Super

The things you do today could make a real difference for your future.

Start here 

Grow your super

How to add a little extra into super.  

Consolidate super

Bring all your super accounts together, online.  

Update your beneficiaries

Add or change your beneficiaries at any time.

Plum super with your employer

Leaving your employer

Plum Personal Plan

First Home Super Saver Scheme

Annual Members' Meetings

Ratings and awards

Financial hardship and other vulnerabilities

Fast track your super

Growing your super webinar

We help you understand the various contribution strategies and their potential benefits.

Watch now opens in new window

Retirement

Get the retirement you always dreamed of.

Start here 

Turning your super into a pension income

Learn how to access your super as a regular income.  

Not retiring completely?

Secure the same income on fewer hours.

Plum pension account

Open a pension account opens in new window

Super and retirement rules

Get help and guidance

Aged care and estate planning

Retirement forecaster

Find out how long your super may last in retirement.

Get started

Investments

Achieve greater financial freedom by building your wealth today.

Start here 

Your default investment option

MySuper is a simple and cost effective option tailored for you.  

Investment performance

See how your super's performing including the latest returns.

A guide to choosing your investments

Investment Portfolio Holdings

How are your savings tracking?

Invest in yourself with a super health check using our calculator.

Login to start

Insurance

Protect yourself, and your family, if the unexpected happens.

Start here

What is insurance in super?

If you're a member of a super fund, you're likely to have insurance through super.  

Making a claim

Support and guidance when making a claim.  

Getting insurance in super

How much insurance do I need?

Leaving your employer

Death cover

Total & Permanent Disablement (TPD) cover

Salary Continuance Insurance (SCI) cover

How much does insurance cost?

Useful forms and terms explained

Government changes to insurance in super

Find out how much insurance you need

Use our calculator to get an estimate of what you may need.

View calculator

Tools & resources

Making it easier to plan for your future.

Start here 

Calculators

Make the right decisions when it comes to your money by checking where you're at.  

Forms & publications

Find the forms and information you need to grow, manage and review your super.

Your statement centre

Discover the Plum app

End of financial year

Plum member benefits

Rewarding you simply for being a member with us.

Visit now   opens in new window

Learning & support

Helping you make better decisions when it comes to your financial future.

Start here 

Get help & advice

Whether it’s simple or complex, we’re here to help.

Insights

Learn the basics of financial planning, super and investing.

Financial wellness hub

Access webinars, podcasts or hear from renowned experts live.

Women talk Super

Hear from everyday women about the changes they've made for the better.

Super consultation at no extra cost

Plum financial coaches are available to provide general advice at no additional cost.

Book now  

Insurance in super

We've got your financial future covered.

Government changes to insurance in super

Protecting super balances from the cost of insurance members may not need, want or be able to claim on

What’s insurance in super?

When you’re with us, insurance cover is available to you through your super account. This cover allows you to be prepared and protect your loved ones—if the unexpected ever happens.

Learn more

Benefits of insurance in super

The premiums that you pay for the cost of your insurance is taken directly from your super balance. This means that your take home pay won’t be impacted—which could be a tax-friendly option available to you.

We’re able to negotiate group discounts to get you the best prices on your premiums. These prices are generally lower than if you were to get insurance separately.

You may be eligible to get insurance cover straight away. This means you won’t need to do any medical tests or provide medical records.

Types of insurance cover that we offer

Death cover

If you pass away or you’re likely to pass away within 24 months due to a terminal illness—you’ll be able to financially assist your loved ones through a paid benefit.

Learn more

Total and Permanent Disablement

Sometimes the unexpected happens. If you were to become totally and permanently disabled, Total and Permanent Disablement (TPD) cover can help ease financial pressures by paying you a benefit payment.

Learn more

Salary Continuance Insurance (SCI)

If you’re unable to work due to illness or injury—Salary Continuance Insurance (also known as Income Protection) can provide you with ongoing income and financial support. This can assist you to meet your day-to-day living expenses while you focus on your health and recovery.

Learn more

Get help & advice 

We understand everyone is on a different financial journey. Your financial goals and aspirations are unique, and the advice you receive should be too.

Explore now 

How much does insurance cost?

The cost of your insurance (otherwise known as premiums) can depend on your age, gender, occupation, medical history, health factors, income and employment arrangements.

Find out more

Making a claim

We adopt a professional, compassionate and positive approach to claims management and actively seek to keep members at the heart of everything we do.

Find out more

Government changes to insurance in super

The government has made two sets of changes to insurance in super—the Protecting Your Super Package (PYSP) and Putting Members’ Interests First (PMIF).

Find out more

Insurance needs calculator

This calculator helps provide an estimate of what you may currently need for death cover, TPD and SCI.

Find out more

Useful forms

If you’d like to make changes to your insurance, visit our forms page to download the right form for you.

Find out more

Your insurer’s claim philosophy

Login to your account to find out more about your insurer’s claim philosophy.

login

Some things you may like to consider before getting insurance in super:

Insurance cover might be important for you if you’ve got a partner, family or dependants.

Easing financial stress during unexpected times might be important for you—if you’ve got a mortgage or any personal debt.

Your working arrangements might mean that you’d like to be prepared for your financial future.

Get the cover that’s right for you

Use our insurance needs calculator to find out the cover that’s right for your lifestyle.

Insurance needs calculator

Insurance in super FAQs

How much does insurance cost?

Click here to find out more information about the cost of your insurance (otherwise known as premiums).

What’s the impact of insurance premiums on my retirement savings?

It’s important to find a balance between super savings and the level of your insurance cover. This is because the more insurance premiums you pay, the less monies going into your retirement savings.

The type and amount of insurance cover that’s right for you depends on your personal, family and financial circumstances, as well as your income and lifestyle. It’s also important to consider that other factors such as your age and changes to your insurance or changes to your Occupation may cause your premiums to increase over time.

As your circumstances change, you may need more, or less, cover – that’s why a regular review is so important.

For example, an expanding family or a reduction in personal debt may differently influence your choice in the type and amount of cover you have. It’s important that you have the insurance cover that meets your needs at a cost that doesn’t unnecessarily diminish your retirement savings.

One simple check is to calculate your annual insurance premium as a percentage of your annual gross salary.

If your gross annual salary is $75,000, for example, you might prefer to keep your annual insurance premiums to under $750.

It’s easy to check the percentage of your annual salary you’re paying in annual insurance premiums: (your monthly premium amount x 12) / (your gross annual salary) x 100 = percentage of premiums paid.

I want to change the level of my insurance cover

If you’d like to make any changes to your insurance cover, complete and submit the Insurance form available by logging into your account. You can cancel your cover at any time.

What are some things that could impact my cover?

The following factors could impact your insurance cover:

When will my insurance cover stop?

To find out when your insurance will end, refer to your Insurance Guide which is part of your Product Disclosure Statement by logging in to your account.

To find out more about your insurance cover:

Log in to your account to view your Plan's Product Disclosure Statement (PDS) and Insurance Guide

Login to my account

Call us on 1300 55 7586 opens in new window|tel: 1300557586 Monday to Friday 8am-7pm AEST (8pm daylight savings time).

Request a call back opens in new window  and we’ll be in touch.

Email us your enquiry opens in new window

Download the Plum app

NULIS Nominees (Australia) Limited ABN 80 008 515 633 AFSL 236465 is part of the Insignia Financial Group of Companies, comprising Insignia Financial Ltd ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group).

Fund: MLC Super Fund ABN 70 732 426 024.