic about their financial future. This optimism is a key driver behind Australia being the most underinsured of any developed country.

Many Australians simply don't have enough insurance, and some have none at all. It's a worrying thought when you consider that approximately half of all working age Australians:

Have a level of death cover that would meet less than 60% of their family's basic needs in the event of their passing^.

Have a level of disability cover (taking into account both TPD and salary continuance) that would meet less than 20% of their family's and their own needs in the event that they were injured/ill and rendered unable to work^.

There are many factors which affect the level of cover you need - our Insurance Needs Calculator can help you to calculate what level of insurance is right for you.

^ 'Underinsurance in Australia 2015' - Rice Warner Pty Ltd (ABN 35 003 186 883)

Your Details

Your Dependents



Current Cover

Your Suggested Insurance Cover

It is important to review your insurance cover amount(s) on an annual basis or if and when your circumstances change.

Next Steps

legalsuper provides a number of different ways for you to apply for insurance cover:

1. Contact a legalsuper Client Service Manager in your state and get assistance to apply for cover

2. Login to MemberAccess and select the Insurance Details tab to apply online

3. Download the Change Details form here and complete the insurance section

We are here to help

If you have any questions, please email mail@legalsuper.com.au or call on 1800 060 312.

Notes & Assumptions