Back to Rest Super

Insurance features

If you’re aged 18 or over, when you join Rest Super and we receive your first employer contribution from a Rest employer you’ll automatically receive Default Cover for Death, Total and Permanent Disablement (TPD) and Income Protection (IP) insurance (subject to eligibility).

All detailed information about our insurance offering is available in the Rest Super Insurance Guide.

Insurance options


Death cover

  • Provides your beneficiaries a lump sum, or if chosen a pension, benefit when you die
  • Rest’s  life stage cover means that the amount you're insured for starts low and will automatically change depending on the stage of your life and your expected need for Death cover
  • Unlimited Voluntary cover available*.

TPD cover

  • Provides a lump sum benefit to you at most ages if you become totally and permanently disabled as a result of being sick or injured.
  • Voluntary cover is available to a maximum of up to $5 million ($1 million if you’re aged 65 to 69)*.

Long-term Income Protection cover

  • Provides you with an income stream if you’re unable to work for a prolonged period due to injury or illness
  • Voluntary cover is available to a maximum of up to $30,000 per month*
  • Waiting period – 60 days
  • Benefit period  ends on the earliest of:
  • when you are no longer unable to work
  • when you reach age 60 if your waiting period ends prior to age 58
  • the end of a two-year benefit period (or at age 65 if this occurs earlier), if your Waiting Period ends on or after age 58
  • your death

Insurance features

Transfer cover from another fund

You can transfer up to $1 million of existing Death or TPD cover you may hold with your previous super fund to Rest

Terminal Illness

A Terminal Illness benefit is the amount of money payable to you if it is medically determined that you have a limited life expectancy (see Rest Super Insurance Guide for further details).

You may be able to claim your superannuation account balance and, depending on the type of insurance cover you have, an insurance benefit the same as your death cover.

Voluntary cover

With Rest Super you have the option to increase your level of cover at any time*.

Automatic cover when changing jobs

When your new employer contributes to your existing Rest Super account, you do not need to reapply for insurance cover as long as your previous cover wasn't cancelled or didn't expire due to insufficient account balance.

Continued cover

When you change jobs and are not working for a Rest employer, your cover will continue (if you have any) as long as your account balance has sufficient funds to meet the cost.

Age 25 reinstatement

We make it easy to get cover again later when it may be more relevant to you. For members who turn 25, if you have cancelled your insurance cover (zero units of Death, TPD and IP), irrespective of your employment status, we will automatically reinstate the Default Cover upon receipt of the first mandatory employer contribution received for you that relates to a period of employment beginning on or after the beginning of the month in which you turn 25 and before you turn 26. If we don’t receive a mandatory employer contribution before you turn 26, then this offer will expire and be unavailable to you in the future. Automatic reinstatement does not apply if you already have  insurance cover.

Special offer for new Rest members

You can increase your level of Default Cover by additional one or two units, without having to provide any health evidence (limits and conditions apply) within your first 120 days of joining Rest Super if you are aged 18 or older and are receiving mandatory employer contributions from a Rest employer.  Apply for additional cover via MemberAccess.

* Subject to underwriting and approval by the insurer

This website is provided by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 24 0003 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund), of which Rest Super, Rest Corporate, Rest Pension and Acumen are part. It contains general advice that has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information or deciding whether to acquire or hold a product, consider its appropriateness and the relevant Product Disclosure Statement (PDS), which is available on this website. The cost of providing financial services is included in the fees in the Fund as disclosed in the relevant PDS. Rest and the Fund do not charge any additional fees or obtain any commissions for the advice provided. Rest’s employees are paid a salary and do not receive any commissions. They may receive a performance related bonus that takes into account the financial services provided. Super Investment Management Pty Limited (ABN 86 079 706 657, AFSL 240004), a wholly owned subsidiary company of Rest, manages some of the fund’s investments. Apart from this, Rest does not have any relationships or associations with any related body corporate or product issuer that might reasonably be expected to be capable of influencing Rest in providing financial services.

Rest personal advice is provided by Rest Advisers as authorised representatives of Link Advice Pty Ltd ABN 36 105 811 836 AFSL 258145

Awards and ratings are only one factor to consider when deciding how to invest your super. Further information regarding these awards can be found at Past performance is not an indicator of future performance. SuperRatings Pty Limited does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria. For further information about the methodology used by Chant West, see