Death and TPD

Protecting you and your family

Death & Total and Permanent Disablement (TPD) cover provides you and your family with financial security if you pass away or become permanently disabled and unable to work. The benefit is paid as a lump sum.

You have three options:

  1. Accept our automatic default cover (if you’re eligible to receive it).
  2. Elect to receive default cover when you join us (if you’re eligible to receive it).
  3. Choose your own cover.

See ‘Our default cover’ for more information.

When choosing to tailor your own cover, there are some things you’ll need to consider:

This is general information only and has been prepared without taking into account your personal financial situation, objectives or needs. General information is not advice. You should assess your personal financial situation before making a decision about LUCRF Super. To help you decide we recommend you read our current Financial Services Guide (FSG) and Product Disclosure Statement (PDS).

Don’t have an employer who pays super into your account?

If you don’t have an employer contributing to your super account, then you won’t be eligible for any default cover. However, you can still apply for insurance by completing an Insurance Election Form and a OnePath Personal Statement.


Fixed premium cover – we set the cost and level of cover dependent on your age. This is designed so that you have a cover relating to each different stage of your life.

Fixed amount cover – you set the amount of cover you want. The cost of your insurance will change as you get older, but the amount of cover you have will always stay the same.

If you’d rather have fixed amount cover, you can tailor your insurance accordingly.