We're all about affordable insurance
- Buy your insurance inside super
Take advantage of tax concessions that may make it cheaper than insuring outside super.
- Choose level premiums
Level premiums are consistent over time* so you can avoid additional premium cost later in life.
- Pay your premiums annually
You may be eligible for a discount if you pay your premiums annually, rather than monthly.
- Save with income protection options
Choose a longer waiting period for your benefit payment and a shorter benefit payment period to significantly reduce your premiums.
- Reduce the sum insured
As a last resort, you can consider insuring yourself for a lower amount. Starting with a lower sum insured means you get in while you're young and start enjoying the benefits of insurance, which can be increased as you need over time.
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* Level premium doesn't mean your premiums are guaranteed or do not change. Level premiums may increase over time due to rate increases, Consumer Price Index (CPI) increases and policy fee increases. However, unlike stepped premium, level premiums (excluding CPI) don't go up by age-related increases