Insurance with Rest

Life doesn't always go as planned. Insurance helps you protect yourself and your loved ones from the unexpected.

We've got you covered

Insurance options

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Death Cover

In the unfortunate event of your death, your loved ones could receive a lump sum payment, or if eligible, a pension.

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Total and Permanent Disability

If you become totally and permanently disabled as a result of being sick or injured, you may be eligible to receive a lump sum payment.

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Income Protection

If you’re unable to work for a prolonged period due to injury or illness, you may be eligible to receive payments to replace your income.

Coronavirus and Insurance

Discover how we'll protect your needs through the coronavirus pandemic

Important changes to insurance


Changes to government legislation and superannuation could affect you.
Please see below for some of the more recent changes. You can access the latest product disclosure statement and insurance guide to find out about how they apply to your insurance.

An update to your insurance terms and conditions effective 30 September 2021

We’ve updated some of the terms and conditions of your insurance effective from 30 September 2021. We continue to review our insurance regularly to help ensure it continues to meet the needs of our members. Learn more about the changes to your Rest Super or Rest Corporate insurance.

Keeping your insurance with Rest

Protecting your Super legislation introduced 1 July 2019 means that if you have not contributed to your superannuation account in the last 16 months, and you have not chosen to keep your cover despite this inactivity, your insurance will ‘switch off’. To further protect your retirement savings, Rest has reduced the 16 months to 13 months, and provided you with a 60 day window after its cancelled to elect to reinstate.

Putting Members Interests First (PMIF)

If your super is less than $6,000 (or you’re under 25) when you join Rest, receiving default insurance is no longer automatic. 

If you’d like to have insurance in your super, you’ll need to let us know. Do this by clicking on the insurance tab in MemberAccess, and following the options. We’ll withdraw insurance premiums from your super until you tell us otherwise, so you’ll need to ensure you have enough in your account to cover your premium.

If you join Rest and are age 25 or over, with a super balance of $6,000 or more, you’ll receive default insurance automatically when we receive your next super contribution from your employer.

Important Reading

Insurance Guides
Insurance Code of Practice - Find out more
Product Disclosure Statements

How Rest Advice can help

At Rest, we believe in helping you achieve your goals – both now and into the future – by making your money work smarter.