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North Protect logo on terrarium plant
North Protect logo on terrarium plant

Introducing... North Protect

 

The platform to build clients’ wealth and protect them.

North Protect brings group insurance and superannuation together so you can help support your clients as they build wealth, all in one place.

Insurance designed to support you and your clients

  • A streamlined application path to cover

    Limited risk-control questions for certain types of cover.

  • Easy consolidation and transfer

    Transfer an amount of existing group cover across to North Protect with ease.

  • More choice with competitive rates

    Comprehensive options for protection at competitive premium rates.

  • Simplified administration

    Insurance and super managed in one place, helping simplify administration.

More ways to Protect more clients

North Protect offers three pathways to insurance cover - helping you support clients whether they're looking for standard cover, cover tailored to their circumstances, or wanting to consolidate existing cover on North.

Standard cover*

Simple cover, simple access

Basic level of Death only, or Death and Total and Permanent Disablement (TPD) cover.  Cover is provided on a lifestages basis, that recognises that a person may need more cover at certain stages in their life.  Available to eligible MyNorth and North Super members with limited underwriting by answering a short number of health and lifestyle questions. 

Tailored cover*

Cover built around your client

Flexible fully underwritten Death only or Death and TPD cover , with the option to include income protection. Cover amounts can be adjusted to suit individual circumstances and protection needs over time.

Available to eligible member of MyNorth and North Super whose needs may call for a more tailored approach.

Insurance transfers*

Bring existing cover together on North

A way to help simplify insurance cover across super. 

Eligible MyNorth and North Super members’ can apply to transfer the amount of their existing group cover across to North Protect with limited underwriting by answering a short number of health and lifestyle questions.

*Cover is subject to age eligibility, occupational eligibility, minimum account balance, minimum and maximum cover limits (for Tailored cover and Insurance Transfers), underwriting terms (full underwriting for Tailored cover and limited underwriting for Standard cover and Insurance Transfers), benefit limits and other terms and conditions.  For full details refer to the relevant MyNorth/North Protect Insurance Guide, the MyNorth/North Super and Pension PDS, and the MyNorth/North Super TMD, available online below, as well as any Significant event notices received by members.

Built on North’s platform strength

North Protect brings group insurance onto the North platform through considered design and partners chosen to support adviser and client outcomes. 

Cover provided by TAL1

North Protect is underwritten by TAL, an established Australian life insurer. It sits alongside North's existing insurance offering, extending the platform's insurance capability.

Administered by AGI2  

North Protect is administered by AGI with portal, phone and email support across the full insurance cover lifecycle with support available through your BDM.

FAQs

North Protect is an opt-in group insurance offer for MyNorth super members, available exclusively as an advised product. It brings group life, disability and income protection through super onto the North platform alongside investments.

Three pathways: Standard Cover – death or death and TPD (age-based, obtained via three risk-control questions, no full underwriting), Tailored Cover – death or death and TPD and/or Income Protection (fully underwritten, fixed sum insured), and Insurance Transfers -apply to move existing group cover across via three risk-control questions). 

 

Other terms and conditions apply to each pathway.

Eligible clients can apply to transfer the amount of existing group cover to North Protect by answering three risk-control questions and meeting other eligibility requirements*.   

North Protect is administered by AGI. Support is available via the AGI portal, phone and email, with further help through the North Service Centre and your BDM.

Register for the AGI portal, where you can generate quotes, submit applications and manage applications for transfers and insurance cover changes online. If you are an existing North user, you can register using your North Platform credentials.

 

The AGI Portal User Guide walks you through each step.

Claims are assessed by the insurer, with support from AGI as administrator. Death claims begin with notification to North; claims for TPD, terminal illness and income protection are managed through AGI.

 

For full detail on how claims work, refer to the North Protect Insurance Guide and MyNorth Super and Pension PDS.

Cover amount limits vary by pathway:

 

  • Standard Cover: age-based life insurance, comprising Death cover (including Terminal Illness) only, or Death cover (including Terminal Illness) and TPD cover;
  • Tailored Cover: fixed cover in $1k increments, with maximums of $5 million for TPD/Terminal Illness, $30,000 per month for income protection (including any super contribution benefit cover (if applicable), and unlimited for Death cover.
  • Insurance Transfers: cover amount matched to the existing group insurance cover, subject to minimum and maximum cover limits. Maximum cover limits are:

(a) Death/TPD - $2 million;
(b) Income protection – lesser of up to 90% of earnings and under $20,000 per month), subject to the total amount of cover under North Protect, after the transfer of cover, not exceeding the maximum cover limits for Tailored Cover.

TPD cover and IP cover ends at 65 and Death cover ends at 70.

 

Age and occupational eligibility criteria, minimum account balance, cover and benefit limits and other terms and conditions apply - refer to the relevant MyNorth/North Super and Pension PDS, the North Protect Insurance Guide referred to the in the PDS and the Target Market Determination for full detail.


* Refer to the relevant MyNorth/North Super and Pension PDS, the North Protect Insurance Guide referred to the in the PDS and the Target Market Determination for full detail.

Need help to get started?

Book a call or talk to your Business Development Manager about how North Protect can fit into your practice.   

Request a callback

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Data Collection statement

The information you provide is being collected by NMMT Limited ABN 42 058 835 573, AFSL 234653 (NMMT) in order to respond to your enquiry. If you don't provide the information requested, NMMT may not be able to respond to your query. Your personal information may be shared with business areas or companies within the AMP Group. We may also provide information to local and overseas entities which provide AMP with administrative, financial, research or other services, other insurers and credit providers, financial planners, brokers and other organisations authorised by AMP to assist in reviewing customer needs. We may also disclose personal information to courts, tribunals and dispute resolution bodies, government agencies, and other bodies we are required to provide information to under the law. A list of countries where these providers are likely to be located can be accessed via the Privacy Policy.

The Privacy Policy provides more information about how we manage and protect the personal information we hold about individuals. It sets out how you can access and correct the information that AMP holds about you, how you may complain about a breach of privacy and our process for resolving privacy related enquiries and complaints.

Smiling father and children with laptop
Smiling father and children with laptop

More reasons to go North

The Grow menu offers cost-effective access to North for clients with more straightforward needs. Paired with North Protect, it gives your practice more flexibility to support super clients with simpler insurance needs.

Explore the grow menu

What you need to know

For adviser use only. Not for distribution to retail clients.

The information on this page has been provided by NMMT Limited ABN 42 068 585 573, AFSL 234563 (NMMT) for financial adviser use only and is not intended for clients or members. It contains general advice only and does not consider your client’s personal objectives, financial situation or needs.  Your clients should consider their circumstances and read the relevant Product Disclosure Statements (PDS), including the North Protect Insurance Guide referred to in the PDS, Target Market Determination (TMD), available from northonline.com.au or by contacting the North Service Centre on 1800 667 841, before deciding what’s right for them. A person should consider the PDS and TMD before deciding whether to acquire, or continue to hold, the product.

North Protect is a group insurance offering available to eligible members of MyNorth Super and Pension and North Super and Pension.  Group life and income protection insurance cover available through North Protect is provided by TAL Life Limited (ABN 70 050 109 450, AFSL No. 237848) under a group insurance policy (Group Policy) issued to N.M. Superannuation Proprietary Limited (ABN 31 008 428 322, AFSL 234654 (NM Super) as trustee of the Wealth Personal Superannuation and Pension Fund ABN 92 381 911 598 (Fund).  Eligibility criteria, cover and benefit limits, minimum account balance, underwriting terms and insurer’s acceptance of cover, costs and other terms and conditions apply under the Group Policy.  Any examples are illustrative only and are not an estimate or guarantee of cover, premiums, eligibility or claim outcomes.

MyNorth Super and Pension and North Super and Pension are issued by NM Super as trustee of the Fund.

You can read the Financial Services Guide online for more information, including the fees and benefits that companies related to NMMT, NM Super and their representatives may receive in relation to products and services provided.  

Information on this page is current as at 30 September 2026 and is subject to change.

North and MyNorth are trademarks registered to NMMT.

Footnotes

1 Group Life and Income Protection insurance cover available through North Protect is provided by TAL Life Limited (ABN 70 050 109 450, AFSL No. 237848) under a group insurance policy issued to N.M. Superannuation Proprietary Limited (ABN 31 008 428 322, AFSL 234654 (NM Super) as trustee of the Wealth Personal Superannuation and Pension Fund ABN 92 381911 598 (Fund);

2 NM Super has appointed Australian Group Insurances Pty Limited (AGI) as its specialist insurance administration service provider to assist with the administration of North Protect, including the handling of insurance claims.  

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