As we send out information about your account, you may receive a text from us in the evening or on weekends, asking you to check your member portal. This is genuine, but please stay alert to scams: never share your password or personal details via text, and always log in directly through our website or app.

Important change to the Trustee of Smart Future Trust. From 1 Nov 2026, Stewarda Pty Ltd will become the Trustee. These changes won't affect your account or benefits. Learn more

Types of cover

Hands holding heart

Death cover

Heart with arrows circling around it

Total and permanent disablement

Coins and an up arrow

Income protection

What types of cover do we provide?

There are three different types of insurance you can access through GuildSuper: Income Protection, Total and Permanent Disablement and Death cover.

What cover don’t we provide?

While we don’t want to get too bogged down in what we don’t do, it’s important to know that there are some types of insurance we (and every other super fund) are not allowed to offer through super.

We can’t offer Funeral insurance or Redundancy cover (which is separate to Income Protection cover). We also can’t offer Critical Illness cover (which is different to TPD), but we do include Terminal Illness cover as part of Death cover.

If you think you may need any of these additional types of insurance or want to know more about how they may be relevant for you, you should speak to a licensed financial advisor about getting covered outside of super.

Page last updated 15 September 2026