Australian Retirement Trust: who insures your cover, and how to reach them
Australian Retirement Trust does not have one insurer. Cover on a Super Savings account is underwritten by Zurich. Cover on a legacy QSuper Accumulation account is underwritten by ART Life Insurance Limited, which is the trustee's own insurance company. So the first thing to establish is which kind of account you hold.
Who underwrites the cover
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.
Australian Retirement Trust is the fund. The insurer is a separate set of records, and which insurer that is depends on the account. Super Savings accounts sit with Zurich. Legacy QSuper Accumulation accounts sit with ART Life Insurance Limited, which is owned by the trustee, so on those accounts the two roles sit inside one group.
Zurich has underwritten Super Savings cover since 1 July 2026. The Super Savings Insurance Guide issued on that date names Zurich Australia Limited as the insurer.
Legacy QSuper Accumulation accounts are insured separately, by ART Life Insurance Limited. The QSuper Insurance Guide issued 1 July 2026 names it. That insurer is owned by the trustee, which is unusual and worth knowing if a letter arrives with a name you do not recognise.
Employer plans are a third case. The fund's own significant event notices for corporate and business plans record moves to several different insurers on different dates, so an employer plan member cannot read their insurer off the Super Savings default.
Australian Retirement Trust absorbed Qantas Super on 29 March 2025, and a dedicated Qantas Group Plan sits inside the fund. If you think of yourself as a Qantas Super member, this is the fund that holds your account now.
The fund gives its total and permanent disability (TPD) product the name "TPD Assist". If a letter or a guide uses that phrase, it is talking about TPD cover.
AIA Australia underwrote Super Savings cover until 30 June 2026, and Zurich took over on 1 July 2026. So an event that happened on or before 30 June 2026 may still sit with AIA Australia rather than with Zurich, and a great many live claims will be in that group. Legacy QSuper Accumulation accounts ran on a different track: they have sat with the trustee's own insurer since 1 July 2016, under the name QInsure Limited at the time and the same ABN, 79 607 345 853. The merger that formed Australian Retirement Trust on 28 February 2022 did not bring the two tracks together.
Which insurer applies to you depends on when the event happened, not on who the fund uses today. If your condition started or you stopped work some time ago, ask who held the policy then. 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.
What cover types the guide describes
The current Australian Retirement Trust insurance guide describes these types of cover:
- Death cover, including terminal illness
- Total and permanent disability cover, which the fund calls "TPD Assist"
- Income protection
That is a list of what the document describes, not a list of what is on any particular account. Which of these you hold, and whether it is still active, are facts about your own account, and the fund can read both to you over the phone. What any of it would do in your situation is a question for the policy and for licensed professionals, not for a directory.
How to make contact
Claims line: 13 11 84
This is the fund's own line, and it is the number to use for either kind of account. No separate claims line for either insurer was confirmed at the checked date, so we do not print one. Start with the fund. A fund always accepts notice of a claim, and the insurer sits behind the fund from there.
The fund's current insurance guide: Super Savings Insurance Guide, issue date 1 July 2026. This is the fund's own document, not ours. It is the one to read, and the one to ask about by name if the version you are sent looks different.
The fund's own claims page: Australian Retirement Trust insurance and claims.
Details to have ready for the fund
For a request about your account, have these details ready. The fund will tell you which details and identity checks it needs.
- Your membership or client number, if known. If it is missing, ask the fund to help locate your account.
- Your full legal name.
- Your date of birth.
- Your current address.
- An earlier address used when the account opened, if known and the fund's details may be outdated.
Call using the fund's official contact details above, or use its secure app or member portal where it offers enquiries. Ask which verified secure channel accepts historical insurance and document requests; not every app accepts the complete request. Keep these identity details for the fund; do not enter them on this page.
If someone is helping, ask which authority process the fund accepts. Having these details does not give another person access to the account or its records.
The phone call
This is the call that tells you what you hold and who holds it. It is free, and you are asking for facts about your own account.
"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 before 1 July 2026?"
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 Australian Retirement Trust
- 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?
- Is my account a Super Savings account, a legacy QSuper Accumulation account, or an employer plan account?
- My condition started before 1 July 2026. Which insurer holds that, and who do I contact first?
- How is a benefit paid under "TPD Assist", and over what period?
- Is my account in the Qantas Group Plan or in the general Super Savings product?
None of these asks anyone to judge a claim. Each one asks for something already written down.
Sources
Insurer, cover types, contact details and guide link taken from the fund's own material and checked on 16 August 2026.
https://www.australianretirementtrust.com.au/insurance
The dates in the note about earlier insurers come from these:
https://qsuper.qld.gov.au/-/media/pdfs/qsuper-public/publications/pds12.pdf
Underwriting arrangements change at short notice. If your fund tells you something different from this page, your fund is right, and we want to know: tell us and we will check it.
Where to go next
- Every fund and its insurer, including what to do if your fund has merged into another.
- "Do I have insurance somewhere?" if you are not sure you hold anything at all.
- How to find out what cover you hold, step by step.
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.
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.