Defined benefit superannuation funds offer death and disability benefits within the fund at no extra cost, but do vary in their offerings and how they are paid out. Regular superannuation accounts, like ESSSuper’s Accumulation Plan, offer optional insurances that come with a premium. 

In this episode of ESSSuper's Exploring Super podcast, we discuss the differences so you can ensure you're adequately covered.

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This podcast is of a general nature only and does not consider your personal circumstances, financial needs or objectives. Before acting on any advice contained in this podcast, please download and read the relevant Product Disclosure Statement and target market determination, found on our website: esssuper.com.au, The Board recommends that you seek financial advice before acting upon this information. Benefits in ESSSuper's Accumulation Plan, Income Streams and Beneficiary Account products are not guaranteed or underwritten by the Victorian Government or ESSSuper.

The insurance for Death, TPD, and Income Protection in the Accumulation Plan is provided by AIA Australia Limited ABN 79 004 837 861 AFSL 230043 through group insurance policies that the Board holds with the Insurer. The information in this podcast is only a summary and is subject to policy terms which may change. A copy of the Insurance guide is on ESSSuper's website and a copy of the Insurer’s Policy is available upon request.