Insurance cover is an important part of superannuation. To keep things simple, you automatically receive some insurance cover with the AMG MySuper product when you join and, best of all, you usually don’t need to fill out any forms.

Employers have the flexibility to offer different benefits to different categories of employees. We call this type of cover ‘tailored cover’. Eligible employees will automatically receive insurance cover without having to provide medical evidence.

You can apply for voluntary insurance or additional insurance cover by completing an insurance application form.

Eligible members can be insured for:

  • Death
  • Total and permanent disablement
  • Income protection.

Speak to your financial advisor before taking out insurance.


Insurance Code of Conduct

Emplus, AMG Super and Equity Trustees Superannuation Limited have signed up to the Insurance Code of Conduct and have implemented a transition plan. See below the official statement:


Name of Trustee: Equity Trustees Superannuation Limited (ABN 50 055 641 757)

Name of Fund: Emplus, a division of AMG Super (ABN 30 099 320 583)

We have adopted the Insurance in Superannuation Voluntary Code of Practice, which commenced on 1 July 2018.

This transition plan applies to the following fund (among others):

  • Emplus, a division of AMG Super

The products that we offer that will be covered by the Code are:

  • All products in the Fund that provide insurance cover.

While we already carry out many of requirements of the Code, we will transition to all of the standards of the Code, with some exceptions, by the following date:

  • 30 June 2021.

We will be undertaking a planned approach to work with our Administrators and Insurers to ensure that we meet all sections of the Code by the above date and earlier where possible.

Exceptions to the standards of the Code are expected to include the following matters:

  • Some insurance premiums may cost more than 1% of member salary or wage due to the occupation loadings that are applied. Occupation loadings are applied in order that insurance premiums fairly reflect the risks incurred in many occupations.
  • We may provide some interpreter services on a fee-for service basis.

You can view the Insurance Code of Conduct here.