Default cover - when you join LUCRF Super

When you join LUCRF Super, you’ll automatically be allocated a default level of Death & TPD insurance.

To ensure the cover is relevant to you, we’ve determined your default level of insurance to reflect your age and stage in life:

Age 14 – 24

You’re still young and probably just started out in your career. Kids and mortgage may not be at the top of your list. With this in mind – and recognising that you may require lower levels of insurance cover – more super will stay in your account, allowing it to grow for a time when you’ll need it.

Age 25 – 29

You’re settling into your career and may be starting to think about your future which includes buying a home and having kids, but you’re not quite there yet. As such, you may not need a lot of your cover. Your premiums are low, so your super is left to grow, rather than being chipped away.

Age 30 – 34

Early to mid-30s often brings big changes in life. You may have bought a house or had a child and while it still seems far away, you’re starting to think about protecting you and your family later in life. Our focus is on keeping your super growing. The good news is that during this time your cover will steadily increase, which will benefit you when you need it most.

Age 35 – 64

In this stage of your life, we want to make sure you’re adequately protected. Your premiums and cover increase to a level that will provide you with peace of mind should you or your family need to access it.

Age 65 – 69

Hopefully all your hard work has paid off and you can start to relax in life, without having to worry about having enough super and insurance to cover you and your family should something happen to you.

Death and TPD Graph


Understanding your default cover


  • Your cover defaults to our Light Blue category.
    There are three work categories under which you can be insured.
    It’s important you’re insured under the correct category.
    See the different work categories.
  • If you’re between 65 and 69, there are certain TPD definitions and restrictions that will apply.
    Read the full TPD definitions which apply.