Cover In Super

Your Super can be used to pay for three types of Covers: Life, TPD Any Occupation and Income Protection. By holding these covers through your super, your premiums will be paid by super money instead of your out-of-pocket money, thus making insurance more affordable.


Joint Guarantee

Pension insurance generally covers: life, disability, and income insurance.

Easy Payment

As long as there is a minimum balance in the superannuation account, you have the option to use your superannuation funds to prepay premiums without utilizing your personal cash flow.

Pemium Discount

There will be some discounts on pension insurance premiums, including: 15% tax rebate discounts, annual premium discounts, etc.

Easy to manage

Insurance premiums are generally automatically deducted from the pension every year, which is convenient for management.

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Who needs insurance inside super?

Individuals with real estate and loans, seniors, and children may have diverse wealth protection needs in the event of death, terminal illness, disability, or an inability to work:

  1. Property Protection and Loan Repayment: Desire to safeguard property, repay loans, and mitigate the risk of leverage issues.

  2. Business Continuity: Seek continuous funding for effective business management, ensuring an uninterrupted financial chain.

  3. Meeting Daily Expenses and Quality of Life: Want to cover daily expenses and ensure a certain quality of life.

  4. Compensation for Lost Income due to Disability: Desire compensation for lost income resulting from an inability to work due to disability.

  5. Reducing Cash Flow Pressure: Aim to alleviate cash flow pressure, preferring not to dip into personal funds, but instead utilizing pension funds in advance for family wealth protection.

How to customize your life insurance policy?

Choose coverage

What do you want to cover with pension insurance, including: life, disability, income insurance?

Adjust the sum insured premium

How much do you need to repay the mortgage? Are there other debts? How much income needs to be protected? How much does it cost to educate children? How much is the necessary living expenses?

Find the balance of protection

Tailor the coverage amount to fit within your affordable premium range. The concept is to invest in long-term comprehensive protection without compromising your quality of life. Strive for a balance between coverage and premiums, putting you in control of your wealth.

Compare insurance products for free

The Speed Lending Insurance specialist team is highly trained and experienced in risk management. We have successfully assisted many individuals in making claims during crisis situations. Our approach is straightforward, helping you compare top Australian insurance brands efficiently. This empowers you to customize a preferred insurance solution that meets your protection needs—affordable and tailored to your preferences. This streamlined service saves you time and money, providing an intimate one-stop insurance and wealth management experience.

Why Choose Us

Free comparison

Our comparison service finds the balance, saving you time and effort.

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Top insurers, chosen insurance brands, and a dedicated specialist team for your support.


No hidden fees, lower premiums, more discounts, total peace of mind.

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Continuous insurance management and claims assistance, worldwide 24/7 protection.

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Insurance comparison Life TPD Trauma Income Protection Active
Receive Monthly Benefit for being unable to work due to sickness or injuries.
Receive a lump sum benefits when you are permanently disabled and unable to work to in your occupation or any occupation.
Receive a lump sum benefit when you suffer from one of the listed major health event. (eg. cancer, heart attack or stroke, etc.)
Receive Monthly Benefit for being unable to work due to sickness or injuries.
Child Cover Option Receive Benefit when a child suffers a serious illness, disability, death or terminal illness.
Premium Paid via Super (100% or Partially)
Free Health Reward Program
Multiple claims
Additional Claims Safety Net
Protected Cover for Future Claims
Premium From AU$30.00/month From AU$30.00/month From AU$30.00/month From AU$50.00/month From AU$50.00/month


If your response is affirmative to the following queries, then it’s essential for you:

  1. Will an inability to work due to accident, illness, or disability impact your income?
  2. Do you require robust backup plans for necessary cash flow protection?
  3. Are there responsibilities tied to paying off your home loan?
  4. Do you aim to establish a financial safety net for dependents (family or children)?
  5. Is there a desire to add an extra layer of protection for your property?
  6. Do you wish to enhance the sense of security in your future work and life?
  • Died
  • Terminal illness (Example: Doctor predicts the insured has 24 months to live)
  • Suicide within 13 months is excluded from coverage.
  • Disclaimer: Exclusions apply for pre-existing medical conditions.

Typically, Australian life insurance is not fixed for a specific duration, and there’s no compulsory cost. You can customize your premium based on your situation, goals, and needs. Premiums are influenced by factors like the coverage amount, age, gender, premium structure, smoking habits, existing health risks, etc. General insurance often has a “validity period,” such as “valid until the age of 99.” During this period, policyholders can adjust or terminate the policy as needed for themselves and their beneficiaries.

 Pensions can pay 100% of life insurance premiums.


The underwriting officer of the insurance company will thoroughly assess the applicant’s health to determine the need for a medical examination.

For instance, when applying for critical illness insurance, if the applicant has any pre-existing health conditions like hyperlipidemia, high blood pressure, fibroids, or nodules, or if the applied critical illness insurance amount meets the underwriting medical examination criteria, the insurance company will proactively reach out to arrange a medical examination for yo

Who do I contact in the event of a claim? For insurance claim events, please promptly contact the Speed Lending Insurance team at; we will notify the insurance company based on your claim event and assist in preparing the necessary supporting documents.

Are there any additional charges for claims service? No, the claims service offered by Speed Lending to Insurance members is provided at no extra cost.

Can I contact the insurance company directly? Yes, you can. As your insurance policy is a legal contract between you and the insurance company, you have the option to directly contact the insurance company to initiate a claim.

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