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Fund and insurer directory

Your super fund is not your insurer

Checked August 202622 funds, 3 Commonwealth schemes, 6 insurers

Your super fund is not your insurer. The fund's trustee buys a group policy from a life insurer, and it is that insurer who assesses a claim. So a claim through super involves two organisations: the fund, which holds your account and usually takes the paperwork first, and the insurer, which makes the decision under the policy.

Why that matters when you claim

Most people know their fund's name and have never heard the insurer's. That is normal. It matters at claim time because you can be passed between the two, because each one holds different records, and because a delay at one is not always visible from the other. Knowing which organisation you are speaking to, and which one is holding the file right now, is the single most useful thing to keep straight.

The part almost nobody is told

The insurer named on the policy at the date of the event is usually the insurer who assesses the claim, not whoever the fund uses today. Funds change insurers, and they do it at short notice. UniSuper moved from TAL to MetLife on 1 June 2024 and states that the previous insurer generally still manages claims for events before that date. First Super moved from MetLife to TAL on 1 April 2026, which is recent enough that most claims in progress there are still MetLife matters. TelstraSuper moved from TAL to MLC Limited, the insurer now called Acenda, on 1 July 2020. So the date your condition started, or the date you stopped work, can decide who you are dealing with.

This directory records who insures what. It does not say what any policy covers, whether cover applies to a situation, or whether a claim would be paid. Those are decided by the policy terms and by a person's own circumstances, never by a list.

Every fund we have verified, and who underwrites it

Each fund below links to a page with its insurer, the cover types its own guide describes, how to make contact, and what to ask. All of it checked 14 August 2026 against each fund's own material, and the insurer named on each fund checked again on 16 August 2026. Most fund pages now also carry the insurer who held the cover before, where we could read the changeover date in a document.

  • AMP SuperUnderwritten by TAL for default and personal cover, with four other insurers still on legacy SignatureSuper employer plans. TAL Life Limited, ABN 70 050 109 450, AFSL 237848, for AMP Super's default, MySuper and personal cover. Legacy SignatureSuper employer plans sit with MetLife, AIA Australia, Acenda or Zurich instead.
  • Australian Retirement TrustUnderwritten by Zurich for Super Savings accounts, and by ART Life for legacy QSuper accounts. Zurich Australia Limited, ABN 92 000 010 195, AFSL 232510, for Super Savings accounts. ART Life Insurance Limited, ABN 79 607 345 853, AFSL 483057, for legacy QSuper Accumulation accounts.If you were a member of Qantas Super or QSuper, this is the fund that holds your account now.
  • AustralianSuperUnderwritten by TAL. TAL Life Limited, ABN 70 050 109 450, AFSL 237848.
  • Aware SuperUnderwritten by TAL. TAL Life Limited, ABN 70 050 109 450, AFSL 237848.If you were a member of TelstraSuper, VicSuper or First State Super, this is the fund that holds your account now.
  • BUSSQUnderwritten by Zurich. Zurich Australia Limited, ABN 92 000 010 195.
  • CareSuperUnderwritten by MetLife. MetLife Insurance Limited, ABN 75 004 274 882, AFSL 238096.If you were a member of Spirit Super, this is the fund that holds your account now.
  • CbusUnderwritten by TAL. TAL Life Limited, ABN 70 050 109 450, AFSL 237848.If you were a member of EISS Super, this is the fund that holds your account now.
  • Colonial First StateUnderwritten by AIA Australia. AIA Australia Limited, ABN 79 004 837 861, AFSL 230043.
  • Equip SuperUnderwritten by MetLife. MetLife Insurance Limited, ABN 75 004 274 882, AFSL 238096.
  • First SuperUnderwritten by TAL. TAL Life Limited, ABN 70 050 109 450, AFSL 237848.
  • GuildSuperUnderwritten by MetLife. MetLife Insurance Limited, ABN 75 004 274 882.
  • HESTAUnderwritten by AIA Australia. AIA Australia Limited, ABN 79 004 837 861.
  • HostplusUnderwritten by MetLife. MetLife Insurance Limited, ABN 75 004 274 882, AFSL 238096.If you were a member of Intrust Super, this is the fund that holds your account now.
  • legalsuperUnderwritten by Zurich. Zurich Australia Limited, ABN 92 000 010 195, AFSL 232510.
  • Media SuperUnderwritten by TAL. TAL Life Limited, ABN 70 050 109 450, AFSL 237848.
  • MLC SuperUnderwritten by Acenda. Nippon Life Insurance Australia and New Zealand Limited, trading as Acenda, ABN 90 000 000 402, AFSL 230694.
  • Netwealth Superannuation Master FundUnderwritten by AIA Australia. AIA Australia Limited, ABN 79 004 837 861, AFSL 230043, for group cover.
  • Prime SuperUnderwritten by TAL. TAL Life Limited, ABN 70 050 109 450, AFSL 237848.
  • RestUnderwritten by TAL. TAL Life Limited, ABN 70 050 109 450, AFSL 237848.
  • Team SuperUnderwritten by TAL. TAL Life Limited, ABN 70 050 109 450, AFSL 237848.If you were a member of Mine Super or TWUSUPER, this is the fund that holds your account now.
  • UniSuperUnderwritten by MetLife. MetLife Insurance Limited, ABN 75 004 274 882, AFSL 238096.
  • Vision SuperUnderwritten by Acenda. Nippon Life Insurance Australia and New Zealand Limited, trading as Acenda, ABN 90 000 000 402, AFSL 230694.If you were a member of Active Super, this is the fund that holds your account now.

If you work, or worked, for the Australian Government

Commonwealth public sector super sits with one trustee, Commonwealth Superannuation Corporation (CSC), ABN 48 882 817 243, AFSL 238069. Three of its schemes come up most often, and the answer to "who decides my claim" is not the same in all three. They are listed here rather than given pages of their own, because two of the three have no life insurer standing behind the benefit at all.

  • Public Sector Superannuation accumulation plan (PSSap)ABN 65 127 917 725. Open to new members.AIA Australia Limited, ABN 79 004 837 861, AFSL 230043, underwrites the insurance attached to a PSSap account.The cover is called lifePLUS and comes in two forms, lifePLUS auto and lifePLUS choice. Both include death cover, total and permanent disability cover, and income protection cover.Phone: 1300 725 171. This is the scheme's own line. No separate claims line is published, so it is the number to start from.Insurance and your PSSap super, issued 1 May 2026, which forms part of the PSSap Product Disclosure Statement
  • Commonwealth Superannuation Scheme (CSS)ABN 19 415 776 361. Closed to new members since 1990.No life insurer decides the invalidity benefit. An invalidity retirement pension is payable where CSC agrees to your retirement on invalidity grounds, so the decision sits with the trustee.The test CSC applies is whether you are unlikely to work again in any occupation you are reasonably qualified for by education, training or experience, or could become qualified for after retraining. Your employer cannot formally retire you on those grounds until CSC issues a certificate saying the benefit would be payable. While that decision is being made, CSS publishes a pre-assessment payment for members who have been off work 28 days or more and are not receiving workers compensation.Phone: 1300 000 277. This is the scheme's own line.Invalidity benefits, CSS factsheet CSF04
  • Public Sector Superannuation Scheme (PSS)ABN 74 172 177 893. Closed to new members since 2005.The invalidity retirement benefit is a scheme benefit, approved by CSC, not by a life insurer. Additional Death and Invalidity Cover (ADIC), which contributing members under 60 can apply for on top of it, is a separate insurance policy and that one is underwritten by AIA Australia Limited, ABN 79 004 837 861, AFSL 230043.PSS runs the same certificate step as CSS: your employer cannot retire you on invalidity grounds until CSC issues the certificate. PSS publishes a pre-assessment payment on the same 28 day rule, and a partial invalidity benefit for a permanent drop in salary caused by a medical condition. Where a member holds the additional cover, the claim runs extra steps, because two decisions are being made rather than one.Phone: 1300 000 377. This is the scheme's own line.Death and Invalidity benefits, issued 7 May 2026, which forms part of the PSS Product Disclosure Statement, fifteenth edition
The difference that catches people

In an ordinary super fund the trustee buys a policy and an insurer decides the claim. In the two closed Commonwealth schemes the benefit is written into the scheme itself, and the trustee decides it. That is why those letters read like scheme letters rather than insurance letters, and why your employer is part of the process. It also means a workers compensation decision and an invalidity decision are made by different people, under different rules, on different timetables.

What to ask, whichever of the three you are in:

  • Which of these schemes am I in, and am I a contributing or a preserved member?
  • Is my benefit decided by the trustee, or by an insurer under a policy?
  • Do I also hold a PSSap account alongside this scheme, and does it carry cover?
  • What is a pre-assessment payment, do I qualify, and what starts it?
  • What does the certificate to my employer do, and where is my application up to?

Checked 28 August 2026 against the trustee's own documents, linked above. Nothing here says whether any benefit is payable to anyone. That is decided by the trustee, or by an insurer under a policy, and never by a list.

If you know the insurer but not the funds

Sometimes it works the other way round. A letter arrives with an insurer's name on it and no fund name you recognise. This is the same directory read from the insurer's side. A few funds appear more than once, because they run more than one insurer at the same time across different accounts or employer plans. Where that happens, the kind of account is named in brackets.

Acenda is the trading name of Nippon Life Insurance Australia and New Zealand Limited. The same insurer was called MLC Limited, and its insurance business was branded MLC Life Insurance, until the legal name changed on 26 September 2025. The ABN and AFSL did not change with it, and the fund's own guides carry ABN 90 000 000 402 on both sides of that date. Older insurance guides, policy documents and letters still say MLC. Both names are the same insurer, so a document naming one and a letter naming the other are not a contradiction.

If your fund no longer exists on its own

Funds merge. When they do, the members move, and the insurer on the cover can change at the transfer. If you still call yourself a member of one of these, the fund on the right is the one that holds your account now, and the transfer date is the date worth raising on the call.

Funds we have not verified yet

Where we could not confirm the insurer from the fund's own material, we say so rather than name one. The fund's own pages are still linked, because the fund can tell you directly.

We have not verified this yet

NGS Super

NGS Super's own material names TAL. The full legal entity name and ABN were not confirmed on an NGS primary page at the checked date, so we do not print an insurer entity for this fund and we have not built a page for it. We would rather say nothing than name an entity we have not read on the fund's own page.

The fund's own claims line is 1300 133 177. NGS Super runs a phone based claim on this number, where the insurer collects most of the information by voice. Start from the fund itself: NGS Super insurance claim page, and NGS Super insurance guide, 1 July 2026.

The one phone call that settles it

Whatever your fund, the same call works. It is free, and what you are asking for is a fact about your own account that the fund holds.

Words to use on the phone

"I'd like to know what insurance is attached to my account, whether it is still active, and can you send me the policy documents."

"And can you tell me which insurer holds the policy, and which insurer held it when my condition started?"

The first sentence is the one that gets you everything, and it works on any fund. The second is the one most people never think to ask, and it is the one that tells you which organisation you are actually dealing with. If you have had more than one job, you may have more than one fund, and each one is worth the same call.

What to ask, whichever fund you are with

  • Which insurer holds the policy for my account, and what is its full legal name?
  • Which insurer held the policy on the date my condition started, or the date I stopped work?
  • Which insurance guide applies to my account, and can you send me the version that was current then?
  • Is the cover on my account still active, and when did each type of cover start?
  • Do I lodge with the fund or with the insurer, and what is the first step?
  • Is the claims number different from the general member line?
  • Can you send me the policy document itself, not just the summary?

None of these questions asks anyone to judge your claim. Every one of them asks for a fact that is already written down somewhere.

Where this came from

Every insurer, cover type, phone number and guide link on these pages was taken from the fund's own website, product disclosure statement or insurance guide, and checked on 14 August 2026, with the insurer on each fund checked again on 16 August 2026. Each fund page carries its own sources. Where a fund page names an insurer who held the cover before, the date comes with it. Where we could not read a changeover date in a document someone else can open, we print no date and say so on the page rather than repeat something we have only seen quoted. Underwriting arrangements change at short notice, so if a page here does not match what your fund tells you, your fund is right and we want to know: tell us and we will check it.

Where to go next

If something here has changed since it was checked, tell us and we will fix it: contact.

Which of these sounds like where you are?

I don't know where to start

The whole interview from the first question, with nothing assumed and nothing pre-filled. Not knowing where to start is a situation this tool is built for, not a failure to have picked a better door.

I'm looking into this for someone else

For a partner, a family member or a friend. Question one asks who this is for, and the answer changes the page: what a fund or a scheme will tell you today without any paperwork, and what waits for a signed authority. Most of it can be done without them.

I'm on workers comp, the TAC (Transport Accident Commission), Comcare or the DSP (Disability Support Pension)

For a reader who already knows who pays. Picking the scheme here fills question 3, and the interview goes straight to what has arrived and what has changed.

My payments have stopped or changed

Starts from the money. The payments-stopped event is ticked at question 2, and the next question is who pays, because who pays decides whose published rules the change runs under.

I've had a letter and don't understand it

I heard the rules changed and I don't know if it's about me

Rules change, and most changes only reach claims first made on or after a set date. The interview asks roughly when the claim was made, and the page names the rules it drew and the date each one was checked. Not knowing that date is a normal answer, and the page names who can tell you.

I've been off work a long time

Most of what this tool can show runs on time from when work stopped. The stopped-work event is ticked at question 2 already, and the interview asks who pays, then the month and year work stopped.

I want to know what insurance I might have

The super branch. Insurance is commonly attached to super accounts, including accounts since closed, merged or rolled over, and what is attached to an account is a question a fund can answer without any claim existing. This door asks who pays now, the date work stopped, and the funds held around then.

My situation isn't one of these

Including Western Australia, Tasmania, the Northern Territory and the ACT

Situations this tool does not describe yet.

This tool draws the published timetables it has checked: workers compensation in Victoria, New South Wales, Queensland and South Australia, the TAC, Comcare and the DSP. If the situation is not in that list, this page will not guess at it.

For Western Australia, Tasmania, the Northern Territory and the ACT: we have not checked those rulebooks yet, so no scheme timetable is drawn for them. The parts that are national still apply: super, insurance inside super, and Centrelink. The interview can still run for those parts, and the page it builds says plainly which parts have not been checked.

Whatever the situation, three routes are open and free: the claims line printed on any letter about the claim, the member line of any super fund held when work stopped, and Legal Aid in every state and territory.

Run the national parts anyway

If you want to talk it through

Enquiries open soon. When they do, the contact page is where to reach us: we'll explain which doors exist for your situation and, if you want, introduce you to a firm on our panel. You never pay us. Panel firms do.

We try twice, then we stop. There is no third call and no marketing list.

How to reach us

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