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.

Log in to your account to check and change your cover.

What you can change

Death and Total and Permanent Disablement (TPD)

  • Increase or decrease your cover
  • Cancel your cover
  • Convert your unitised cover to fixed cover (unlike with unitised cover, with fixed cover, your sum insured is fixed and your premiums change as you get older).
     Death and TPD cover is provided as unitised cover by default, but you can choose to convert this to fixed cover at any time if you’re under age 61. Fixed cover is offered in multiples of $1,000. If you choose to convert to fixed cover, your benefit will be rounded up to the nearest $1,000. You also won’t be able to switch back to unitised cover. Other important conditions apply. For more information and to apply, download the Fix your Insurance cover form (PDF, 75KB).

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).


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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