Insurance

Insurance cover in REST Personal is voluntary and you can apply for different types of cover to suit your needs. REST Personal offers:

• Death only insurance. This provides a lump sum or pension to your dependant(s) in the event of your death or if you become terminally ill.
• Death Plus Total and Permanent Disablement (TPD) insurance. This provides a lump sum or if chosen a pension, if you're sick or injured to the extent that you're not expected to work ever again.
• Income Protection (IP) insurance. This pays an income in the event that you're unable to work for up to two years due to injury or illness.

There are a number of benefits of insuring through REST Personal. REST's large membership allows us to negotiate great insurance deals on behalf of our members. Your spouse can also apply for insurance cover as a spouse member for REST.
 

Applying for cover
 

When you apply for insurance, you will be required to provide a statement of your health satisfactory to the insurer. All cover will need to subsequently be accepted by the insurer. An application for insurance form is found in the REST Personal Superannuation Member Guide Product Disclosure Statement (PDS) together with more information on cover available and the health evidence you will need to provide.
 

Cost of cover

The cost of cover is deducted from your REST Personal account.

Please use the cost tables in the REST Personal Superannuation Member Guide Product Disclosure Statement (PDS) to assist you to estimate your insurance cost and cover.

Find out more

For more information, you should read the REST Personal Superannuation Member Guide Product Disclosure Statement (PDS)

This website does not contain full details of the contract between REST and its insurer and only offers a general guide to the insurance offered by REST. The insurance is provided under a contract between the Trustee and the Insurer, being AIA Australia Limited ABN 79 004 837 861, AFSL Number 230043 (trading as AIA Australia).  The Insurance information contained on this website relates to conditions that apply from 5 December 2008.