Life events cover and salary increase cover

Life Events cover and Salary Increase cover provide straightforward processes for you to increase your insurance cover during a range of life’s major events.

Life Events cover

Provided you meet certain criteria and  already have Death and/or Total and Permanent Disablement (TPD) cover through UniSuper, you may be eligible to increase your level of Death and/or TPD cover by applying for Life Events cover—all without having to provide medical evidence.

Members under age 55 can apply to increase their Death and/or TPD cover due to a life event in the following circumstances:

Life event Evidence required with your application within 90 days of the event
Purchasing a home for your permanent residence and taking out a mortgage
  • Certified mortgage documents*
Getting married
  • Certified marriage certificate
Giving birth or adopting a child
  • Certified birth certificate or adoption papers
Commencing a de facto relationship
  • Statutory declaration form
Divorcing or terminating a de facto relationship

One of the following:

  • For legal marriages: Divorce orders
  • For de facto: Statutory declaration form
Death of a spouse, including de facto
  • Death certificate
Dependent child starting tertiary education
  • Enrolment details or acceptance letter from school
* 90 days from the date of settlement.

Help for the times that matter most

Life Events/Salary Increase cover fact sheet and form 

Read all you need to know about Life Events cover and Salary Increase cover, including:

  • how it works
  • if you’re eligible
  • how to apply

Salary Increase cover

If your salary has increased and you have Income Protection cover through your UniSuper membership, you may be wondering whether to apply to increase your Income Protection cover. With Salary Increase cover, you may be eligible increase your Income Protection cover by one unit—subject to the maximum cover limit—with limited underwriting.

For more information about Salary Increase cover, including eligibility requirements, see the  Insurance in your super booklet.

Learn more

This page just gives you a snapshot of the Life Events cover and Salary Increase cover available through your accumulation account or accumulation component. Before you make any decisions take a look at the detailed information in the Insurance in your super booklet.

Get advice

UniSuper Advice helps UniSuper members with more than just super. Each year the UniSuper Advice team helps thousands of members navigate the financial side of important life events.

Talk to UniSuper Advice on 1300 331 685 and see how they can help you.