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
It would be easy to assume that insurance in super doesn’t cost you anything. After all, you won’t be sent monthly or quarterly bills to pay like you might with other types of insurance cover you take out.
Insurance in super is generally cheaper than insurance you might hold outside of your super fund, but it does still have a cost. We like to be super upfront with our members about that!
We retain 10% of each insurance premium to pay for admin fees but many other major funds charge between 12% and 20%. In case you were wondering, admin fees cover things such as assisting you at claims time if you need to make an insurance claim. As you get older, insurance costs may gradually and automatically increase, so we recommend doing your research as part of deciding on a fund and cover that’s right for you.
Use this Insurance costs calculator to find out specific fees for you or see the GuildSuper Insurance Guide.
Page last updated 2 October 2026
