You probably insure your home, your car, your possessions and your health. It’s not nice to think about, but what would happen if you lost your ability to earn an income?

First Super offers insurance cover for Death, Total & Permanent Disablement and Income Protection. You can find more details about cover and costs in our Insurance booklet.

You need to decide if the ‘default’ level of minimum insurance cover you automatically receive when you join is the right level of cover for you.

This will depend on your personal situation. If you are the main breadwinner, have a partner, children, a mortgage and/or other debts, you’re likely to need more cover than someone who is single and has little debt.

Start with your living costs. If you couldn’t work for six months, how much money would you need to pay the bills and cover living expenses?

How much would you need if you could never work again?

Once you have these figures, you can work out how many units of insurance you require. And if you’re unsure, our Financial Planner^ can help you work it out. Or use our Insurance Calculator to estimate the cover you may need.


Protecting our family is second nature to us all. Understanding how you can protect them through super can give you peace of mind and a financial safety net.

To ensure you have the right amount of protection, you need advice you can trust.

At First Super, we have a team of Financial Planners^ who can help get your super working for you and your family. Contact us to make an appointment today.

^Financial Advice will be provided by Industry Fund Services Ltd (IFS) (ABN 54 007 016 195, AFSL 232514), or an IFS Authorised Representative.

This is a sponsored advertising promotion by First Super Pty Limited (ABN 42 053 498 472, AFSL 223988) as trustee of First Super (ABN 56 286 625 181).  This publication may contain general advice which has been prepared without taking into account your objectives, financial situation or needs. You should consult the Product Disclosure Statement (PDS) before making any investment decision. Before making a decision to combine your superannuation, you should consider any costs, change to insurance cover or loss of benefits that may apply and, if necessary, consult a qualified financial adviser. Past returns are not a reliable indicator of future returns. Content was accurate at the date of issue in July 2020, but may subsequently change. Please contact First Super on 1300 360 988 for updated information or to obtain a copy of the PDS. No commissions or fees are paid to NZRelo as part of this promotion, apart from advertising costs.


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