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.

When you join us, you can either accept our automatic default cover, or you can tailor your cover to suit your individual needs.

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

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

If you don’t have an employer contributing to your super account when you join us, then you won’t be allocated any default cover. You can still apply for insurance. To do so simply complete a Member 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.