Insurance Needs Calculator


This calculator may assist you in determining whether you have sufficient insurance cover in the event of your death or disablement. By entering your personal details, the calculator will determine how many Super SA units of insurance you may require.

Any quotation provided to you by this calculator in respect of your insurance needs is an estimate only based solely on the information you have inserted into the calculator (including any default options) and the set of assumptions applicable to the calculator. None of the details you enter into this calculator are retained or saved by Super SA. The results generated by this calculator are not the responsibility of Super SA and should not be relied upon for the purpose of making a decision about the insurance you need through your superannuation. If you become eligible for an insurance entitlement, your entitlement will be calculated in accordance with the State legislation or Trust Deed and Rules governing the relevant product in respect of which your entitlement relates.

The superannuation products administered by Super SA are exempt public sector superannuation schemes and are not regulated by the Australian Securities and Investments Commission or the Australian Prudential Regulation Authority. Super SA is not required to hold an Australian Financial Services licence to provide general advice about its superannuation products.

The information provided by this calculator is not financial advice and does not take into account your individual objectives, financial situation or needs. It also does not take into account fees and charges or differentiate between income types. Super SA strongly recommends that before making any financial decisions, you consider the appropriateness of the information obtained from this calculator in the context of your own objectives, financial situation and needs, refer to the relevant PDS (including details of cooling off rights, if any) and seek financial advice from a licensed financial adviser in relation to your financial position and requirements. No liability will be accepted by Super SA in relation to any claims, losses, damages, costs or expenses whatsoever which arise as a result of using this calculator.

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Insurance Needs & Quote


Your Needs / Income + Debt

Your Needs / Education

Your Needs / Once-off Costs

Your Needs / Savings

  • $600,000 Income + Debt
  • $0 Education
  • $0 Once-off Costs
  • $0 Savings
Insurance Total $600,000 The maximum amount of cover you can have with us is $1.5 million. Please adjust your needs and savings until it is at or below $1.5 million

Death & Disablement - Two ways to get cover

Standard Cover

$13.20 per week / 11 units of cover
With standard cover your premium remains the same and your cover comes down with age
Age Cover Cost per week Cost per year

Fixed Benefit Cover

$12.90 per week / 11 units of cover
With Fixed Benefit Insurance your insurance benefit amount is fixed from the moment you purchase the cover, however your premiums may change at each birthday.
Age Cover Cost per week Cost per year


  1. The assumptions used in this calculator are based on the rules of the relevant fund and the applicable legislative schemes and are therefore considered reasonable for the purposes of working out the estimate.
  2. Your current death and TPD insurance cover has not been taken into account in this calculator. If you would like to check your current level of cover as well as your super balance, you can obtain a current death or TPD quote as at today's date from the, secure area of the website here.
  3. This calculator should not be used by preserved or spouse members. For further information on eligibility, please refer to the Death and TPD Insurance fact sheet.
  4. This calculator assumes an eligible member is an Active member who is having their Superannuation Guarantee contributions paid into Triple S.
  5. This calculator assumes the member is greater than age 16 and under age 70.
  6. Part-time or full-time employees may purchase insurance cover up to a limit of $1,500,000.
  7. Casual employees may purchase insurance cover up to a limit of $750,000.
  8. Units of insurance are calculated on the assumption of no pre-existing medical condition(s).
  9. Units of Standard and Fixed Benefit Insurance cannot be mixed
  10. Depending on the amount of insurance cover required, the units may be rounded up or down to the nearest whole number.
  11. Total Income or Income Replacement is calculated as the sum of your living expenses per year until you are age 70 from the age you entered in the calculator plus your mortgage plus your debt as per the figures you have entered. Things to consider when estimating your living expenses include rent/mortgage repayments, transport costs, entertainment, childcare, food, utility bills such as water, gas, electricity, credit card repayment, insurance premiums such as for health, home and contents insurance and car insurance.
  12. The total lump sum figure is the sum of the funeral costs, emergency funds, medical expenses and beneficiary lump sum as per the figures you have entered.
  13. Total savings is the sum of your super balance plus your savings as per the figures you have entered.
  14. Amount of cover is calculated as the total of your income replacement plus your education expenses plus lump sum less your savings.
  15. Living expenses, mortgage, debt, funeral costs, emergency funds, medical expenses and beneficiary lump sum figures will be equal to zero if you do not enter your own numbers.
  16. Education expenses are assumed to be zero if you do not enter in a figure for the number of children. If you do enter in a number for the ‘no. of children’ field then the education expense per child is estimated to be the number of years from their current age (as per the age you enter) until the child is age 18 multiplied by the average fees per year. The average fees default to $10,000 per year per child unless you change the figure.
  17. This calculator does not take into account any Super SA fees and charges other than the insurance premiums which have been quoted as part of “Your Results”.
  18. No allowance has been made for tax and Medicare levies on payments. The results are gross of tax and Medicare levies.
  19. If you are under age 65 and an Active Triple S Police or Triple S (AMB) member you are automatically covered by six units of Standard cover in the event of your death or total and permanent disablement. You must maintain at least equal to six units of Standard cover, according to your age, throughout your Active Triple S Police or Triple S (AMB) membership until you reach age 65. When you reach age 65 you can reduce or cancel your insurance.
  20. More information concerning Triple S Death and TPD insurance can be found in this Fact Sheet - Death and TPD & Death Only Insurance.

If your personal situation differs from the assumptions made, then the calculations may differ from your actual amounts.