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Email: info@mylifemyinsurance.com.au
Post: GPO Box 4303, Melbourne VIC 3001

Benefit tables

The cost of your insurance cover will be deducted directly from your super account on a monthly basis in arrears from the date your insurance cover commences. The cost of your cover will alter each year at annual review.

You can work out your cost using the benefit tables below or by using our simple online cost tools here.

If you work in the transport industry, please click here to view the benefit tables for your insurance cover

Death only cover and Death and Total & Permanent Disablement (TPD) cover
Annual cost per $1,000 sum insured
Age Next Birthday Death only $ Death and TPD $
16 0.16 0.21
17 0.20 0.26
18 0.26 0.35
19 0.30 0.40
20 0.33 0.41
21 0.30 0.41
22 0.28 0.39
23 0.26 0.35
24 0.25 0.30
25 0.22 0.29
26 0.23 0.29
27 0.23 0.29
28 0.23 0.29
29 0.26 0.32
30 0.26 0.35
31 0.28 0.37
32 0.28 0.38
33 0.29 0.40
34 0.30 0.42
35 0.35 0.47
36 0.36 0.50
37 0.39 0.56
38 0.42 0.63
39 0.45 0.67
40 0.49 0.76
41 0.55 0.85
42 0.59 0.96
43 0.65 1.06
44 0.72 1.22
45 0.80 1.37
46 0.88 1.55
47 1.00 1.76
48 1.11 2.02
49 1.27 2.31
50 1.42 2.65
51 1.61 3.05
52 1.81 3.48
53 2.04 3.99
54 2.30 4.54
55 2.59 5.21
56 2.88 5.92
57 3.22 6.78
58 3.55 7.70
59 3.95 8.76
60 4.38 9.96
61 4.82 11.29
62 5.34 12.86
63 5.94 14.70
64 6.66 16.93
65 7.44 19.48
66 9.57 25.04
67 9.57 27.96
68 9.57 31.43
69 9.57 35.28
70 9.57 39.53

 

Income Protection Cover
Annual cost per $1,000 annual benefit (inclusive of stamp duty)
Age Next Birthday Table 1: 30 day waiting period Table 2: 60 day waiting period
5 year benefit ($) To age 65 ($) To age 70 ($) 5 year benefit ($) To age 65 ($) To age 70 ($)
16 2.94 4.81 5.16 1.87 2.76 2.96
17 2.94 4.81 5.16 1.87 2.76 2.96
18 2.94 4.81 5.16 1.87 2.76 2.96
19 2.94 4.81 5.16 1.87 2.76 2.96
20 2.94 4.81 5.16 1.87 2.76 2.96
21 2.94 4.81 5.16 1.87 2.76 2.96
22 3.04 4.91 5.26 1.87 2.76 2.96
23 3.04 4.99 5.36 1.87 2.86 3.06
24 3.12 5.09 5.46 1.87 2.86 3.07
25 3.12 5.17 5.57 1.87 2.94 3.17
26 3.12 5.35 5.77 1.87 2.94 3.17
27 2.94 5.09 5.50 1.79 2.86 3.08
28 2.86 4.91 5.30 1.69 2.76 2.99
29 2.86 4.99 5.41 1.69 2.86 3.10
30 2.76 4.91 5.33 1.61 2.76 3.00
31 2.86 5.17 5.63 1.69 2.86 3.11
32 2.94 5.44 5.94 1.69 2.94 3.22
33 3.30 6.06 6.64 1.87 3.22 3.52
34 3.38 6.34 6.95 1.87 3.30 3.62
35 3.66 7.04 7.75 2.05 3.66 4.02
36 4.01 7.76 8.57 2.23 4.01 4.43
37 4.46 8.92 9.89 2.50 4.55 5.04
38 4.81 9.54 10.62 2.59 4.91 5.46
39 5.27 10.70 11.95 2.86 5.44 6.07
40 5.71 11.77 13.21 3.12 5.98 6.71
41 6.16 12.76 14.38 3.38 6.60 7.44
41 6.16 12.76 14.38 3.38 6.60 7.44
42 6.78 14.18 16.07 3.74 7.40 8.39
43 7.58 15.88 18.10 4.28 8.47 9.66
44 8.03 17.04 19.54 4.64 9.19 10.54
45 9.01 19.00 21.94 5.27 10.44 12.05
46 9.64 20.34 24.17 5.80 11.41 13.27
47 10.62 22.39 27.22 6.52 12.76 14.95
48 11.51 24.17 30.34 7.22 14.09 16.67
49 12.58 26.22 33.92 8.03 15.61 18.64
50 13.82 28.37 38.02 9.01 17.30 20.88
51 15.17 30.60 41.34 10.08 19.00 23.21
52 16.60 32.82 45.76 11.33 21.05 26.06
53 18.37 35.50 50.98 12.76 23.64 29.72
54 20.16 37.73 55.98 14.18 26.04 33.32
55 22.21 40.32 62.22 15.97 28.81 37.96
56 24.53 43.00 69.38 17.84 31.67 43.09
57 27.30 45.76 75.36 20.06 34.43 48.34
58 30.42 48.25 80.17 22.57 36.92 53.38
59 33.98 50.58 8380 25.33 38.89 57.84
60 37.99 52.27 86.63 28.45 39.96 61.91
61 40.40 40.40 90.42 30.24 30.24 66.60
62 40.14 40.14 95.56 29.98 29.98 70.38
63 32.29 32.29 97.30 23.99 23.99 71.66
64 18.55 18.55 98.77 12.84 12.84 72.74
65 6.68 6.68 97.84 3.66 3.66 72.06
66 N/A N/A 90.80 N/A N/A 67.99
67 N/A N/A 86.16 N/A N/A 64.52
68 N/A N/A 72.00 N/A N/A 53.92
69 N/A N/A 50.54 N/A N/A 37.85
70 N/A N/A 30.28 N/A N/A 22.67