{"coverCode":"NoTPD","coverTitle":"Total and Permanent Disablement (TPD)","coverTypeDescription":"TPD cover can pay you a benefit if you become totally and permanently disabled and are no longer able to work. A lump sum benefit can help to cover your living costs and the costs of rehabilitation."},{"coverCode":"NoTTD","coverTitle":"Income Protection Cover","coverTypeDescription":"Income Protection can help you to meet living expenses for a limited time while you recover from a sickness or injury after you have passed the relevant waiting period."},{"coverCode":"NoDeathTPD","coverTitle":"DEATH & TPD","coverTypeDescription":"Death cover can help provide financial security to those who depend on you in the event of your death or in some cases, terminal illness. TPD cover can pay you a benefit if you become totally and permanently disabled and are no longer able to work. A lump sum benefit can help to cover your living costs and the costs of rehabilitation.\nIf you currently have Death only cover (i.e. no TPD), you can select this option to cancel your Death only cover as well.\n"},{"coverCode":"","coverTitle":"","coverTypeDescription":"TPD cover can pay you a benefit if you become totally and permanently disabled and are no longer able to work. A lump sum benefit can help to cover your living costs and the costs of rehabilitation."},{"coverCode":"","coverTitle":"","coverTypeDescription":"Income Protection can help you to meet living expenses for a limited time while you recover from a sickness or injury after you have passed the relevant waiting period."},{"coverCode":"","coverTitle":"","coverTypeDescription":"Death cover can help provide financial security to those who depend on you in the event of your death or in some cases, terminal illness. TPD cover can pay you a benefit if you become totally and permanently disabled and are no longer able to work. A lump sum benefit can help to cover your living costs and the costs of rehabilitation.\nIf you currently have Death only cover (i.e. no TPD), you can select this option to cancel your Death only cover as well.\n"}

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Insurance

Having the right type of insurance and the right level of insurance cover is an important part of planning for the future and protecting the finances of yourself and your family.

The key terms and definitions relevant to your cover are described in the Insurance Guide, available on the Product Information page.

You should read the important information about both default and optional insurances before making a decision and to ensure the insurance is appropriate for you. Total cover amounts are not guaranteed and are subject to you meeting the relevant terms and conditions of the policy.

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Please note: By accessing this site you will be leaving the Australian Ethical Retail Superannuation Fund website and the Privacy Policy and the Terms and Conditions applicable to that website will no longer apply. You are encouraged to read the privacy statements, disclaimers and terms of use of any new websites that you visit. Neither Mercer Outsourcing (Australia) Pty Ltd (ABN 83 068 908 912 AFSL #411980), the provider of the Australian Ethical Retail Superannuation Fund website, or Australian Ethical Retail Superannuation Fund (ABN 49 633 667 743, RSE L0001441, USI AET0100AU) or Australian Ethical Investment Ltd (ABN 47 003 188 930, AFSL 229949) are liable or responsible for the views, materials or actions of any organisation whose website you access via a link from the Australian Ethical Retail Superannuation Fund website.

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You can change your cover in the insurance portal.

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