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Insurance designed for the resource sector

If you’re working in the resource sector, it can be a good idea to access insurance cover available through Resource Super. Here’s why:

Resource sector focus

We understand the specific demands and risks that are part of working in the resource sector and offer cover to protect you and your family.
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Competitive premiums

Getting insurance through your super can be cost-effective, and there may be tax savings on your premiums.
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Easy access to cover

You may have an automatic level of cover available, that’s based on your age and the work that you perform.
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Types of insurance

We offer three types of protection through your super to help you and your loved ones stay protected. 

Death Cover

Death cover, sometimes known as life insurance, pays your beneficiary a lump sum if you die. Your beneficiary will usually be your spouse, child(ren) or other dependants. It also pays you a benefit if you’re diagnosed with a terminal illness.

Death cover is an important safety net that lets you protect your family if you’re no longer around. It means they’ll be able to cover any outstanding costs and have a better chance of sustaining their current standard of living. Read Your Death Benefit factsheet for more information

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Get the right cover

Which insurance is right for you?

At Resource Super, we believe that knowledge is key to making sure you and your family have the right level of cover. That’s why we help you demystify insurance, so you know how it works and how you’re protected.

Understand insurance
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What our members say about Resource Super

Being part of Resource Super has not only provided me with financial security but also with peace of mind knowing that I have a trusted partner looking out for my best interests.

Moti, Queensland.

Member since 2017.

I am extremely satisfied with Resource Super’s customer service. They are responsive, knowledgeable, and always go the extra mile to assist. Trustworthy partner for managing my retirement funds.

Tania, Queensland.

Member since 2023.

Switch to the super fund that understands the resource sector

Discover why we’re the natural choice for Australians working in the resource sector.


Insurance FAQs

Discover the answers to some of the most common questions people ask us about insurance and super in the resource sector. If you can’t find what you’re looking for, please contact us.

Further information is available in the Insurance, Fees and Costs Guide available on your online account.

When you join Resource Super through your employer, at the commencement of employment, we automatically provide a level of cover when you reach 25 and your super account balance hits $6,000. You can obtain automatic insurance prior to this by opting-in. A Limited Cover period will apply where pre-existing conditions are not covered.

To opt in, download an opt in form  and send it to us when you’ve completed it.

Note that eligibility conditions may apply.
If you join as an individual, you’ll need to apply separately for insurance, and will have to be approved by the Fund’s Insurer.
If you’re already a member, you can check whether you have insurance and how much you’re covered for simply by logging into your account.


Having your insurance premiums deducted from your super account can be a cost-effective way to protect yourself and your loved ones if something goes wrong.
That’s because we can buy insurance policies in bulk, meaning your insurance premiums through Resource Super are more likely to be lower than if you took out a policy outside of super.
On top of this, because your super contributions are likely to be taxed at 15% – a rate that could be well below your marginal tax rate – you should get an additional saving.
Finally, obtaining insurance through super is usually the easiest way to get cover.
If you join Resource Super through your employer, you can even get an automatic level of cover without having to undergo any medical or health checks. However, you should always check the Insurance, Fees and Costs Guide Product Disclosure Statement to check eligibility requirements and see whether anything is excluded from your coverage.
We generally provide members who join through an employer with an automatic level of cover without a medical examination (once you are age 25 or older and have an account balance of at least $6,000).
If you join as an individual, you should contact us to find out what level of insurance we can provide you with.
That’s because the exact level of cover we can offer depends on a range of factors, including your age, medical history and risk factors, your salary and the job you perform. Our insurer will conduct a process called underwriting. It’s how the insurer decides whether it can provide insurance cover, and if so, on what terms and at what cost.

Your premiums will be calculated based on factors such as your age, risk factors, the job you perform and the level of cover. However, you’ll often receive a cheaper rate through your super than if you took out a policy yourself.

If you have a self-managed super fund, you can still usually take out insurance through Resource Super. Simply contact us to find out more.

Please submit your details to start the membership registration process.