Your insurance is flexible

Your super may come with default insurance, but if it doesn’t meet your needs you can increase, reduce or cancel your cover.

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Log in to your account to check and change your cover.
document download
If you prefer to use a form, complete the Change your insurance cover form (PDF, 94KB) and return it to us.

What you can change

Death and Total and Permanent Disablement (TPD)

  • Increase or decrease your cover
  • Cancel your cover

Income Protection

  • Increase or decrease your cover
  • Change your waiting period (30, 60 or 90 days)
  • Change your benefit period (2 years, 5 years or up to age 65)
  • Cancel your cover

You may need to provide evidence of your health to our insurer when applying to increase your cover or change your benefit or waiting period.

Salary and life events cover

You can apply to increase your Death and TPD cover without providing health information if you receive a pay rise or have a major life event, such as getting married, having a child or buying a house.

You can also apply to increase your Income Protection cover if your salary increases.

For more information and to apply, download the Life events and salary increase cover form (PDF, 235KB).

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Restrictions , exclusions, terms and conditions may apply to all types of cover. Refer to Insurance in your super (PDF, 1.3MB) for the full details.

Transfer insurance to UniSuper
You may be able to transfer insurance you have with another provider to UniSuper. 
Inbuilt benefits for Defined Benefit Division accounts
In addition to any insurance cover you have, Defined Benefit Division accounts generally include inbuilt benefits at no extra cost. These benefits can cover you if you have a terminal illness or pass away.
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