Insurance Calculator
Finding the right insurance cover is simpler than you think. Whether you're looking for death cover, total and permanent disablement (TPD) cover, or income protection, our insurance calculator helps estimate how much protection you may need to support yourself and your loved ones.
How much insurance cover do you need?
Life is unpredictable, and having the right life insurance ensures your family’s financial security if the unexpected happens. The right level of cover depends on your lifestyle, financial obligations, and future plans.
- Death cover – Provides a lump sum to your loved ones if you die, helping to cover debts, daily expenses, and future financial needs.
- Total and Permanent Disablement (TPD) cover – Pays a benefit if you suffer a permanent disability that stops you from working.
- Income protection – Replaces a portion of your income if an illness or injury stops you from working, helping with ongoing expenses.
Our insurance calculator takes your circumstances into account to provide an estimate of how much cover you may need.
How the insurance calculator works
By entering basic details, the insurance calculator estimates the level of cover that may suit your needs. However, keep in mind:
- The estimate is for illustrative purposes only and does not consider all financial factors.
- It does not determine eligibility for cover.
If you have any questions or would like further information, please call us on 1800 692 877. As a BUSSQ member, you have access to personal financial advice on insurance at no extra cost^.
Learn about your insurance options with BUSSQ
When was the last time you checked your insurance?
Our insurance products are designed to cover members in high risk jobs and we also provide cover for white collar workers.
Insurance protection
As life changes, your insurance may need to as well. You can apply to adjust your cover as your needs evolve—whether you're starting a family, buying a home, or planning what's next.
Insurance through your super
Having insurance in your super can be convenient and cost effective. BUSSQ offers flexible insurance options designed for people working in the building, construction, and civil industries.
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Get ready for the end of financial year
If you want to make a contribution or claim a tax deduction for the last financial year, you’ll need to submit it by Thursday 25 June 2026 to ensure it’s received and processed before 30 June 2026. Contributions made after this date may not be allocated to your account before the end of the financial year.
