Insurance Guide

Insurance can protect you and your family if something unexpected were to happen

Your insurance options

With Australian Ethical, you will be provided with insurance cover by default when you join, but it’s up to you if you’d like to keep your insurance at that level, cancel it, or apply for more.

Having the right type of insurance and the right level of insurance cover is an important part of planning for the future and protecting the finances of yourself and your family. While people insure their car and home, when it comes to personal insurance many people are under insured. Think about how you or your family might cope financially if you were not able to work either temporarily or even permanently due to illness or injury or in the event of your death.

Insurance is complex so we recommend speaking with an appropriately licensed adviser before making any decisions. Please read the Insurance Guide which explains important conditions and terms that apply to your insurance cover.

We offer insurance cover through MetLife Insurance Limited. Read our fact sheet for more information about the different types of insurance available through your super.

Insurance update

From 1 March 2018, insurance premiums for unitised Death and Total and Permanent Disability (TPD) cover will increase from $1.08 to $1.23 per week for one unit of cover (which is an increase from $56.16 to $63.96 per year).

The default level of cover provided to members is three (3) units of Death and TPD which means that the cost of cover will increase from $3.24 to $3.69 per week (which is an increase from $168.48 to $191.88 per year).

There will be no change to the cost of cover for those members with fixed Death and TPD or Income Protection insurance. Further details will be provided at a later date.

Insurance Guide

The Australian Ethical Financial Services Guide should be considered before making an insurance decision.

Guide Application form
Insurance Guide Insurance application form

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