Change your cover

You can apply to increase your cover without providing health evidence after certain life events. You can apply to increase your:

• Income Protection after getting a pay rise.
• Death and TPD cover after major life events like getting married, having a child, or buying a house.

For more information and to apply, download the Life events and salary increase cover form (PDF, 638KB).

• If you apply for and receive additional cover, you won’t be eligible to receive default cover in the future (Accumulation 1 members only).
• Additional cover generally commences on the date our insurer accepts your application for cover.
• If your application is accepted, it could be subject to conditions, restrictions, exclusions and/or loadings on your insurance premiums. These conditions will apply from the date your cover commences.

We may cancel your cover if:

• your account has insufficient funds to pay your insurance premiums
• your account hasn’t received a contribution or rollover for 16 consecutive months
• you transferred from the DBD to either Accumulation 1 or Accumulation 2 and you’re under 25 or have an account balance of less than $6,000.

If you want to reinstate cancelled cover, learn how to keep your superannuation insurance.

To opt out of default insurance cover being automatically applied to your Accumulation 1 account in the future, complete the Changing your insurance cover form (PDF, 581 KB).

• Opting out of future cover applies provided your member number doesn’t change.
• If you apply for cover in the future, you’ll need to provide health evidence that satisfies our Insurer.